The main issue with this card is the spend requirement to get the free night. I was OK letting my older Marriott cards linger at the back of my wallet or in the drawer and only putting minimal spend on them (typically at Marriott properties) as the annual cert was worth paying the $95 annual fee for. But I don't quite spend $15K per year at Marriott, maybe only half to 2/3 of that. So what do you get for the $250AF if you don't spend $15K?