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Gotta agree with most here.
I've been a Marriott card holder for years now. I haven't paid for a hotel room since I don't know when. The best thing about a Marriott card is that there is rarely a time when I'm unable to get a room due to a blackout. In my experience, it's a little better than airlines that do have a few more limitations.
The biggest benefit is that your points convert much better with the airlines, hotel or whatever company you use over a cash back situation. For example, I can stay five nights at a Marriott resort hotel which easily compares at $1,500-2,000 yet the points are worth less than half that if I use them for merchandise, etc.
It can certainly be a win/win if you do your research and get the card that's right for you.
One other thing: I pay my bill on time every monthand also do so on-line the day prior to the due date. That way I know it's there and never run the chance of a late fee or interest.
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If you're wringing your hands you can't roll up your shirt sleeves.
Stangers have the best candy.
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