RateBuddy Verdict
The Good
- The Annual Free Night Award is highly valuable and often worth significantly more than the $150 annual fee.
- Generous 3X earn rate on business essentials like gas, dining, and travel.
- Includes 15 Elite Night Credits annually to fast-track your way to Marriott Gold or Platinum status.
The Trade-offs
- Does not provide travel medical insurance, which is a common feature on other travel-focused Amex cards.
- Supplementary cards for employees come with a $50 annual fee each.
Rewards & Earnings
Groceries
2%
Dining
3%
Gas
3%
Travel
3%
Recurring Bills
2%
Base Rate
2%
Rewards Summary:
Earn 5X points on Marriott purchases; 3X points on gas, dining, and travel; 2X points on everything else.
Welcome Bonus Details
Earn 5X points on Marriott purchases. Includes an Annual Free Night Award and 15 Elite Night Credits.
Estimated Value: $550
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
Employee Cards
Employee Card Misuse Protection included
Insurance Coverage
Includes Flight/Baggage Delay, Hotel Burglary, Car Rental Theft/Damage, Travel Accident, Employee Card Misuse Protection ($100k), and standard shopping protections.
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 21.99% |
| Annual Fee | $150 |
| Supplementary Card Fee | $50 |
| Grace Period | 21 days |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Travel Rewards
Business
Rewards
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