Terms shown here may not reflect the issuer's current offer - always confirm details on their site before applying.
Annual fee$95/year
Foreign transaction feeNone
Typical approval oddsGood to excellent credit
Where it earns the most
Marriott purchases6x points
Groceries3x points
Gas3x points
Dining3x points
Everything else2x points
Category caps
Groceries + Gas + Dining (combined)$6000/yr shared cap
Signup bonus
3 free night(s) after spending $3,000 in the first 3 months.
Issuer rules that affect approval
VELOCITY LIMIT
5/24 rule
Redemption notes
Co-branded hotel card; included as a common comparison point for hotel-loyal users, niche outside that audience. Welcome offer fluctuates between 3-5 free night awards depending on promotional period - figure shown is the stable baseline.