I stayed at a FS Marriott recently that had the two tiers. The website where you "login" said Gold and Platinum Elites would only be charged the difference between standard ($12.95) and premier ($16.95). I picked the Premium access. Currently doing the platinum challenge, and the charge always appeared as $0 on my folio. I was even logging in on my iPad with Premium access, all $0.00 across the board. YMMV.