Marriott Bonvoy® Business American Express® Card vs National Bank Business Mastercard
Both business cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.
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.
Annual rewards
Welcome bonus
Annual fee
FX fees
First-year value
Where each card earns
A year of your spending on each card, category by category, biggest spend first.
All Other Business Expenses
$12,600 a year
US Dollar Purchases
$6,150 a year
Recurring Bills & Subscriptions
$4,800 a year
Gas & EV Charging
$3,600 a year
Dining & Restaurants
$3,600 a year
Office Supplies
$3,000 a year
Phone, Internet & Cable
$2,400 a year
Hotels
$1,800 a year
Shipping & Courier
$1,800 a year
Accounting & Bookkeeping
$1,800 a year
Other Foreign Currencies (EUR, GBP, etc.)
$1,230 a year
Electronics & Software
$1,200 a year
Air Canada
$1,200 a year
Transportation
$1,200 a year
Other Airlines
$600 a year
Car Rental
$600 a year
Other Travel
$600 a year
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
National Bank Business Mastercard
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
National Bank Business Mastercard
Fees, rates and eligibility
What each card costs to hold and to use abroad, and who it's for.
Annual fee
Employee cards
Foreign transaction fee
Rewards
Network
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
Income required
Min Personal Income:
N/A
Min Household Income:
N/A
National Bank Business Mastercard
Interest rates
Purchase:
20.99% or 14.5%^
Cash Advance:
22.99% or 14.5%^
Balance Transfer:
22.99% or 14.5%^
Recommended credit score
Income required
Min Personal Income:
N/A
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)
National Bank Business Mastercard
- Pay just $30 in annual fees with a minimum credit limit1 of $1,000 and reduce your rate to 14.5% on purchases, balance transfers and cash advances.2,3
- Get up to $10,000 in coverage against fraudulent uses of your credit card by authorized cardholders.
Insurance and perks
What both cards include comes first in each list.
Marriott Bonvoy® Business American Express® Card
Insurance
Purchase Protection
90 days
Lost or Stolen Baggage
$500
Baggage Delay
$500.svg)
Car Rental Damage & Theft
Yes
Common Carrier Travel Accident Insurance
$500,000
Mobile Device Insurance
$1,000
Extended Warranty
1 year
Hotel Burglary Insurance
$500Flight Delay
$500
Perks
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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.
National Bank Business Mastercard
Insurance
Purchase Protection
90 days
Perks
No extra perks.
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
National Bank Business Mastercard
This is a no-rewards, no-frills business card — and that’s exactly the point. There’s no annual fee, no points to track, and no complicated structure. What you get is a clean way to separate business expenses from personal ones, with the option to drop your interest rate to 14.5% for just $30/year. That makes it one of the better options if your business occasionally carries a balance. It won’t earn you anything on spending, but for businesses that just need a functional credit line without paying for features they’ll never use, it does the job.
- $0 annual fee (including additional cards)
- Option to lower interest rate to 14.5% with $30 annual fee
- Helps separate business and personal expenses
- No rewards program (no points or cash back)
- Limited insurance coverage
- No travel perks or premium benefits
More business card comparisons
Each card against every other business card we review.
Marriott Bonvoy® Business American Express® Card
vs Amex Aeroplan Business Reserve
vs Amex Business Gold
vs Amex Platinum Business
vs BMO CashBack Business Mastercard
vs BMO® Ascend World Elite®* Business Mastercard®*
vs CIBC Aventura® Visa* Card for Business
vs CIBC bizline® Visa* Card
vs National Bank Platinum Business Mastercard
vs Ramp Corporate Card
vs RBC Avion Visa Infinite Business Credit Card
vs RBC® Business Cash Back Mastercard‡
vs Scotia Momentum Business Visa
vs Scotia Momentum® for business No Fee Visa* Card
vs Scotiabank Passport Business
vs TD Business Cash Back Visa* Card
vs TD Business Travel Visa* Card
vs TD® Aeroplan® Visa* Business Card
vs The RBC Avion Visa Business Credit Card
vs WestJet RBC® World Elite Mastercard® for Business
National Bank Business Mastercard
vs Amex Aeroplan Business Reserve
vs Amex Business Gold
vs Amex Platinum Business
vs BMO CashBack Business Mastercard
vs BMO® Ascend World Elite®* Business Mastercard®*
vs CIBC Aventura® Visa* Card for Business
vs CIBC bizline® Visa* Card
vs National Bank Platinum Business Mastercard
vs Ramp Corporate Card
vs RBC Avion Visa Infinite Business Credit Card
vs RBC® Business Cash Back Mastercard‡
vs Scotia Momentum Business Visa
vs Scotia Momentum® for business No Fee Visa* Card
vs Scotiabank Passport Business
vs TD Business Cash Back Visa* Card
vs TD Business Travel Visa* Card
vs TD® Aeroplan® Visa* Business Card
vs The RBC Avion Visa Business Credit Card
vs WestJet RBC® World Elite Mastercard® for Business
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.
National Bank Business Mastercard
Little details that matter
Customer service or report a lost or stolen card |
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|---|---|
Report fraudulent use by an authorized cardholder |
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Chargeback |
®Mastercard and Mastercard BusinessCard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank
TM ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.
1 Subject to credit approval from National Bank.
2 Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you are a business that chose the corporate responsibility, please refer to the cardholder agreement and account statement. Account statement: A statement is sent monthly.
| Average balance | |
|---|---|---|
Annual interest rate | $500 | $3,000 |
22.99% | $9.45 | $56.69 |
20.99% | $8.63 | $51.76 |
14.5% | $5.96 | $35.75 |
11.7% | $4.81 | $28.85 |
*Variable interest rate in effect on April 24, 2023.
3 Subject to credit approval from National Bank. The total of all amounts transferred cannot exceed $5,000.
4 Certain conditions apply. Visit mastercard.caopens in a new tab for more information. Refer to the credit card terms and conditions.
This content is made available by National Bank and its affiliates for information purposes only. It does not create any legal or contractual obligations for National Bank and its affiliates. The conditions described herein are not exhaustive and are subject to change.
Some of our cards offer a compensation plan in the event of fraud by a cardholder. If necessary, the fraud compensation plan entitles you to a refund limited to the real loss resulting from fraudulent use of the card or account by the cardholder. This plan only applies in the event of fraudulent use by a cardholder who is not also an authorized signatory. The refund amount can be up to $100,000 per account per 12-month period. To use this plan, the company and all authorized signatories must fully collaborate with the Bank and file an official complaint with law enforcement authorities. The application of the fraud protection plan is governed by the conditions set out in section 14 of the credit card agreement. In particular, the plan does not apply if, through negligence, the cardholder contributed to the unauthorized or fraudulent use of the card or account by any person other than a cardholder.
National Bank is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for a National Bank Card, (I/we) may receive compensation from National Bank, which can be in the form of monetary payment.
