It's actually stay 4 nights get the 5th free (if you use points) - but regardless it's 35k/night. You can also mix and match points and cash, but then you don't get the 5th night. I would agree that I probably wouldn't use points on FFI, we have used them occasionally at the new RI convention center if a specific date of our stay was priced high. We have both the personal and business Marriott cards - you get one free night at cat 5 or lower each year, plus automatic silver elite status. We have a Marriott associate gig so we're kind of loyalists, and in that regard the points and extra perks were worth it to us. Whether it's a better choice than some of the other branded cards...another conversation.