Marriott Rewards Visa (First USA)

Pros: Easy to earn points.
Cons: Issued by First USA.

Why I applied to Marriott Rewards Visa by First USA

Having owned Discover card with the cash reward program, I found 2 things.

1) The cash reward program doesn't worth spending a lot of time in checking the card statement...

Pros: Free first year, introductory rate
Cons: Not as good as the other hotel cards and chase.

We travel a lot across the country. Most of the hotels are now between $300-$400 a night. We do not wish to rack up a huge bill. We both applied and were approved for this card. We immediately received a free category 4 voucher for joining. That is a ...

Pros: Marriott Points are of value.. Use at Fairfield Inns, Courtyard, etc.
Cons: Points don't spend as well as cash!

I've always paid my credit card bills in full each month. So years ago, I learned the value of getting a 'reward' with my card. I had a bunch of them :
GM's rebate (dumb...I never bought a new GM car), Apple (sorry it died),
Marriott,...

Pros: Marriott program quality overall
Cons: First USA craftiness

Marriott's reputation for service and tending to what they call the "back of the house" sometimes suffers with their credit card partners (the earlier First Card program had its own frustrations). First USA doesn't have a great reputation for...

Pros: World-wide selection of hotels as well as a flight miles program
Cons: Annual fee after the first year

The Marriott Rewards Visa Card is a run of the mill credit card little to no different from any other with the exception to its association with Marriott Hotel chain. It has an interest rate somewhat higher than discount rate cards so that like any...

Pros: Cheap
Cons: Short Grace Period, First USA

This card, with a $30 annual fee, after the first year, allows you to earn points for your Marriott Rewards account. This is great, but I got rid of the card, and got a Diner's Club, after finding that First USA gives you a "varying" 20-25 day...

Pros: Get Rewards
Cons: You have better cards and better customer service

The cards has $30 annual fee and once you get on your statement you won't have possibility to remove it by cancelling the card.When I called their customer service to cancel the card, they were able to convince me that I can hold on to card and can give them call after the first annual fee is put on my card.
Also, I think there are better cards available in market that doesn't have any annual fees like citi dividend etc.

Pros: Large hotel chain with several brand; lower reward levels available.
Cons: Annual fee after the first year.

While the credit card isn't all that different from other cards in its mechanics, the rewards are pretty good for the no/low annual fee. Even if you don't rack up tons of points for free nights by the time you want to travel, you can still benefit by using earned points for hotel & dining discounts. Marriott also has several hotel brands, such as Fairfield Inn and Courtyard given you a wide selection of hotels to use reward points. If you enjoy staying at Marriott, this is the card to have. The annual fee is low and there is no fee for the first year.

Pros: Marriott points. Marriott is the best in my opinion.
Cons: Fees, fees, fees, and bad customer service.

Marriott is great, but chase is awful. Online account access is cumbersome, $30 annual fee, and they kept changing my due date. It was the 1st some months and then as late as the 10th or 11th. Finally got that fixed, but their customer service is a nightmare. It just seemed as though they intentionally did this to encourage late payments so they could charge late fee as well as an exorbitant interest rate. This is definately not a card that you would ever want to carry a balance with.