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
Travel
2x
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 grocery stores 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×
- Travel2×
- Everything elseAll Purchases2×
Welcome offer
85,000 points
- Spend $4,000 in 90 days
- Est. value: $850 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- No statement credits listed for this card
Benefits
- Free Night Award
Receive a Free Night Award every calendar year after $15,000 in spend, valid for a one-night hotel stay at a property with a redemption level up to 50,000 points.
- 15 Elite Night Credits
Receive 15 Elite Night Credits each calendar year.
- Automatic Gold Elite Status
Automatically receive Gold Elite Status each calendar year as a cardmember.
- No Foreign Transaction Fees
Pay no foreign transaction fees on purchases made outside the United States.
- Bonus Points per Stay
Earn 1,000 Bonus Points per eligible stay at hotels participating in Marriott Bonvoy®.
- Baggage Delay Insurance
Reimburses up to $100 a day for up to 5 days for essential purchases when 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
Coverage for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler if your travel is delayed more than 12 hours.
- Purchase Protection
Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Visa Concierge Service
Complimentary Visa Signature® 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.
- Complimentary DashPass Membership
Get one-year complimentary DashPass membership for both 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.
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
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
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.
