Chase Marriott Rewards® Premier Business Credit Card Review

"A Business Card with Big Benefits"

A free night's stay and Silver Status along with the potential to earn tons of points make this card great for business travelers who prefer Marriott hotels.

Card Summary Table

The Ideal Cardholder

As a business owner, you have enough on your plate. Between running your business and handling your own finances, anything that makes things easier is a no-brainer!

That includes having a business credit card you can depend on.

The Chase Marriott Rewards® Premier Business Credit Card may be the solution. Between free employee cards and all of the great travel rewards from a hotel chain with over 4,000 properties worldwide, there’s a lot to love.

Plus, there’s no limit to the number of points you can earn.

Business Owners Benefit from Chase Marriott Rewards Premier Business Credit Card
Business owners can greatly benefit from having the Chase Marriott Rewards® Premier Business Credit Card.

Sign-Up Bonus, Earning Categories and Points

The current sign-up bonus for the Chase Marriott Rewards® Premier Business Credit Card is detailed above, which you can get after spending the required amount in the allotted time.

Using this card, you earn 5x points for stays at Marriott properties and Ritz-Carlton locations.

Like most cards, only new cardmembers can take advantage of the sign-up bonus. If you are new to the card, this is a terrific way to stockpile points.

Because it’s a business card, you also get 2x points on airline tickets (purchased through the airline), car rentals, restaurants, and office supply stores. You’ll also get 2x the points for internet, cable, and phone services.

On everything else you purchase, you’ll get 1x points. With a Category 1 one-night award costing only 7,500 points, you can rack up awards pretty quickly.

Bottom Line: Earn 5x points at Marriott, and 2x points on airfare, car rentals, restaurants, office supply stores, internet, cable, and phone purchases with your Chase Marriott Rewards® Premier Business Credit Card!

Free Night Stay and Elite Status Benefits

Each year after your account anniversary, you get 1 free night’s stay at a Category 1-5 hotel just for being a Chase Marriott Rewards® Premier Business Credit Card member.

A 1-night stay usually requires 25,000 points at a Category 5 hotel, which includes Renaissance, Courtyard, Fairfield Inn, and more!

Also, this card automatically earns you 15 Elite credits every year, putting you at Silver Status in the Marriott Rewards Program for as long as you participate. You completely bypass the 10-night requirement necessary to reach Silver Status!

Silver Status gives you a ton of great benefits, such as late checkout, weekend discounts, and a 20% bonus on your points each stay. Not only that, you get a 5th night free for booking 4 nights or more!

Spend 50 nights or $50,000 in purchases in a year and move up to Gold elite status. If you’re putting all your business expenses on the card, this can be quite doable.

Gold status means complimentary room upgrades, lounge access, breakfast for 2, and a 25% point bonus.

The card provides another way to reach Gold: Every $3,000 you spend on purchases earns you an additional credit (equal to one night’s stay) toward elite status, and there’s no limit to how many you can earn.

So, say you stayed 25 nights this year and earned 25 credits. Add the 15 credits you start out with each year from the card, and that’s 40 credits…not quite the 50 needed to make Gold.

But if you’ve spent $30,000 on the card, you can add 10 more credits, sending you directly to Gold status!

There’s one more tier, Platinum elite status, which requires 75 nights but earns you 50% additional points per stay. If your business requires a lot of traveling, this is certainly possible.

Bottom Line: Gain automatic Silver status in Marriott Rewards with the Chase Marriott Rewards® Premier Business Credit Card, and earn elite credits for purchases to put Gold status more easily within reach.

More Chase Marriott Rewards® Premier Business Credit Card Benefits

The Chase Marriott Rewards® Premier Business Credit Card is great for international travel because there are no foreign transaction fees. These fees can add up quickly with other cards!

Plus, the embedded chip in the card provides enhanced security when used in a chip card reader in the U.S. and overseas.

Even though it’s a hotel card, you can score big with miles in the United MileagePlus program once you hit Platinum elite status.

That’s because you’ll automatically earn Silver status with MileagePlus and be able to transfer points with a 20 percent discount.

For instance, you usually need to transfer 10,000 Marriott points to get 2,000 MileagePlus points. But with the discount, you only need to transfer 8,000 points!

If you’re concerned about the $99 annual fee, remember you get 15 elite credits each year, 1 free night’s stay, and 80,000 sign-up points in return!  As a business owner, you may find this to be a very valuable card if you use it often.

Bottom Line: The free night each year alone more than makes up for the annual fee of the Chase Marriott Rewards® Premier Business Credit Card. Plus you get Silver elite status and even more benefits when you hit Gold and Platinum.

Great Card If

  • You enjoy staying at Marriott properties (over 4,000 options worldwide!)
  • You will authorize employees to use the card
  • You travel frequently for business
  • You enjoy perks like room upgrades and weekend discounts

Don't Get If

  • You prefer to stay in hotels other than Marriott
  • Marriott brand hotels aren’t available in the cities where you travel
  • You want more flexible redemption options

U.P. Pro Tips

As a business owner, you probably hold a lot of meetings. Earn up to 50,000 points (3 points per $1)  by holding a meeting, conference, or other event at a Marriott brand hotel–enough points for 2 nights at a luxury location!

You can also split up to 50,000 points with a colleague if you’re both Rewards members.

In addition, book 10+ guest rooms for at least 1 night and earn points plus 10 elite credits, even if you don’t pay for all the rooms yourself.

Book a Block of Rooms and Earn Marriott Rewards Bonus Points
At Marriott properties, when you book 10 or more rooms at once, you can earn elite status credits and bonus points even if you aren’t paying for the rooms!

How To Use the Chase Marriott Rewards® Premier Business Credit Card: The Upgraded Way™

Best Way To Maximize Points

Because you are on the road as a business traveler, the fastest way to accumulate points is going to be staying at Marriott properties. But it’s certainly not the only way!

The tips below can help you rack up points in ways you may not have considered. Then you can redeem even more points for great Marriott Rewards.

After all, why not get as much value from the Chase Marriott Rewards® Premier Business Credit Card as possible?

Tip #1: As we mentioned above, the #1 way to earn points is by using this card as a Rewards member at Marriott and Ritz-Carlton locations. You’ll earn 5x points, plus 5x – 10x points with status, for up to 15 pts/$1!

The automatic elite status puts you on a path to great earning potential!

Tip #2: Hold large business conferences or events through Marriott for up to 3x points (up to 50k), which is a super fast way to build points.

Plus, earn points for guests that stay overnight and tons of elite credits!

Tip #3: Look for Marriott Rewards promotions worth extra points. For instance, you may be able to earn bonus points after 2 or more stays.

Marriott holds yearly promotions at the same time each year, so keep an eye out for these!

Tip #4: Book rooms with your Marriott business account when traveling with your employees or other companions to earn additional points.

You can get points for up to 2 additional rooms as long as you put them on your card and stay in a room yourself.

Tip #5: Work to reach the next status as quickly as possible to earn points faster. With Platinum status, your bonus jumps from 25% to 50%!

For example, as a Platinum member, you earn 10 base points plus 5 bonus points, for a total of 15 bonus points per dollar for your stay.

Platinum members also receive a bonus gift at check in worth 200-1,000 bonus points. Don’t forget to ask when you arrive!

Tip #6: Think outside the box by earning points on qualifying charges at participating Marriott luxury hotels. You can earn points on spa and resort services, golf courses, and hotel dining.

Tip #7: Get points for everyday spending with Marriott Rewards partners like ShopMyWay, NRG Home, and more. For instance, with ShopMyWay you earn 2 points per dollar spent with Lands’ End, Apple, and

Tip #8: Rent a car with Hertz, another Marriott partner. You can receive 2,000 points on rentals of 2-4 days and 5,000 points on rentals of 5+ days. Just use the CDP code 154080.

Plus, when you earn Gold elite status with Marriott Rewards, you automatically reach Hertz Gold status, which comes with its own set of upgrades and bonuses!

Tip #9: Collect badges when you participate in Marriott’s Badges Rewards Program, a new part of the loyalty program. Each badge gets you Rewards points, up to a maximum of 1,725.

Earn 25 pts when you stay at one of the different brands for a minimum 2-night stay. Stay at all 14 for a total of 350 pts.

You also receive bonus points for becoming a 5-brand Explorer (50 pts), 10-brand Explorer (75 pts), or Uber brand explorer (250 pts).

Work toward 1000 nights of cumulative stays to earn more points. Here is a breakdown of the earnings for each badge.

Tip #10: Prefer airline miles? Switch from earning points to earning miles through your favorite airline program.

Take note, however, that the value of airline miles varies depending on your status. For instance, points and miles are equal value for basic membership. But as an elite Silver member, you earn more points than miles in equivalent value.

See Card Math for details.

Earn Airline Miles Marriott Rewards
With the Marriott Rewards Program, you can choose to earn hotel points OR airline miles. It’s your choice, so make sure to do what works best for your situation!

Best Way To Redeem Points

After earning points with your Chase Marriott Rewards® Premier Business Credit Card, you’ll probably want to redeem them! With all of the ways to redeem your Marriott points, it can be a little confusing.

You have options such as room redemptions, upgrades, flights, and more. Here are some suggestions for redeeming your points for as much value as possible.

The table below breaks down the types of redemptions you can choose from.

Ways to Redeem How it Works
Free Nights Redeem points for stays at Category 1-Category 9 hotels (7,500 – 45,000 pts.)
PointSavers Save up to 33% on stays by redeeming for fewer points.
Cash & Points Book online to combine cash and points.
Room Upgrades Redeem points for a larger room or better view.
Instant Redemption Redeem points during your stay for cocktails, meals, spa experiences, and more,
Points Advance Reserve a room based on the points you will have 14 days before the stay.

Find more details about the ways to redeem points here.

Types of Redemptions and Their Value

In most cases, you can get the best value for redeeming points for hotels in the higher categories, but that’s not always the case. Our sample valuations found the value per point to range from $0.004 to $0.016.

Because the value can vary among categories and locations, crunch the numbers ahead of time. Aim for the highest redemption value possible, while booking the best trip for your needs.

For instance, it may be worth it to stay more nights at a hotel of lesser quality than to cut your trip short because a fancier hotel requires more points.

Quick Tips for Redeeming Points

Tip #1: The best value is usually through standard redemptions.

Tip #2: When possible, take advantage of PointSavers options. You can get a discount as high as 33%, which really stretches your points.

Check available PointSavers options regularly in order to find the best deals.

Tip #3: If you have some flexibility with your stay, try to redeem your points for 5 nights. For every 5 nights you book in standard redemptions, you receive 1 of those nights free!

Tip #4: Are you a United MileagePlus business traveler? Then you can transfer points from your Marriott Rewards account to your MileagePlus account at a 20% discount over other airlines.

Take note, transferring miles back to your Marriott account will be at a 1: 1 ratio.

Tip #5: Consider redeeming your points for room upgrades, but only when it works out to be a good value. You may be able to get a better deal for the upgrade using the cash option and saving your points for other rewards.

If you use a points upgrade you won’t earn points on the room. But if you are a Gold or Platinum member (who already receives free upgrades), you can still earn points.

Tip #6: Be careful using Instant Rewards, which often offer a much lower value than room redemptions.

Tip #7: If you have accumulated a ton of Marriott Rewards points, you may want to transfer them to an airline. However, airlines usually offer a lesser value than free Marriott nights.

Before transferring points to airlines, check the numbers.

For instance, the value of a free night with 10,000 Marriott points can be $80-$150. Yet you would only get 2,000 airline miles if you transferred the same number of points, for a value of $40 ($.02/ point).

There’s no question which option is more valuable.

On the other hand, transfer 140k points and get 50k airline miles, which can be worth $1,000+ in airline value. It would be harder to get more than $1,000 for a Marriott stay, depending on the property.

Tip #8: Don’t wait too long to use your points. Marriott Rewards points expire after 24 months if you don’t use them.

Tip #9: Check out unique ways to redeem points. Get gift cards from popular retailers, or trade points for gifts from the 10K and under collection that includes housewares, toys, and mobile devices.


When it comes to earning and redeeming points, Marriott has a wide variety of partners in the Marriott Rewards program.

Partners: Hertz, NRG Home Solar, Diner’s Club, Cruises Only, Flowers, Gifts & Wine Boutique, CTrip, Avios, ShopMyWay Mall, Traveling Connect, and Energy Plus

The Cosmopolitan of Las Vegas loyalty program is another partner.

On the low end, you can transfer 5,000 points from Marriott Rewards in exchange for 2,000 Identity points.  On the high end, you can transfer 250,000 Marriott Reward points for 100,000 Identity points.

Marriott Rewards Airline Transfer Partners

Airline partners in the Marriott Rewards program base transfers on a sliding scale. Basically, it pays to transfer as many points as possible because you will get more miles.

Below, we categorize the participating airlines to give you an idea of the best and worst options for transferring points.

We group them by Low End (hotel pts/airline miles) and High End (hotel pts/airline miles), so the further down the list, the fewer miles you will get.

As we mentioned earlier, United MileagePlus offers a 20% bonus when transferring miles.

Airline Transfer Partner Low High
United MileagePlus 8,000 / 2,000 112,000 / 50,000
Aeromexico,  American Airlines, Southwest, GOL/Varig, Iberia Airlines, Hawaiian Airlines, Frontier Airlines, Delta Air Lines, British Airways, Alaska, Aeroplan (Air Canada), Virgin Atlantic, Copa Airlines 10,000 / 2,000 112,000 / 50,000
China Southern, Emirates, TAP Air Portugal, China Eastern, Singapore Airlines, Saudia Airlines, Qatar Airways, Qantas, Japan Airlines, Multiplus, Lufthansa Miles & More, Etihad Airways, Aeroflot, Air China, Avianca-TACA, Turkish Airlines, ANA, LAN, Jet Airways, Airberlin, Air France/KLM, Alitalia, Asia Miles, Asiana Airlines 10,000 / 1,500 140,000 / 35,000
JetBlue, Virgin America 10,000 / 1,000 140,000 / 25,000

Card Math

We’ve looked at the benefits and drawbacks, but is the card worth it for you as a business owner? Let’s crunch the numbers and see.

A Quick Recap: Card at a Glance

Based on the above Chase Marriott Rewards® Premier Business Credit Card review, here is the card’s cost and earning potential:

Annual Fee Points Earned
$99 (waived first year) 5 pts/$1 at Marriott Hotels 2 pts/$1 on airfare, restaurants, car rentals, office supply stores, internet, cable, and phone services 1 pt/$1 for all other purchases

Plus, you get the current sign up bonus.

A Business Example: The Consulting Firm

The sample table below looks at the business expenses that a consulting firm might incur. In this case, the business has a few employees who consult around the region.

Spending Categories Amount Other Amount
Office Supply $12,000 Conferences/Networking $2,000
Cell Phone $2,400 Hotel Expenses Related to Above $1,000
Landline $  – Airline Expenses Related to Above $1,000
Internet $1,800 Legal Fees $10,000
Cable $  – Advertising/Marketing $10,000
Gas Station $5,200 Web Expenses (Including Dev) $12,100
Restaurants $2,600 Other Transportation $500
Total $28,000 Accounting Fees $10,000
Insurance $1,200
Office Rent $60,000
Total $107,800

Now we can break down these expenses into spending by category:

Rewards Category Total Dollars Spend Total Points Earned
5x $1,000 5,000
2x $19,800 39,600
1x $115,000 115,000
Grand Total $135,800 159,600

You could earn 159,600 points in total with these expenses, assuming you put all of your expenses on your card!

Next, let’s look at the value of those points when redeeming them for free rooms.

The Value of the Points Earned: Free Nights

When redeeming Marriott Rewards points for free rooms, the minimum number of points needed is 6,000, and the maximum is 45,000.

Here is a table from the Marriott’s website that gives a breakdown of the cost of redemption per hotel category.

Hotel Category Points Reward for 1 Night Stay (Regular) PointSavers Cost
1 7,500 6,000
2 10,000 7,500
3 15,000 10,000
4 20,000 15,000
5 25,000 20,000
6 30,000 25,000
7 35,000 30,000
8 40,000 35,000
9 45,000 40,000

*Courtesy of Marriott Rewards How to Redeem Points site

At the very least, the owner of the consulting firm in our example could redeem 35 free nights in the Category 1 PointSavers category or 5 nights in a PointSavers Category 9 room (using the total earned + bonus points).

If they use the 5th night free option, they can make the points work for them even more, saving 40,000 points (if using the PointSavers Category 9).

Obviously, the number of free nights you earn with the Chase Marriott Rewards® Premier Business Credit Card will depend on your style of travel and the available deals.

However, there is no question that you will earn several free nights from the points earned over the year–and even more with the bonus points added in. Plus, you automatically get 1 free night per year with the card.

Free Nights and the Annual Fee

Your free night will likely be worth more than the annual fee of $99, so any additional points you earn take you above and beyond the cost of the card.

Basically, the free night you earn each year just for having the card makes up for the cost as long as you take advantage of the benefit.

The free night is good for a room up to Category 5, making it worth up to 25,000 points. Our random search found a Category 5 hotel going for $249 per night.

Again, considering the cost of the card is only $99, you get plenty of value here!

Marriott and Elite Status Points

In the above calculations, we didn’t include the number of Marriott points you earn through the Rewards program when you stay the night. While it depends on the hotel, you can earn 5 or 10 points per qualifying dollar.

Marriott considers “qualifying dollar” as the room rate only for the majority of their hotel brands, or all qualifying charges for 5 of their chains. You also earn bonus points based on your elite status: Silver (20%), Gold (25%), and Platinum (50%).

Let’s take the owner of the consulting firm in our example, who spends $1,000 a year in hotel stays. If he stayed at a 10x point Marriott brand hotel as a Silver member, here is what he would earn:

Hotel Spend Points Earned Additional Points Earned
$1,000 10,000 pts 10,000* (1+0.20) = 12,000

That’s an extra 12,000 points, or 2 nights in a Category 1 PointSavers room.

Earning Miles Versus Earning Points

You do have the potential for getting a better deal when you use your points as miles. The following table shows the equivalent points you would get for transferring miles and the value you could get from those currencies:

Marriott Points 10,000 140,000
Value of Points $99 $512
Equivalent Miles 2,000 50,000
At $0.02 per Mile $40 $1,000

We calculated the value of the Marriott nights from the equivalent of 1 night in a Category 2 (10k pts), or 2 nights in a Category 9 (~90k pts). As you can see, the value of the airline miles is higher than the Category 9 value we calculated.

Of course, because this may not always be true, it’s important to check out each individual case!

Airline Miles Worth More Than Hotel Points Marriott Rewards
Earning airline miles for staying at Marriott may be more valuable than the hotel points. However, do some calculations based on how much you think you’ll travel. This will take some planning!

Math Wrap Up for the Chase Marriott Rewards® Premier Business Credit Card

When you consider all of the ways to earn additional points, including other yearly spending, it’s clear the Chase Marriott Rewards® Premier Business Credit Card has tons of value–and will get you the vacations you deserve.

The Gritty Details: Everything Else You Need To Know

In order to take advantage of the sign-up bonus, you must not be a current cardholder and may not have received it in the last 24 months. Expect bonus points to take 6-8 weeks to post to your account.

When earning Marriott Rewards points for airlines, restaurants, and car rentals, you must book directly with these agencies to ensure the transaction is categorized correctly.

As of January 1, 2016, your Marriott Reward points will expire without qualifying activity after 24 months. The following actions are considered qualifying activity:

  • Pay or redeem points for a stay at a Marriott property
  • Make a purchase with the card
  • Purchase points
  • Earn points with one of the program partners
  • Hold a meeting or event through the Events Program

Gifting or transferring points, receiving gifted or transferred points, and earning points through social media programs are not considered qualifying activity.

E-Certificates for the Anniversary Free Night expire after 12 months.

Elite credits are posted to your account 6 to 8 weeks from your account anniversary date.

Other Unique Features

Chase Marriott Rewards® Premier Business Credit Card members receive a variety of benefits.

Tax and expense management – Separate business expenses from personal purchases with itemized monthly statements. You can also carry a balance up to your credit access line to pay off purchases over time.

Quarterly management reports – Break out business expenses by employee and merchant type so you can take advantage of tax deductions.

Dedicated customer service line – Call 1-800-338-5960 24 hours a day.

Account alerts – Personalized alerts by email, text message, or voicemail help you track your balance, payments, and available credit.

Visa Signature Concierge Service – Personal assistance with restaurant reservations and special occasion planning by calling 1-800-953-7392.

Trip cancellation/interruption insurance – Reimbursement up to $5,000 per trip for prepaid, nonrefundable expenses if a trip is canceled or cut short by sickness or severe weather.

Trip delay reimbursement – If your travel is delayed more than 12 hours or requires an overnight stay, you are covered for up to $500 of unreimbursed expenses.

Baggage delay insurance – If baggage is delayed over 6 hours by passenger carrier, you receive reimbursement for essentials purchased, up to $100 per day for 5 days.

Purchase protection – New purchases are covered against damage or theft for up to $10,000 per claim for 120 days.

Lost luggage reimbursement – Receive up to $3,000 per passenger if you or your immediate family members’ carry-on bags are damaged or lost by the carrier.

Photo Credits/Credit/Copyright Attribution:
Businessman at Desk: Uber Images/Shutterstock
Hotel Rooms from Outside: Johnson76/Shutterstock
4 Star Hotel with Airplane Reflection: Photobank gallery/Shutterstock
Airplane Soaring in Sky: IM_photo/Shutterstock

The Business Platinum® Card from American Express OPEN

Don’t miss out on these 41 benefits of this card, such as access to over 1000+ airport lounges, complimentary Boingo wifi access ($468 value), 10 GoGo Inflight wireless passes ($160 value), $200 Airline Fee Credit and so much more. Terms Apply.


Is the Chase Marriott Rewards® Premier Business Credit Card worth it?
Business travelers who prefer Marriott hotels will find the Chase Marriott Rewards® Premier Business Credit Card to be a solid choice, especially when adding everyday purchases. The benefits more than compensate for the cost of the card.

Using the card can earn you as many as 15+ free nights per year, depending on the hotel category and price. In addition, you earn credit toward your elite status, which adds to the number of points you can earn.

Because you start out at Silver status, you also earn the 5th night free when you redeem 5 nights with points.

How do I earn points with the Chase Marriott Rewards® Premier Business Credit Card?
You earn points with practically every swipe of the card with your Chase Marriott Rewards® Premier Business Credit Card.

Chase tracks and shares your spending with Marriott. They will automatically credit your account with the correct number of points.

Each category will earn you a certain number of points. When you stay at Marriott hotels, you earn 5x points per dollar spent plus points just for being a member. The best way to stockpile points is to use the card for all of your Marriott stays.

Who are the program’s travel partners?
In addition to the Marriott Rewards airline partners, there are a variety of other partners, including Diner’s Club, Cruises Only, Energy Plus, Hertz, NRG Home SolarShopMyWay Mall, Traveling Connect, Flowers, Gifts & Wine Boutique, Ctrip, Avios, and The Cosmopolitan of Las Vegas.

What is the Chase Marriott Rewards® Premier Business Credit Card login?
Sign into your account via the Chase bank portal to access card information. If you want to access your Marriott Rewards account, sign in through the Marriott portal.

What is the annual fee for the card?
The card costs $99 per year.

What are the benefits of the Chase Marriott Rewards® Premier Business Credit Card?
You can enjoy numerous benefits with the Chase Marriott Rewards® Premier Business Credit Card. First, you earn 1-5x points through purchases.

Next, each year you earn 1 free night that can be redeemed worldwide. This benefit alone pays for the cost of the card if you use it!

In addition, you get 15 elite credits, which puts you at Silver status right from the start. You also receive 1 additional credit for each $3,000 you spend on the card. Silver members get a 5th night free for every 5 nights redeemed.

You’ll get a 20% bonus when you transfer points to miles in the United MileagePlus program. MileagePlus members automatically reach Silver status after reaching Platinum status in the Marriott Rewards loyalty program.

Finally, the Marriott Rewards Portal allows you to transfer points to a long list of partners. With so many options, you’re sure to find something useful.

When do Marriott Rewards points expire?
Marriott Rewards points expire if you don’t remain active on your account for 24 months.

You have several options for staying active, including hotel stays (with cash or points), redeeming points, making a purchase with your Chase Marriott Rewards® Premier Business Credit Card, and more.

You cannot remain active by gifting/transferring points, receiving gifted points, or earning points through social media programs.

Does the Chase Marriott Rewards® Premier Business Credit Card have a 0% APR offer?
No, at this time there is not a 0% APR for this card. The card has a 16.24% variable APR.

Does the Chase Marriott Rewards® Premier Business Credit Card have a foreign transaction fee?
No. You can use your card overseas to stay in Marriott brand hotels without incurring a foreign transaction fee.

What are the differences between the Chase Marriott Rewards® Premier Business Credit Card and the Chase Ink business cards?
The Chase Ink Business Preferred℠ Credit Card and Chase Ink Business Cash℠ Credit Card earn you cash-back plus points to spend on Chase Ultimate Rewards, while the Chase Marriott Rewards® Premier Business Credit Card is a hotel card.

With the Chase Marriott Rewards® Premier Business Credit Card, you earn points on hotels plus everyday spending, as well as on airlines, restaurants, car rentals, and specific business expenses.

However, with the Chase Ink cards you earn cash-back for many of the same purchases.

Both cards offer benefits and partners which make them valuable. The Marriott credit card has an annual fee of $99 while the Chase Ink Business Cash℠ Credit Card has none. The Chase Ink Business Preferred℠ Credit Card does have a $95 annual fee.

Plus, the Chase Ink Business Cash℠ Credit Card has 0% APR for 12 months, compared to the 16.24% APR for the Chase Marriott Rewards® Premier Business Credit Card.

Finally, note that points in Chase Ultimate Rewards are typically valued much higher than Marriott Rewards points.