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
Groceries
3x
Where it wins:
Stated credits ($100/yr) cover the $95 annual fee on their own — rewards earn on top.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
6X 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 elseMarriott6×
- Groceries3×
- Everything elseAll Purchases2×
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Airline Statement Credit$100/yr
Special Offer through 6/30/2027: Get up to $100 in statement credits on eligible airline purchases ($50 semi-annually).
Benefits
- Airline Statement Credit$100/yr
Special Offer through 6/30/2027: Get up to $100 in statement credits on eligible airline purchases ($50 semi-annually).
- Annual Free Night Award
Receive one Free Night Award every year after your account anniversary, valid for a one-night stay at a property with a redemption level up to 35,000 points.
- Marriott Bonvoy Silver Elite Status
Receive automatic Silver Elite Status each calendar year as a cardmember.
- 15 Elite Night Credits$15/yr
Receive 15 Elite Night Credits each calendar year towards the next level of Marriott Bonvoy® Elite Status.
- Earn Elite Night Credits with Spend
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- Path to Gold Status
Spend $35,000 on purchases each calendar year to earn Gold Status.
- No foreign transaction fees
- Complimentary DashPass Membership
Get one year of complimentary DashPass for DoorDash and Caviar. Activate by Dec 31, 2027.
- Quarterly DoorDash Credit$10/yr
DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Visa Signature® Concierge Service
Complimentary 24-hour concierge service.
- Baggage Delay Insurance
Reimburses you for essential purchases like toiletries and clothing when your baggage is delayed over 6 hours.
- Lost Luggage Reimbursement
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 covered traveler.
- Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Refer-a-Friend Bonus
Earn 40,000 bonus points for each friend that gets approved for any Marriott Bonvoy® Credit Card.
Insurance cover and point awards list by name only. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so they stay out of the totals.
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 $95 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.