Who it's for
Free hotel nightsMore rewards dining outMore rewards at grocery stores
Strong mid-tier Marriott card — the 4x on dining + groceries is genuinely useful. Free night requires $15k spend but worth $150-$350 when unlocked. Often offers historically high welcome bonuses (recent 175k offer).
Free hotel nightsMore rewards dining outMore rewards at grocery stores
| Category | Rate | Typical spend |
|---|---|---|
| Dining | 4x | $400/mo |
| Groceries | 4x | $600/mo |
| Flights & hotels | 3.6x | $300/mo |
| Rent | 2x | $2,500/mo |
| Gas & transit | 2x | $150/mo |
| Streaming | 2x | $80/mo |
| Online shopping | 2x | $200/mo |
| Everything else | 2x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Points, 1 transfer partner
Marriott Bonvoy