The Marriott Bonvoy Business Card is a strong contender for a business card to hold on to long term. The 15 elite nights towards status (which can be stacked with a similar offer on a personal card), as well as an annual free night award are a great value proposition. I value those perks at way more than the annual fee.
6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
Limited Time Offer: Earn 100,000 Marriott Bonvoy® Bonus Points and 1 Free Night Award after you spend $8,000 in purchases on the Card within the first 6 months of Card Membership. The Free Night Award has a redemption level up to 50,000 points at hotels participating in Marriott Bonvoy®. Resort fees and terms apply. Offer ends 11/4/26.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
Terms apply.
Limited Time Offer: Earn 100,000 Marriott Bonvoy® Bonus Points and 1 Free Night Award after you spend $8,000 in purchases on the Card within the first 6 months of Card Membership. The Free Night Award has a redemption level up to 50,000 points at hotels participating in Marriott Bonvoy®. Resort fees and terms apply. Offer ends 11/4/26.
Bilt Palladium Card
50,000 Bilt Points + Gold Status offer
2X points on everyday purchases
Earn up to 1.25X points on rent and mortgage payments
The Bilt Palladium Card is the crown jewel of the Bilt lineup, offering 2x points on everyday purchases, a 50,000-point welcome bonus, a Priority Pass membership, $200 in annual Bilt Cash (up to $100 of Bilt Cash earned rolls over to the next year), and up to $400 in hotel statement credits each year. The combination of a flat 2x earning rate with using Bilt Cash for the spending accelerator feature can push daily earning rates to a consistent 3x for a majority of purchases.
While the annual fee is steep, the math very much checks out for the right type of card holder. It's best for high spenders and those with significant housing payments who can extract maximum value from the premium perks and the broader Bilt ecosystem.
Bilt Palladium Card Review →
Intro Purchase APR:10% for the first 12 billing cycles after account opening
Intro Balance Transfer APR:N/A
Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
2X points on everyday spend
$400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
$200 Bilt Cash (awarded annually). At the end of each calendar year, any Bilt Cash balance over $100 will expire.
Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.
Earn
50,000 Bilt Rewards
Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash. Up to $100 of Bilt Cash earned rolls over to the next year.