Our take

For a moderate annual fee, you get a business card that earns points at a rate that’s fair, if not remarkable. Of course, you have to be a somewhat frequent Marriott/SPG guest in order to take the most advantage of both the card’s rewards rate and the hotel-related perks that it offers.

Details
  • Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
  • Earn 6 points for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels.
  • Earn 4 points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping.
  • Earn 2 points for all other eligible purchases.
  • No Foreign Transaction Fees.
  • Redeem Starpoints for free nightsat over 1,300 hotels and resorts in over 100 countries with no blackout dates. Terms Apply.
  • $0 annual fee for the first 12 month, then $95.
  • Premium On-property Internet Access + Boingo Wi-Fi.
Pros
High rewards rate
No foreign transaction fees
Cons
Has interest charges
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Bonus offer
Bonus value
$2025
Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
Welcome bonus offer not available to applicants who have or have had this product.
Rewards
Hotel
6 points / $1
Gas
4 points / $1
Dining
4 points / $1
Telecom
4 points / $1
Other
2 points / $1
Rates and fees
Purchase regular apr
17.74-26.74%
variable
Cash advance apr
27.24%
variable
Regular annual fee
$95
Cash advance fee
3%
min $5
Late payment fee
up to $38
Return payment fee
$38

The card comes with an introductory free credit, earns valuable Starpoints® at a reasonable rate, and provides a few pleasant perks for SPG clients. All things considered, more than a fair value for its annual fee and a quick way to accumulate free travel.

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