Chase
On $1,000 a month of spending, split evenly across restaurants, travel, groceries and everything else: not on this spending.
36,000 points a year at 0.56¢ = $202, minus the $250 annual fee = -$48 a year.
That is a worked example, not a figure about you — we have no idea what you spend. Put your own numbers in and the same arithmetic runs on those.
| On | Rate | Cap |
|---|---|---|
| Restaurants and takeaway | 4× Marriott Bonvoy | $15,000 a year, then 2× |
| Flights, hotels and transport | 2× Marriott Bonvoy | none |
| Groceries | 4× Marriott Bonvoy | $15,000 a year, then 2× |
| Everything else | 2× Marriott Bonvoy | none |
6x at Marriott hotels, 4x on the first $15,000 a year of combined dining and grocery, 2x elsewhere.
Marriott Bonvoy points are worth about 0.56 cents each on our published table, our own. What Marriott Bonvoy points are worth →
Credits count for $0 in the sum above — what a typical holder actually redeems, not the sticker value of every credit on the page. Welcome offer and credits not yet read from the issuer's page, so none are counted; added 2026-09-18 for its earn rates only. Travel is priced at the card's general travel rate, not its own-brand rate.
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We may earn a commission if you apply through us, and it does not change the arithmetic above — a card that pays us nothing is scored identically. How we make money. Card terms as of 2026-09-18; check the issuer's page before applying.