Highlights
- Earn 6x Marriott Bonvoy points on Marriott hotel purchases.
- Earn 4x Marriott Bonvoy points on the first $15,000 combined each year at grocery stores and restaurants.
- Cardmembers automatically receive Gold Elite status and 15 Elite Night Credits each year.
- After $15,000 in spending, receive a Free Night Award at up to the 50,000-point redemption level.
Issuer: Chase
Network: Visa
Card type: Credit card
Annual fee: $250
Foreign transaction fee: None
Rewards are Marriott Bonvoy points. After each billing cycle closes, Chase automatically transfers points into the linked Marriott Bonvoy account.
Welcome Offer
【September 13, 2026 update】 85,000 Marriott Bonvoy points:
- Spend at least $4,000 in eligible purchases within the first 3 months of account opening: 85,000 Marriott Bonvoy points.
- Current cardmembers, or anyone who received a new-cardmember bonus for this card in the past 24 months, are not eligible. Chase also restricts eligibility based on ownership, recent approval, and bonus history for certain Marriott Bonvoy American Express cards.
- Eligible purchases exclude balance transfers, cash advances, cash-like transactions, gambling, account checks, interest, fraudulent transactions, and fees of any kind. After you qualify, Chase says points may take up to 8 weeks to post; the account must remain open and not in default.
Apply through the referral link🔗
Everyday Spending
6x: Eligible purchases at hotels participating in Marriott Bonvoy. This is the earn rate from the card itself; hotel points from Marriott Bonvoy membership and Gold Elite status are calculated separately under Marriott’s program terms.
4x: The first $15,000 each year in combined grocery-store and restaurant spending (including takeout and eligible delivery). After that cap, those purchases earn 2x. The annual period runs from account opening through the first December statement cycle date, then by each December statement cycle thereafter.
2x: All other eligible purchases. Refunds are deducted from purchases. Balance transfers, cash advances, cash-like transactions, gambling, interest, and fees do not earn points.
Benefits & Insurance
- 1,000 bonus points per eligible stay (1K Stay Bonus)
Complete an eligible stay at a hotel participating in Marriott Bonvoy and earn up to 1,000 Marriott Bonvoy bonus points per stay. The stay must be at least one night at the same hotel on a directly booked qualifying rate paid with this card. Third-party online travel agency and tour-package bookings do not qualify, and only one room per hotel counts.
- Annual Free Night Award (Free Night Award)
After $15,000 in purchases each calendar year, receive one Free Night Award for a one-night stay at up to the 50,000-point redemption level. The award usually posts automatically within up to 12 weeks after you qualify, is valid for 12 months, and cannot be transferred, extended, or redeemed back for points. Resort fees, parking, and other incidentals remain the cardmember’s responsibility.
- 15 Elite Night Credits each year (15 Elite Night Credits)
The primary cardmember receives 15 Elite Night Credits each year when the account is open, not in default, and linked to an active Marriott Bonvoy account. Across eligible personal Marriott cards tied to the same member account, only the highest annual personal-card Elite Night Credit benefit applies; eligible business-card annual night credits may be earned separately.
- Automatic Gold Elite status (Automatic Gold Elite Status)
Cardmembers receive Gold Elite status automatically each calendar year. The first grant after account opening can take up to 8 weeks. To keep status granted by the card, the account must remain open and not in default.
- 12 months of complimentary DashPass (Complimentary DashPass)
From February 1, 2025 through December 31, 2027, activate DashPass for the first time with this card on DoorDash or Caviar and receive 12 months of complimentary membership. Activation requires a U.S. address, and this card must be set as the default payment method and used for eligible orders. After the free period, membership auto-renews at the then-current monthly price unless cancelled.
- $10 off DoorDash non-restaurant orders each quarter ($10 Off Quarterly on DoorDash Non-Restaurant Orders)
After DashPass is activated, each calendar quarter you can apply a $10 subtotal discount to one eligible DoorDash non-restaurant order, limited to once per person per quarter through December 31, 2027. Unused amounts expire and do not roll over. Taxes, service fees, tips, gift cards, and alcohol in some states do not qualify, and checkout must use the same card that activated DashPass.
- Visa Signature Concierge (Visa Signature Concierge Service)
Visa Signature Concierge offers 24/7 personal assistance such as restaurant reservations and event arrangements. You are responsible for the cost of any goods or services obtained through the service.
- Installment eligibility (Chase Pay Over Time)
Eligible cardmembers may be offered Chase Pay Over Time, but Chase states that eligibility is not guaranteed and depends on creditworthiness, credit limit, and account behaviour. You can try to set up a plan for completed eligible purchases of $100 or more; eligible Amazon checkout orders have a $50 threshold. Fixed fees, APR, and term lengths are shown in the terms when an offer is presented.
- Roadside Assistance
This is a pay-per-use roadside assistance service, not insurance. It is available 24/7 in the United States and Canada with no enrollment required. For a negotiated service fee, coverage can include a standard tow of up to 5 miles, tire change, battery jump-start, lockout service, fuel delivery of up to 5 gallons (fuel cost excluded), and standard winching. Services beyond the benefit and extra mileage must be paid to the provider at dispatch.
- Travel and Emergency Assistance
This is not insurance. It provides referrals and arrangements for medical and legal help while travelling, emergency transportation, lost ticket or luggage assistance, translation, and help with prescriptions or important documents. The provider can help arrange services, but you pay for any medical, transportation, legal, or other goods and services obtained. Service may be unavailable in sanctioned regions or places with inadequate infrastructure.
Travel insurance
Official insurance certificate🔗
- Auto Rental Coverage
The entire rental must be paid with this card and/or eligible rewards, and the rental company’s CDW/LDW must be declined. Coverage lasts up to 31 consecutive days. For collision or theft, reimbursement is up to $60,000, including eligible loss-of-use charges, administrative fees, and towing. Coverage is usually secondary in the United States (and can be primary when no other insurance applies) and primary outside the United States where available. Report an accident or theft within 100 days and submit documents within 365 days. Bodily injury, third-party liability, personal belongings, off-road damage, and many specialty vehicles are not covered.
- Baggage Delay Insurance
When checked baggage is delayed or misdirected by a common carrier for more than 6 hours, essential personal items may be reimbursed up to $100 per day for up to 5 days. All or part of the common-carrier fare must be paid with this card and/or eligible rewards, and coverage is secondary. Report the delay to the carrier, then file a claim within 20 days of the delay and submit documents within 90 days. Jewelry, watches, cameras and other electronics, money and documents, and recreational equipment are among the exclusions.
- Lost Luggage Reimbursement
When a common carrier causes checked or carry-on baggage to be lost, damaged, or stolen, coverage pays the actual-cash-value difference after carrier reimbursement, up to $3,000 per covered traveller per trip, with $500 sublimits each for jewelry/watches and cameras/electronics. New York residents are further limited to $2,000 per bag and $10,000 combined for all covered travellers per trip. All or part of the fare must be paid with this card and/or eligible rewards. Report the loss to the carrier first, then file a claim within 20 days and submit documents within 90 days.
- Travel Accident Insurance
All or part of the common-carrier fare must be paid with this card and/or eligible rewards. Twenty-four-hour travel accident coverage is up to $100,000, and common-carrier accident coverage is up to $500,000. Trips are covered for up to 30 days, and the loss must occur within one year of the accident. Notify within 20 days of the accident or loss and submit documents within 90 days. Illness, intentional self-injury, and declared or undeclared war are among the exclusions.
- Trip Delay Reimbursement
When a common carrier is delayed more than 12 hours, or an overnight stay is required, because of equipment failure, severe weather, a strike, or hijacking, reasonable meals, lodging, toiletries, and medication may be reimbursed up to $500 per covered traveller per trip. All or part of the fare must be paid with this card and/or eligible rewards, and coverage is secondary. File a claim within 60 days of the delay and submit documents within 100 days.
Shopping insurance
- Extended Warranty Protection
Eligible items with an original U.S. manufacturer repair warranty of 3 years or less may receive one additional year of coverage, for a combined maximum of 4 years. All or part of the item must be paid with this card and/or eligible rewards. Payment is the lower of the repair cost, like-kind replacement cost, the amount actually charged to the card or rewards, and $10,000 per item, with a $50,000 per-account maximum. File a claim within 90 days of product failure and submit documents within 120 days. Vehicles, items bought for resale or business use, rentals, software, medical equipment, and used goods are among the exclusions.
- Purchase Protection
New eligible purchases (including gifts) are covered against theft, damage, or involuntary accidental parting for 120 days from purchase (90 days for New York residents) when all or part is paid with this card and/or eligible rewards. Payment is the lower of the repair cost, like-kind replacement cost, the amount actually charged to the card or rewards, and $500 per item, with a $50,000 per-account maximum, and coverage is secondary. File a claim within 90 days of the loss and submit documents within 120 days. Animals and plants, collectibles, vehicles, software, rentals, and used goods are among the exclusions.
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