THE GOOD

MAJOR SIGNUP BONUS:

Immediately once you sign up, you are offered a bonus of 50,000 points after spending $1,000 during your first three months. This offer is unmatched by any other travel credit card available.

FREE ONE-NIGHT STAY:

The Marriott Rewards® Premier card offers multiple opportunities for you to earn a one-night free stay at a Marriott hotel. As a brand new cardholder, you get one free night at a Marriott hotel. Afterwards, there is an anniversary bonus of one free night at any category 1-5 hotel each year. So not only are you earning reward points, but the Marriott Rewards® Premier card offers complimentary one-night stays to show their appreciation of their loyal customers.

REWARDS OPPORTUNITIES EVERYWHERE:

There are endless opportunities offered by the Marriott Rewards® Premier card to earn points wherever and for whatever you purchase. From any of the Marriott locations (over 3,600), you will receive five points per dollar spent. Airline tickets, restaurants, and car rentals will earn you two points per dollar spent. Any other purchases will automatically earn one point for every dollar you spend if it doesn't land on the categories above. In addition to all that, there is no maximum limit on your point accumulation, which allows you flexibility in how you manage your rewards.

ELITE MEMBERSHIP OFFERS:

Even with all the rewards made available by the Marriott Rewards® Premier card, there are still more opportunities as an Elite member to gain more bonus points based upon your Elite status level. Every year after the anniversary of your account, 15 nights credit will be given to you as well as the opportunity to earn one night toward Elite status for every $3,000 you spend. Similar to points rewards, there is no limitation on the number of nights you can accumulate.

THE BAD

HIGH ANNUAL FEE:

Besides the specialized nature of the Marriott Rewards® card, the only other negative is the annual fee of $85, which is fairly high for a credit card. However, for the first year, the Marriott Rewards® Premier card requires no annual fee.

HIGH DEFAULT PENALTY APR:

In comparison to other travel credit cards, the Marriott Rewards® Premier card requires the highest default penalty APR of 29.99%. This can be very dangerous if you are the type to occasionally miss payment due dates, exceed your credit limit, and/or make payments that are returned unpaid.

THE DETAILS

Rates and Fees
Annual Fee $85 ($0 first year)
Cash Advance Fee $10 or 4% per cash advance
Cash Advance Rate (APR) 19.24%
Foreign Currency Transaction Fee None
Introductory Rate (APR) None
Standard Rate (APR) 15.99%* Variable
Penalty Fees
Default Penalty Rate (APR) 29.99%
Late Payment Fee Up to $15 - $35 (depending on balance)
Minimum Interest Charge None
Over-Limit Fee None
Returned Payment Fee Up to $35
Balance Transfers
Introductory Balance Transfer Rate (APR) None
Standard Balance Transfer Fee $5 or 3% per transfer
Standard Balance Transfer Rate (APR) 15.99%* Variable
Rewards
Additional Rewards for Dining 2 points per $1
Additional Rewards for Gas None
Additional Rewards for Groceries None
Additional Rewards for Shopping None
Additional Rewards for Travel 2 points per $1 and 5 points per $1 (Marriott hotels)
Bonus Points Offered (1) annual free stay; (2) 15 nights credit every year; (3) 1 night credit for every $3,000 spent
Rewards Earnings for All Purchases 1 point per $1
Sign-Up Bonus 50,000 points after spending $1,000 within first 3 months
Type of Reward Points

FEATURES

Title
  • Offers Companion Reward The airline credit card offers a companion airfare reward.

  • Additional 2:1 Rewards Categories The credit card offers 2:1 rewards or more for at least one additional purchase category - like dining, travel, gas, groceries, shopping, or other.

  • Bonus Points Offered The credit card offers bonus points you can earn throughout the year.

  • No Blackout Dates There are no blackout travel dates for your points, miles, or cash back rewards.

  • No Expiration Your rewards points, miles, or cash back rewards will never expire.

  • Sign-Up Bonus The credit card offers a sign-up bonus reward.

  • Unlimited Rewards You can accumulate an unlimited amount of points, miles, or cash back rewards with your credit card.

  • 2:1 Rewards or More The credit card offers 2 Points, 2% Cash Back, or 2 Miles or more for every dollar spent.

  • Early Boarding You receive priority boarding benefits as an owner of the credit card.

  • First Bag Free Your first checked bag is free.

  • In-Flight Spending Bonus You receive a discount or additional bonus points on all in-flight expenditures.

  • 24/7 Live Service You can speak with a live representative at any time of day about your credit card.

  • Emergency Support The credit card offers emergency support.

  • Exclusive Events You have access to exclusive events with the credit card.

  • Fraud Liability The credit card offers fraud liability protection.

  • Partner Point Transfer You can exchange your points for equal value with participating partners of the credit card, like hotels or airlines.

  • Purchase Security You will receive a refund for any item that a retailer doesn't accept as a return within a certain time period.

  • Price Protection You will be reimbursed the difference of any purchase made within a certain time period if you find a lower advertised price.

  • Book in Someone Else's Name You can use your airline rewards to book a trip in someone else's name.

  • Redeem for Airline Travel Rewards can be redeemed for airline travel.

  • Redeem for Car Rental Rewards can be redeemed for car rental.

  • Redeem for Gift Cards Rewards can be redeemed for gift cards.

  • Redeem for Hotel Rewards can be redeemed for hotel stays.

  • Redeem for Merchandise Rewards can be redeemed for merchandise.

  • Redeem for Other Rewards can be redeemed for other categories, such as magazine subscriptions or charity donations.

  • Redeem Online You can redeem your points, miles, or cash back rewards online.

  • Redeem on Other Airlines Rewards can be redeemed for airline travel on other airlines.

  • Redeem for Cash Back Rewards can be redeemed as cash back or statement credit.

  • Apply By Phone You can complete the credit card application process via phone.

  • Apply In Person You can apply for the credit card live in person.

  • Apply Online You can complete the entire credit card application process online.

  • Instant Approval You can get instant approval for the credit card.

  • Transfer from Credit Cards You can transfer a balance from another credit card.

  • Transfer from Loans You can transfer a balance from a loan to the credit card.

  • Introductory Balance Transfer Rate (APR) The credit card offers an introductory balance transfer rate (APR).

  • No Introductory Balance Transfer Fee The credit card doesn't charge a percentage fee on the new balance transferred to the card.

  • Car Rental Insurance The credit card offers car rental insurance.

  • Extended Warranty The credit card offers an extended warranty on purchases.

  • Flight Insurance The credit card offers flight insurance.

  • Lost Luggage Insurance The credit card offers lost luggage insurance.

  • Roadside Assistance The credit card offers roadside assistance.

  • Travel Insurance The credit card offers travel insurance.

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