Marriott Bonvoy® Business American Express® Card

Ramp Corporate Card

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Marriott Bonvoy® Business American Express® Card vs Ramp Corporate 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

Ramp Corporate Card

4.5

Apply now

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

Not calculated yet

$602

Every year after

Not calculated yet

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

Ramp Corporate 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

Ramp Corporate 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

Not listed

2.5%

Foreign transaction fee

None

Marriott Bonvoy

Rewards

Cash back

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

Ramp Corporate Card

Interest rates

Purchase:

N/A

Cash Advance:

N/A

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)

Ramp Corporate Card

Get up to 1% cash back on all eligible transactions

Insurance and perks

What both cards include comes first in each list.

Marriott Bonvoy® Business American Express® Card

Insurance

Car Rental Damage & Theft

Yes

Extended Warranty

1 year

Purchase Protection

90 days

Lost or Stolen Baggage

$500

Baggage Delay

$500

Common Carrier Travel Accident Insurance

$500,000

Mobile Device Insurance

$1,000

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.

Ramp Corporate Card

Insurance

Car Rental Damage & Theft

31 days. Reimbursed for damages caused by theft up to cash value of most rented cars

Extended Warranty

Yes

Purchase Protection

First 90 days, up to $10,000 per claim and $50,000 per cardholder

Car Rental Accident

31 days. Reimbursed for damages caused by collision up to cash value of most rented cars

Travel and Emergency Assistance Services

Available 24 hours a day, 365 days a year

Perks

Adapted limit

Customizable limits and controls down to the merchant and transaction level

High Credit Limits

30x higher than those offered by traditional banks

No Credit Check

No personal credit check or personal guarantee required

Unlimited Cards

Issue unlimited virtual and physical cards for each employee

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

Ramp Corporate Card

The Ramp Corporate card offers a competitive edge with perks like higher credit limits, no credit checks, and cash back opportunities. The card pairs perfectly with Ramp's arsenal of products dedicated to expense management, bill payments, accounting automation, vendor management, and reporting. Together, these tools help Canadian businesses save both time and money.

No Annual Fee
High and Customizable Credit Limits
Cash Back Opportunities
No Credit Check
Unlimited Cards

Minimum Balance Requirements
Geographical Limitations
No Sole Proprietors

More business card comparisons

Each card against every other business card we review.

Marriott Bonvoy® Business American Express® Card

Ramp Corporate 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.

Ramp Corporate Card

Terms and conditions apply. Cards issued by Peoples Trust Company under license from Visa International.

Must have at least $25,000 in your primary business bank account to qualify.

Businesses must be a corporation or a limited liability company registered in Canada; sole proprietorships, partnerships, and unregistered businesses are not eligible.

Certain industries may be restricted from onboarding to Ramp (e.g. cryptocurrency and cannabis businesses).

Ramp cannot serve Quebec, Saskatchewan, or the territories (Yukon, Northwest Territories, and Nunavut).