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
3x
Travel
2x
Where it wins:
No annual fee — every dollar of rewards and credits is net value.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
3X at Marriott Bonvoy hotels
2X on all other travel
1X on all other purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseMarriott3×
- Travel2×
- Everything elseAll Purchases1×
Welcome offer
45,000 points
- Spend $1,000 in 90 days
- Est. value: $450 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Elite Night Credits$5/yr
Receive 5 Elite Night Credits every calendar year.
Benefits
- Automatic Silver Elite Status
Enjoy Automatic Silver Elite Status with Marriott Bonvoy® that renews each calendar year, with benefits like Priority Late Checkout and 10% more points on stays.
- 5 Elite Night Credits
Receive 5 Elite Night Credits every calendar year towards the next level of Marriott Bonvoy® Elite Status.
- No foreign transaction fees
- Pay Yourself Back®
Redeem Marriott Bonvoy® points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year.
- Baggage Delay Insurance
Reimburses you up to $100 a day for up to 5 days for essential purchases when baggage is delayed over 6 hours.
- Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for checked or carry-on baggage that is lost, damaged or stolen.
- Trip Delay Reimbursement
If your travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per traveler.
- Purchase Protection
Covers your new purchases for 120 days against damage or theft up to $500 per item.
- Complimentary DashPass
Get one-year complimentary DashPass for both DoorDash and Caviar, providing unlimited deliveries with $0 delivery fees on eligible orders. Must activate by Dec 31, 2027.
- Quarterly DoorDash Credit$10/yr
DashPass members get up to $10 off one non-restaurant DoorDash order each quarter through Dec 31, 2027.
- Visa Signature® Concierge Service
Get complimentary concierge service 24 hours a day.
- Refer-a-Friend Bonus
Earn 40,000 Bonus Points for each friend that gets approved for any Marriott Bonvoy® Credit Card, up to 200,000 bonus points per year.
- Chase Pay Over Time®
Break up eligible credit card purchases of $100 or more into equal monthly payments with a fixed monthly fee.
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?
Confirm net value on a no-annual-fee card.
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.
There's no annual fee — focus on whether the earn rates beat cards you already carry.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.