Credit card question. From what I have read, I can apply for a business card even if I do not have an official business. Why would I get the Marriott personal amex over the business Amex when the business card has a lower annual fee and a better welcome offer?

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The personal one was better because of the more flexible $300 Marriott credit and the $100 Regis / Ritz credit, along with purchase protections, TSA precheck, and a couple of other ones. Now that they gutted the $300 credit, idk if it’s worth it anymore, especially if you already have a premium travel card.

At this time you would not. You would get the business and get a personal one when that offers a great SUB

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