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Card Economics
- Annual Fee
- $250
- Ongoing Annual Value
- $216
- First-Year Value Estimate
- $305
- Net Value
- −$34
Card type: PersonalForeign transaction fee: NoneCurrency: Marriott Bonvoy
Earning Structure
6XMarriott purchases4.4%
4XDining (combined $15K/yr with Grocery)2.9%
4XGrocery Stores (combined $15K/yr with Dining)2.9%
2XAll other purchases1.5%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?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: Gold
- Marriott Bonvoy: 15 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 traveler for delays over 12 hours or requiring overnight stay
- Lost Luggage — up to $3,000 — Up to $3,000 per traveler for lost, damaged, or stolen luggage
- Baggage Delay — up to $500 — Up to $100/day for 5 days for essentials when baggage delayed 6+ hours
- Purchase Protection — up to $500 — 120 days coverage for damage/theft, up to $500 per item
- Extended Warranty — Extends manufacturer's warranty by 1 year (max 3 years original, up to 4 years total)
- Auto Rental Collision Damage Waiver (secondary) — Secondary coverage for collision/theft on rental vehicles
- Roadside Assistance — up to $50 — Up to $50 per incident, 4 times per year
Other Perks
- 50K Free Night Award after $15K annual spend
- 1,000 bonus points per eligible stay at Marriott
- Complimentary DoorDash DashPass for 12 months (activate by 12/31/2027)
- Complimentary Instacart+ membership for 3 months (activate by 12/31/27)
