RateBuddy Verdict
The Good
- The Annual Free Night Award at participating properties easily justifies the $120 annual fee.
- Receiving 15 Elite Night Credits annually gives a massive head start toward reaching higher elite status tiers.
- Exceptional 5X earning rate on eligible purchases at participating Marriott Bonvoy hotels.
The Trade-offs
- Does not include emergency travel medical or trip cancellation/interruption insurance.
- The base earning rate is paid in Marriott points, which may have less flexible value than standard cash back or premium bank points.
Rewards & Earnings
Groceries
2%
Dining
2%
Gas
2%
Travel
5%
Recurring Bills
2%
Base Rate
2%
Rewards Summary:
Earn 5X points on eligible Marriott purchases; 2X points on all other purchases.
Welcome Bonus Details
Earn up to 70,000 Bonus Marriott Bonvoy points. Includes an Annual Free Night Award and Silver Elite status.
Estimated Value: $500
Features & Benefits
Car Rental Collision/Loss Damage Waiver
Coverage for vehicles up to $85,000 MSRP
Extended Warranty Insurance
Buyer's Assurance extends warranty 1 year
Purchase Security Insurance
Purchase Protection for 90 days
Flight Delay Insurance
Flight delay up to $500
Baggage Delay/Loss Insurance
Baggage delay up to $500
Hotel Status Benefits
Marriott Bonvoy Silver Elite Status
Special Event Access (e.g., Front Of The Line)
Front Of The Line® access
Common Carrier Accident Insurance
Travel Accident Insurance up to $500,000
Hotel/Motel Burglary Insurance
Hotel Burglary up to $500
Insurance Coverage
Includes Flight/Baggage Delay, Hotel Burglary, Car Rental Theft/Damage, Travel Accident Insurance, and basic Shopping protections. (Does not include Travel Medical).
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 21.99% |
| Annual Fee | $120 |
| Grace Period | 21 days |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Travel Rewards
Rewards
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