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
Gas
4x
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
Earn 6X at Marriott Bonvoy hotels
Earn 4X at U.S. restaurants
Earn 4X at U.S. gas stations
Earn 4X on wireless telephone services purchased directly from U.S. service providers
Earn 4X on U.S. purchases for shipping
Earn 2X on all other purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseMarriott6×
- DiningU.S. Restaurants4×
- GasU.S. Gas Stations4×
- Everything elseU.S. Wireless Telephone Services4×
- Everything elseU.S. Shipping4×
- Everything elseAll Purchases2×
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- No statement credits listed for this card
Benefits
- Free Night$150/yr
Free night at Marriott hotels with a redemption level at or under 35,000 Marriott Bonvoy points.
- Free Night (w/ spend)
Earn an additional Free Night Award (redemption level at or under 35,000 Marriott Bonvoy points) after you spend $60K in a calendar year.
- Free Night #2 (earned)$150/yr
Free Night Award (redemption level at or under 35,000 Marriott Bonvoy points).
- Marriott Bonvoy Gold
Get Marriott Bonvoy Gold benefits like a 25% bonus on points, late check-out, upgrades, enhanced internet, and a welcome gift. Learn More
- 15 Elite Night Credits
Recieve 15 free elite night credits to your account each anniversity year.
- Room Rate Discount
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels which participate in the Marriott Bonvoy program when you book directly.
- ShopRunner
Free membership to ShopRunner. Free two-day shipping, free return shipping, special deals and discounts at select retailers.
- Amex Concert Benefits
Access to presales for advance ticket purchases and special preferred seating through Ticketmaster.
- Auto Purchasing Program
Find TrueCar certified dealerships that allow you to purchase vehicles with your card and get special discounts and other perks.
- Amex Offers
Promotions and discounts offered exclusively to card holders.
- Amex Travel
Online travel portal that allows you to book various forms of travel including: flights, hotels, rental cars, cruises, and vacation packages.
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 $125 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.