Marriott Bonvoy Business American Express Card vs PNC Visa Business Credit Card: which one fits your business?
Side-by-side comparison of Marriott Bonvoy Business American Express Card and PNC Visa Business Credit Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Marriott Bonvoy Business American Express Card wins on our scorecard (7.3/10 vs 7/10).
| Scored on | Marriott Bonvoy Business American Express Card | PNC Visa Business Credit Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 7 | 7 |
| Fees & pricing | 7 | 9 |
| Customer support | 6 | 5 |
| Features | 8 | 6 |
| Annual Fee | $125 | $0 |
| Foreign Transaction Fee | $0 | 3% |
| Purchase APR | 20.99% - 29.99% variable | — |
| Late Payment Fee | Up to $40 | Up to $39 |
| Intro APR | — | 0% for 13 months |
| Balance Transfer Fee | — | 3% or $5 |
Marriott Bonvoy Business American Express Card in one paragraph
A powerhouse for Marriott loyalists who can spend $6,000 in six months, but the high APR makes it dangerous for those who carry a balance.
Skip it if: You don't stay at Marriott properties at least twice a year or you have a FICO score below 670.
Read the full Marriott Bonvoy Business American Express Card review
PNC Visa Business Credit Card in one paragraph
A powerhouse for debt consolidation and interest-free financing, but lacks the long-term rewards to be your primary spending card.
Skip it if: You spend heavily on international travel or software and want to earn 2% cash back on every purchase.
Frequently asked questions
Which is better, Marriott Bonvoy Business American Express Card or PNC Visa Business Credit Card?
On our five-axis scorecard, Marriott Bonvoy Business American Express Card scores higher (7.3/10 vs 7/10). A powerhouse for Marriott loyalists who can spend $6,000 in six months, but the high APR makes it dangerous for those who carry a balance.
Who should skip Marriott Bonvoy Business American Express Card?
You don't stay at Marriott properties at least twice a year or you have a FICO score below 670.
Who should skip PNC Visa Business Credit Card?
You spend heavily on international travel or software and want to earn 2% cash back on every purchase.