Back to Credit Cards
Card Economics
Annual Fee
$0
Ongoing Annual Value
$255
First-Year Value Estimate
$305
Net Value
+$255
Card type: PersonalForeign transaction fee: NoneCurrency: Marriott Bonvoy

Sign-up Bonus

45K points after spending $1K on eligible purchases within the first 3 months
Am I eligible?

Earning Structure

3XMarriott purchases2.2%
2XCable1.5%
2XGrocery Stores1.5%
2XInternet1.5%
2XPhone services1.5%
2XRideshare1.5%
2XSelect food delivery services1.5%
2XSelect streaming services1.5%
1XAll other purchases0.7%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Benefits

Credits & Perks (2)
  • DoorDash Grocery/Retail (non-restaurant): $10 (Quarterly)

    Quarterly credit on non-restaurant DoorDash orders with DashPass (activation required, through 12/31/27)

  • Instacart: $10 (Monthly)

    $10 Instacart credit every month with an active Instacart+ membership through December 31, 2027

Elite Status (2)
  • Marriott Bonvoy: Silver
  • Marriott Bonvoy: 5 elite night credits per year
Protections (8)
  • Travel Accident Insurance — up to $500,000 — Up to $500,000 for death/dismemberment on common carrier
  • Trip Delay — up to $500 — Up to $500 per trip for delays over 12 hours or overnight
  • Lost Luggage — up to $3,000 — Up to $3,000 per passenger for lost luggage
  • Baggage Delay — up to $500 — Up to $100/day for 5 days when baggage delayed 6+ hours
  • Purchase Protection — up to $500 — 120 days coverage for theft/damage up to $500 per claim, $50,000 per account
  • Extended Warranty — up to $10,000 — Extends manufacturer's warranty by 1 year (max 3 years original), up to $10,000 per claim, $50,000 per account
  • Auto Rental Collision Damage Waiver (secondary) — Secondary coverage for theft and collision damage on rental vehicles
  • Roadside Assistance — up to $50 — Up to $50 per incident, 4 times per year

Other Perks

  • Complimentary DoorDash DashPass for 12 months (activate by 12/31/2027)
  • Pay Yourself Back: Redeem points for statement credits on airline and Marriott purchases (up to $750/year at 12,500 points per $100)
  • Complimentary Instacart+ membership for 3 months (activate by 12/31/27)