Chase Marriott Rewards Signature

Est Annual Rewards, Net
$150
of Marriott Points
 Chase Marriott Rewards Signature Credit Card
Reward RateReward DetailsAnnual Fee & PromosAPR, variableIntro APR Promotions
0.60%
  1. Earn 1 point per $1 spent on purchases
  1. 3x points at Marriott
  2. NerdWallet only values Marriott Points at 0.6 cents, due to poor redemption options
 Fee:$0 the first year, then $30
Promo: 20,000 Marriott Points Bonus 		Min Apr: 13.24%
Default: 29.99%
Cash Adv: 19.24% 		Purchase:None
Transfer:None
Finance Charge Calculator
Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.
Finance Charge, Balance Transfer*
TypeInterest
Balance Transfer Fee, 3.0%$300
APR, 36 months$4,990
Total$5,290
* calculations assume a balance transfer of $10,000 over 3 years.

Effective Annual Rate for Balance Transfers of 15.2% includes transfer fees and APR promotions. EAR>APR because APR is compounded monthly while EAR is compounded annually.

Effective Annual Rate, Purchases
Promo EAR, months0.00%
Ongoing EAR, 36 months14.07%
Total EAR, 36 months14.07%
APR Rankings
APR 13.24% ranks # 123 out of 313 cards. Average is 13.66%.
Balance Transfer Fee 3% ranks # 46 out of 305 cards. Average is 3%.
Cash Advance APR 19.24% ranks # 24 out of 304 cards. Average is 22.19%.

Rewards Rankings
Annual Fee $30 ranks # 245 out of 322 cards. Average is $19.
Base Reward Rate 0.6% ranks # 212 out of 248 cards. Average is 0.95%.
Effective Reward Rate 0.6% ranks # 231 out of 248 cards. Average is 1.04%.
Sign-up Bonus $120 ranks # 37 out of 317 cards. Average is $35.

Rewards Type: Marriott Points
Signing Promotion
($120=20,000 points)/3 yrs 		$40
Estimated Annual Rewards
$21,600 * 0.60% 		$130
Annual Fee, 3 yr avg
 $20
Annual Rewards (Rewards less Fees) $150

NerdWallet's Review

For those who travel frequently, the Chase Marriott Rewards Signature card is a step-up from the standard rewards card, offering 2 points for every $1 spent on airline, dining, and rental car purchases, 5 points for every $1 spent at Marriott® locations and 1 point for every $1 spent on other eligible purchases. Each year, the card holder receives a free night stay certificate which can easily balance out the annual fee of $65. If you stay at Marriot hotels on a regular basis, this card offers a faster way to Elite status, offering 15 nights credit toward Elite Status every year, you will be on your way to Silver or Platinum even faster.

As this card is targeted at frequent travelers, if you travel infrequently, you may want to consider a more well-rounded rewards card including the Escape by Discover which allows you to earn double miles on every dollar you spend.

2 Responses to “Chase Marriott Rewards Signature”

  1. Merle Arnold says:
    February 23, 2010 at 1:10 pm

    What is the best card for travel in europe for charges, currency exchange and atms?

  2. stephanie says:
    February 23, 2010 at 3:07 pm

    We have an article coming out in the next few weeks discussing the best card for international travel, but in the meantime, from a currency exchange perspective, the Capital One No Hassle Miles card or Capital One Platinum Prestige are two of the few cards we have seen with no foreign currency exchange fee.
    Hope this helps!

    Update: You can read our blog post here for more information on the best cards for international travel.

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