Earn Rates
💡 Earns 5x on Marriott purchases specifically. 2x on everything else. Travel column uses 2x general rate.
Welcome Bonus
Smart Bonus Strategy — Earn 76,002 points
See spend breakdown below
Minimum spend bonus
Spend $3,000 in 6 months
60,000 pts × 0.9¢+$540Minimum spend bonus
Spend $1 in 13 months
optimal stop10,000 pts × 0.9¢+$90Min. spend earnings6,002 pts × 0.9¢+$54
Annual benefits (yr 1 + yr 2)Free annual hotel night award (up to 35K pts), Silver Elite status, travel insurance+$320
Annual fee × 2 yrs-$240
Net 13-month value+$764
⚠️ This bonus takes 13 months to fully earn — not all value is received in year 1. The total shown includes the full bonus across the entire earning period.
Annual Rewards Calculator
Based on average spending, you could earn
$490
conservative est.·up to $1,100 optimistic
Compare to Similar Cards
MBNA Smart Cash World Mastercard
Cash Back1.0¢ exact
$39 annual fee
you could earn$438
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