Marriott Bonvoy® Business American Express® Card

CIBC bizline® Visa* Card

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Marriott Bonvoy® Business American Express® Card vs CIBC bizline® Visa* Card

Both business cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

Marriott Bonvoy® Business American Express® Card

4.5

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Our review Rewards calculator

CIBC bizline® Visa* Card

2.7

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Our review

Worked out on a typical small business spending $4,000 a month. Enter yours to see your own numbers.

$1,204

First-year value

Doesn't earn rewards

$602

Every year after

Doesn't earn rewards

Only Marriott Bonvoy® Business American Express® Card earns rewards we can work out.

Compare the fees, rates and perks below.

How the first year adds up

Rewards and the welcome bonus in, the annual fee, FX fees and employee cards out, at your spending.

$931.9

in Marriott Bonvoy points a year

Annual rewards

—

+ $602

first year only

Welcome bonus

—

− $150

Annual fee

—

− $180

2.5% on $600/mo

FX fees

—

$1,203.9

First-year value

—

Where each card earns

A year of your spending on each card, category by category, biggest spend first.

$216.72

at 2x

All Other Business Expenses

$12,600 a year

—

$105.78

at 2x

US Dollar Purchases

$6,150 a year

—

$82.56

at 2x

Recurring Bills & Subscriptions

$4,800 a year

—

$92.88

at 3x

Gas & EV Charging

$3,600 a year

—

$92.88

at 3x

Dining & Restaurants

$3,600 a year

—

$51.6

at 2x

Office Supplies

$3,000 a year

—

$41.28

at 2x

Phone, Internet & Cable

$2,400 a year

—

$46.44

at 3x

Hotels

$1,800 a year

—

$30.96

at 2x

Shipping & Courier

$1,800 a year

—

$30.96

at 2x

Accounting & Bookkeeping

$1,800 a year

—

$21.16

at 2x

Other Foreign Currencies (EUR, GBP, etc.)

$1,230 a year

—

$20.64

at 2x

Electronics & Software

$1,200 a year

—

$30.96

at 3x

Air Canada

$1,200 a year

—

$20.64

at 2x

Transportation

$1,200 a year

—

$15.48

at 3x

Other Airlines

$600 a year

—

$15.48

at 3x

Car Rental

$600 a year

—

$15.48

at 3x

Other Travel

$600 a year

—

$931.9

Rewards in a year

—

Welcome bonus

Each offer as the issuer words it, then which milestones your spending reaches.

Marriott Bonvoy® Business American Express® Card

Earn up to 80,000 bonus Marriott Bonvoy® points
New Marriott Bonvoy® Business American Express®* Cardmembers can earn 70,000 points after you spend $5,000 on your Card in your first 3 months of Cardmembership
Plus, earn 10,000 points when you spend $1,000 on your Card in your 13th month of Cardmembership

CIBC bizline® Visa* Card

No welcome bonus right now.

Marriott Bonvoy® Business American Express® Card

Worth $602 at your spending

70,000 points after you spend $5,000 on your Card in your first 3 months of Cardmembership

70,000 pts

CIBC bizline® Visa* Card

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

$150

Annual fee

$50

Employee cards

$0 (up to 9)

2.5%

Foreign transaction fee

2.5%

Marriott Bonvoy

Rewards

No rewards

American Express

Network

Visa

Marriott Bonvoy® Business American Express® Card

Interest rates

Purchase:

21.99%¹

Cash Advance:

21.99%¹

¹ If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.

Recommended credit score

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Income required

Min Personal Income:

N/A

Min Household Income:

N/A

CIBC bizline® Visa* Card

Interest rates

Purchase:

CIBC Prime plus 1.5%

Cash Advance:

CIBC Prime plus 1.5%

Balance Transfer:

CIBC Prime plus 1.5%

Recommended credit score

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Income required

Min Personal Income:

$15,000

Min Household Income:

N/A

How each card earns

The earn rates and caps, as each issuer sets them.

Marriott Bonvoy® Business American Express® Card

5x points per $1 on eligible purchases at participating Marriott Bonvoy hotels
3x points per $1 on eligible gas, dining and travel purchases
2x points per $1 on all other purchases (everyday business expenses and more)

CIBC bizline® Visa* Card

No rewards earned on purchases

Insurance and perks

What both cards include comes first in each list.

Marriott Bonvoy® Business American Express® Card

Insurance

Common Carrier Travel Accident Insurance

$500,000

Lost or Stolen Baggage

$500

Baggage Delay

$500

Car Rental Damage & Theft

Yes

Mobile Device Insurance

$1,000

Extended Warranty

1 year

Purchase Protection

90 days

Hotel Burglary Insurance

$500

Flight Delay

$500

Perks

Status lift

Earn Marriott Bonvoy Gold Elite status by spending $30,000 or staying 10 nights combined with 15 Elite Night Credits. Status retention depends on Marriott Bonvoy terms.

Free Extra Night at Hotels

Each year, 8-10 weeks after your anniversary, receive a Free Night Award for a Marriott Bonvoy room up to 35,000 points, valid for 1 year. Resort fees excluded.

CIBC bizline® Visa* Card

Insurance

Common Carrier Travel Accident Insurance

$100,000

Perks

Car Rental Discount

Get up to 30% off base rates with Avis® Pay Now or up to 35% off base rates with Budget

Our take

Marriott Bonvoy® Business American Express® Card

Built for businesses that book Marriott hotels regularly. You earn 5x Bonvoy points per dollar at Marriott properties, 3x on dining and gas, and 2x on everything else — the earn structure is strong across the board. The annual free night certificate (worth up to 35,000 points) can easily cover the $150 fee on its own, and Silver Elite status means room upgrades and late checkout. The main limitations: it’s an Amex, so acceptance can be spotty in Canada, and the points are most valuable within the Marriott ecosystem. If you don’t stay at Marriott properties, this card loses its edge.

Generous welcome bonus
High hotel optimization
Annual free night certificate
Automatic Silver Elite status

Lower acceptance
Annual fee

CIBC bizline® Visa* Card

Not a rewards card — this is a low-cost credit line for businesses that need to carry a balance or manage cash flow. With a variable rate as low as Prime + 1.5% and no annual fee, it’s one of the cheapest ways to borrow on a business credit card. There are no points, no perks, and no welcome offer. But if your priority is affordable financing rather than earning rewards, this card undercuts most of the market on interest costs. Good for newer businesses building credit or seasonal businesses that need flexible short-term financing.

No annual fee
Low interest rates
Accessible income requirement

No rewards
No welcome offer
Interest rates fluctuate
Lacks standard insurance categories

More business card comparisons

Each card against every other business card we review.

Marriott Bonvoy® Business American Express® Card

CIBC bizline® Visa* Card

Legal

Marriott Bonvoy® Business American Express® Card

*Terms and conditions apply.

If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

CIBC bizline® Visa* Card