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
3x
Overview
How this card fits in your wallet — fees, value, and who it's built for.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseMarriott6×
- Everything elseAirfare3×
- Dining3×
- Everything elseCar rentals3×
- Everything elseAll Purchases2×
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Travel$300/yr
$300 annual credit to be used on a variety of travel purchases, such as baggage fees, seat upgrades, and preferred lounge memberships or passes. Must call in to activate this credit.
- Global Entry$100/yr
Get one $100 statement credit for Global Entry or one $85 statement credit for TSA Pre-Check every 4 years.
Benefits
- Free Night$300/yr
Free night to be used at Marriott properties with redemption levels of 50,000 points or less.
- Marriott Gold$75/yr
Get Marriott Bonvoy Gold benefits like a 25% bonus on points, late check-out, upgrades, enhanced internet, and a welcome gift.
- Marriott Platinum (w/ spend)$150/yr
Get Marriott Platinum status when you spend $75,000 in a calendar year.
- Marriott Platinum$150/yr
- Club Upgrade
Receive three complimentary Club Level upgrades e-certificates. You can use your Club Level room upgrade on paid stays of up to seven nights by calling The Ritz-Carlton Reservations at 1-800-542-8680.
Transfer partners
Where this card's points can go, and at what ratio. 12 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- British Airways Avios1:1
- Iberia Plus1:1
- JetBlue TrueBlue1:1
- Singapore KrisFlyer1:1
- Southwest Rapid Rewards1:1
- United MileagePlus1:1
- Virgin Atlantic Flying Club1:1
- World of Hyatt1:1
- IHG One Rewards1:1
- Marriott Bonvoy1:1
Work out what a transfer is worth in the transfer calculator.
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 $450 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.