Marriott Bonvoy™ Premier
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How we calculate effective rate →
The Marriott Bonvoy™ Premier from Chase earns up to 1.4% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1.4%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2x points.
What does the Marriott Bonvoy™ Premier earn in each category?
Dining is the strongest category at 1.4% effective value (2x points at about 0.7 cents each). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Marriott Bonvoy™ Premier compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at.
Dining is the strongest category at 1.4% effective value (2x points at about 0.7 cents each). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Marriott Bonvoy™ Premier compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 1.4% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 0.7% |
| Gas Gas stations and fuel | 1x points | 0.7% |
| Travel Flights, hotels, transit | 2x points | 1.4% |
| Other General everyday spend | 1x points | 0.7% |
Madeen values Marriott Bonvoy at about 0.7 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Marriott Bonvoy™ Premier reward caps and conditions?
The Marriott Bonvoy™ Premier has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2X Points for every $1 spent on airline tickets purchased directly with the airline
- 2X Points for every $1 spent at restaurants
Who should get the Marriott Bonvoy™ Premier?
The Marriott Bonvoy™ Premier fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points.
Marriott Bonvoy™ Premier fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 34% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x points.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.4% effective (2x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- Marriott Bonvoy value depends on how you redeem, not straight cash back.
Does the Marriott Bonvoy™ Premier have an annual fee?
The Marriott Bonvoy™ Premier has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What travel perks does the Marriott Bonvoy™ Premier include?
The Marriott Bonvoy™ Premier includes Free hotel night, Extended Warranty, Free Night Award, Lost Luggage Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Free hotel night
Your Free Night Award is valid for a one night hotel stay at a property with a redemption level up to 25,000 points.
What benefits come with the Marriott Bonvoy™ Premier?
Extended Warranty
$10,000/yrUp to 1 additional year on original manufacturer's warranty of 3 years or less.
Purchase Protection
$10,000/yrUp to $500 per eligible purchase within 120 days of the purchase date. Maximum of $50,000 per year
Trip Delay Protection
$5,000/yrUp to $5,000 per person. Applies if your trip is cancelled or cut short for a covered reason. Maximum of $10,000 per trip.
Lost Luggage Protection
$3,000/yrUp to $3,000 in coverage. Applies if you or an immediate family member check or carry on luggage that is damaged or lost by the carrier.
Free Night Award
$25/yrYour Free Night Award is valid for a one night hotel stay at a property with a redemption level up to 25,000 points.
Rental Insurance
$25/yrCoverage for damage to or theft of a rental vehicle. Must decline the collision damage waiver (CDW) at the counter. Coverage is secondary to personal insurance.
Related encyclopedia topics
Common questions about the Marriott Bonvoy™ Premier
Where do cardholders spend most with the Marriott Bonvoy™ Premier?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (2x), fast food (2x), other food and drink (2x) for the Marriott Bonvoy™ Premier. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is it worth it to get a Marriott Bonvoy credit card?
The Marriott Bonvoy™ Premier from Chase earns up to 1.4% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
How much are 42,000 Marriott points worth?
Dining is the strongest Madeen category for the Marriott Bonvoy™ Premier at about 1.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
What is the annual fee for the Marriott Bonvoy Premier credit card?
The Marriott Bonvoy™ Premier carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
How much are 50,000 bonvoy points worth?
Dining is the strongest Madeen category for the Marriott Bonvoy™ Premier at about 1.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Marriott Bonvoy™ Premier have an annual fee?
The Marriott Bonvoy™ Premier carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
How does the Marriott Bonvoy™ Premier compare to similar cards?
Compare the Marriott Bonvoy™ Premier against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Marriott Bonvoy™ Premier This card | Dining | 1.4% | $0 |
| Dining | 4.5% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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