Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
6x
Dining
4x
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
4X at restaurants worldwide including takeout and delivery in the U.S. and at U.S. supermarkets on up to $15,000 in combined purchases per calendar year, then 2X.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseMarriott6×
- Dining4×
- Everything elseAll Purchases2×
Welcome offer
85,000 points
- Spend $5,000 in 180 days
- Est. value: $723 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- No statement credits listed for this card
Benefits
- Gold Status$75/yr
Get Marriott Bonvoy Gold venefits like 25% bonus on points, late check-out, upgrades, enhanced internet, and a welcome gift.
- Free Night$300/yr
Free night to be used at Marriott properties with redemption levels of 50,000 points or less.
- Earn a Free Night$300/yr
Earn (1) Free Night after spending $15,000 in a calendar year. Free night to be used at Marriott properties with a redemption level of 50,000 or less.
- Free Night (Earned)$300/yr
Free night earned after spending $15,000 in a calendar year. To be used at Marriott properties with redemption levels of 50,000 points or less.
- Elite Credits$75/yr
Each calendar year you can receive 15 Elite Night Credits towards the next level of Marriott Elite status.
- Bonus Points
Earn 1,000 Marriott Bonvoy bonus points per paid eligible stay booked directly with Marriott Bonvoy for properties participating in Marriott Bonvoy.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $250 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.