Capital One Quicksilver Secured vs Marriott Bonvoy Business: Which Is Better In 2026?

Marriott Bonvoy Business® American Express® Breakdown

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Why We Like It

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Here's a quick breakdown of why we like the Marriott Bonvoy Business® American Express® (See Rates & Fees) card.

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• The card offers a robust rewards structure that is particularly valuable for spending at participating Marriott Bonvoy properties and on everyday business purchases.
• Cardholders receive automatic elite status within the Marriott Bonvoy program, unlocking valuable travel perks and hotel benefits.
• With features designed for business management and no foreign transaction fees, the card is well-suited for both domestic and international operations.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Pros

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• Receive automatic Marriott Bonvoy Gold Elite status, which provides access to valuable hotel benefits like room upgrades.
• Designed for businesses with features like employee cards at no extra cost to help manage and consolidate expenses.
• Offers flexible rewards that can be redeemed for hotel stays or transferred to various airline partners.

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Cons

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• An annual fee is required, and the card's benefits are best suited for businesses that are loyal to the Marriott brand.
• Reward points provide the most value when used for Marriott stays, making other redemption options less appealing.
• As an American Express card, it may not be as widely accepted as other cards, and the application process can impact your personal credit score.

Marriott Bonvoy Business® American Express® vs Capital One Quicksilver Secured Cash Rewards

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Categories

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When deciding between these two very different cards, the question of which is better, Capital One Quicksilver Secured or Marriott Bonvoy Business, ultimately depends on your personal financial goals and spending habits.

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• Capital One Quicksilver Secured Cash Rewards Credit Card is designed for individuals who are building or rebuilding their credit. It's particularly suitable for those who want to earn rewards while improving their credit history.
• Marriott Bonvoy Business® American Express® Card is best for business owners who are frequent travelers and loyal to the Marriott brand. The card is tailored to maximize rewards on business and travel expenses, especially hotel stays.

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Redemption

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Capital One Quicksilver Secured Cash Rewards Credit Card: Rewards are earned as cash back, which can be redeemed for a statement credit or a check, offering a straightforward way to get value from your spending. This provides simple and flexible redemption options without being tied to a specific program.

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Marriott Bonvoy Business® American Express® Card: This card earns points within the Marriott Bonvoy loyalty program. These points are primarily redeemed for free nights at participating Marriott hotels and resorts, or they can be transferred to a variety of airline partners.

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Compare Top Rated Credit Cards with Kudos

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To find the best card for your specific spending habits, a tool like Kudos can help you compare options from a database of nearly 3,000 cards.

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• Test drive credit cards: Use your real spending data to simulate potential earnings with a new card before you apply, without a hard credit pull.
• Welcome offer guarantee: If you find a better offer within three months of applying through Kudos, they will match it.
• Approval odds analysis: Get a detailed analysis of your approval chances for different credit cards based on your credit report.
• Kudos Kickstart+: Unlock $100 in Kickstart+ Rewards when you add select approved cards to your Kudos Wallet.
• Kudos Boost: Earn additional rewards when shopping at participating stores, which are applied on top of your regular card rewards.
• Personalized card matching: Receive card recommendations based on your actual spending history to maximize your returns.

Who Should Choose the Capital One Quicksilver Secured Cash Rewards?

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The Capital One Quicksilver Secured Cash Rewards Credit Card is designed for individuals who are building or rebuilding their credit history. It appeals to users with fair to poor credit who still want to earn rewards, offering an unlimited 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel. The ideal cardholder is someone who pays their balance in full each month, which is crucial for avoiding the card's high variable APR while leveraging its credit-building features.

Who Should Choose the Marriott Bonvoy Business® American Express®?

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The Marriott Bonvoy Business® American Express® Card is tailor-made for small to medium-sized business owners who are loyal to the Marriott Bonvoy program and travel frequently for work. Ideal candidates are those looking to maximize rewards on their stays and consolidate business expenses, especially in categories like U.S. restaurants, gas stations, and wireless services. Furthermore, entrepreneurs who value hotel elite status will appreciate the complimentary Marriott Bonvoy Gold Elite status, which unlocks perks like enhanced room upgrades and late checkout. Terms apply.

Alternatives to Consider

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If neither the Capital One Quicksilver Secured Cash Rewards Credit Card nor the Marriott Bonvoy Business® American Express® Card is the right choice for you, don't worry. Our Capital One Quicksilver Secured vs Marriott Bonvoy Business comparison covers two very different types of cards, and there are plenty of other alternatives to explore.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score – Most card issuers require good to excellent credit for approval.
• Review issuer application rules – Some issuers have restrictions on how many cards you can have or how often you can apply.
• Plan your spending – Ensure you can naturally meet any spending requirements for a welcome offer.

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Application Strategy

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• Use pre-approval tools – Many issuers, like Capital One, let you check for offers with a soft inquiry that won’t affect your credit score.
• Understand the application type – Be aware that some business cards, like those from American Express, may still require a personal credit check.
• Prepare for specific requirements – Some cards, especially secured cards, may require a security deposit to open the account.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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What is a secured credit card?

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A secured credit card requires a refundable cash deposit that typically determines your credit limit. These cards are designed for individuals looking to build or rebuild their credit history with responsible use.

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Can I apply for a business credit card for personal use?

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Business credit cards are intended for business-related expenses, and issuers generally expect you to have a business to qualify. Mixing personal and business spending on one card can create accounting challenges and may go against the cardholder agreement.

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What’s the difference between cash back and travel points?

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Cash back rewards offer a straightforward return on your spending, usually as a statement credit or direct deposit. Travel points, on the other hand, are redeemed for travel like flights and hotel stays, and their value can vary depending on how you use them.

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Do I need good credit to get a rewards credit card?

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While premium travel cards like the Marriott Bonvoy Business® American Express® Card typically require a good to excellent credit score, other options exist. Cards such as the Capital One Quicksilver Secured Rewards Credit Card are designed for those with fair or limited credit and still allow you to earn rewards.

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