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How this card earns

  1. 3 points per dollar:
    Marriott Bonvoy
  2. 1 points per dollar:

    Everything else

Protections and other benefits

14 benefits
  • Auto Rental CoverageCovers eligible rental-car theft and collision; U.S. coverage is secondary to personal insurance.
  • Baggage Delay InsuranceCovers essential purchases when baggage is delayed over six hours, up to $100 daily for five days.
  • Roadside AssistanceDispatches roadside help; the cardholder pays the service fees.
  • Travel Accident InsuranceProvides accidental death or dismemberment coverage for eligible carrier travel paid with the card.
  • Lost Luggage ReimbursementReimburses eligible lost, stolen or damaged checked or carry-on baggage, subject to policy limits.
  • Travel and Emergency AssistanceProvides legal, medical and travel referrals; the cardholder pays for goods and services.
  • Trip Delay ReimbursementCovers eligible expenses after a carrier delay over 12 hours or an overnight stay, up to $500 per traveler.
  • Extended Warranty ProtectionAdds one year to eligible U.S. manufacturer warranties of three years or less, up to four years total.
  • Purchase ProtectionProtects eligible new purchases against damage or theft, subject to policy limits and New York restrictions.
  • Visa Signature Concierge ServiceProvides round-the-clock assistance with reservations and special occasions.
  • Zero Liability ProtectionProtects against unauthorized card charges reported to Chase.
  • Elite Night Credits15 annual Elite Night Credits. Per Marriott account, only the highest consumer-card grant and highest business-card grant apply; one of each can combine.
  • Earn Elite Night CreditsEarn one Elite Night Credit for each $3,000 in eligible purchases, with no cap.
  • Complimentary Wi-FiReceive free premium internet access while staying at participating Marriott Bonvoy hotels.

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Last checked
October 26, 2026
Foreign transaction fee
Not published
New applications
Closed (awardwallet.com)

Card terms can change. The issuer’s current terms control. Credit amounts show the most a credit is worth, not guaranteed savings. How card facts are sourced