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Card Economics
Annual Fee
$125
Ongoing Annual Value
$351
First-Year Value Estimate
$640
Net Value
+$226
Card type: BusinessForeign transaction fee: NoneCurrency: Marriott Bonvoy

Sign-up Bonus

75K bonus points after $6K in eligible purchases and an extra 50K bonus points after an additional $3K in eligible purchases within the first 6 months
Am I eligible?

Earning Structure

6XMarriott purchases4.4%
4XDining2.9%
4XUS Gas Stations2.9%
4XUS shipping2.9%
4XWireless services2.9%
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?
Elite Status (2)
  • Marriott Bonvoy: Gold
  • Marriott Bonvoy: 15 elite night credits per year
Protections (5)
  • Travel Accident Insurance — up to $500,000 — Up to $500,000 for death/dismemberment on common carrier
  • Baggage Insurance — Up to $1,250 for carry-on, $500 for checked luggage
  • Purchase Protection — up to $1,000 — Coverage against damage or theft for 90 days, up to $1,000 per occurrence, $50,000 per year
  • Extended Warranty — Extends warranty by up to 1 year
  • Car Rental Insurance (secondary) — up to $50,000 — Secondary coverage up to $50,000 for rental car damage or theft

Other Perks

  • Annual 35K Free Night Award after renewal (can top up to 60K with additional points)
  • 7% discount on eligible Marriott Bonvoy bookings
  • Additional 35K Free Night Award after $60K spend per calendar year