With a credit card, you can carry a balance and accrue interest if necessary. Note this is not advised by me. The points game does not work well, if you are carrying a balance and accruing interest. See #4 Let’s Get Started To Earning Free Travel.
Annual Fee -$99 with the limited time 100,000 offer, with the standard offer, the fee is waived the first year.
1. Earn 5 points for every $1 spent at over 3,800 Marriott locations, including Marriott’s luxury hotel partner, The Ritz-Carlton and since the merger, Starwood resorts too.
2. Earn 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airline, at car rental agencies, at office supply stores, and for Internet, cable and phone services purchases.
3. Earn 1 point per $1 spent on all other purchases made with your card
Pay no foreign transaction fees when you use your card on purchases made outside the United States.
After account approval and every year after account anniversary, you get 15 credits toward your next Elite membership level. In addition, you get 1 Elite credit for every $3,000 spent. Depending on your Elite level (silver, gold or platinum), you can enjoy even more advantages, including room upgrades, bonus points/miles and special discounts. You can read about Marriott Elite Status here.