François CharronPowered by Milesopedia
Best for: Travel rewards

It comes with a welcome bonus of 110,000 points. You earn 2x on groceries and 3x at restaurants. Estimated first-year value is $1,180.

Annual Fee
$150
Rewards rate
2x

Marriott Bonvoy

Welcome Bonus
Up to 110,000 points

Ends Sep 22, 2026

1st Year Value
$1,180

Pros

  • Welcome bonus of 110,000 points
  • 2x on groceries
  • 3x at restaurants
  • Estimated 1st-year value of $1,180

Cons

  • Fewer premium perks
Best for: Overall value

It comes with a welcome bonus of 60,000 points. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $1,504.

Annual Fee
$250
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
Up to 60,000 points
1st Year Value
$1,504

Pros

  • Welcome bonus of 60,000 points
  • 2x on groceries
  • Estimated 1st-year value of $1,504

Cons

  • High annual fee ($250)
Best for: Overall value

It comes with a welcome bonus of 15,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,491.

Annual Fee
$191.88

$15.99/mo

Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
Up to 15,000 points
1st Year Value
$1,491

Pros

  • Welcome bonus of 15,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,491

Cons

  • High annual fee ($191.88)