Marriott Bonvoy American Express
Niche cardWhat the roles mean
- Marriott stays: a free night every year (worth up to 35,000 points) and 5 Bonvoy points per $1 at Marriott hotels
Up to 70,000 Marriott Bonvoy points — tiered over ~13 months.
Checked on Amex's own page October 21, 2026. See Amex's page
What it earns in a year
67,200 points a year
Worth about $350 after the $120 fee at the simplest redemption, up to $821 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Travel: 5× points.
- Everything else: 2× points.
Highlighted = use this card here.
Using your points
On the spending above, 67,200 points a year: worth $470 the easy way, $941 the best way.
- Easy way (0.7¢): A cheap award night, or moving points to an airline (avoid that)
- Best way (1.4¢): A 5-night award stay, where the 5th night is free, at a hotel with high cash rates
How to apply for the Marriott Bonvoy American Express
Check first
- Bonus once per lifetime: you can't get it if you've ever had this card
- Check you qualify No minimum income listed. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on Amex's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on Amex's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Marriott hotels: pay on this card for 5 points per $1, on top of what you earn as a Bonvoy member
- Free night: use it each anniversary at a hotel costing up to 35,000 points; add up to 15,000 of your own points for a 50,000-point hotel
- Everything else: 2 points per $1. Bonvoy points are worth less than most other points, so a category card often pays more
- Redeeming: use points for hotel nights. Airline transfers are 3 Bonvoy points to 1 mile
- Example: $800/month groceries + $250 gas + $250 dining + $300 bills = 38,400 Bonvoy points a year, plus the free night
Key facts
- Annual fee
- $120
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- None published
- Min. household income
- None published
- Rewards
- Marriott BonvoySee every Marriott Bonvoy card
Annual fee waiver
- None
From americanexpress.com/en-ca Marriott Bonvoy Card page, checked October 17, 2026. Not an affiliate link.
More Amex cards
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $689 a year after both fees, vs $350 with this card alone
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- Free night every anniversary, worth up to 35,000 points (top up to 50,000)
- Silver Elite status while you hold the card, plus 15 elite night credits a year
- Gold Elite after $30,000 of card spending in a calendar year
- 5 points per $1 at Marriott, 2 points per $1 on everything else, no caps
- Year one: up to 70,000 points: 60,000 after $3,000 in 3 months + 10,000 after $500 in month 13
- Free additional cards
Cons
- $120 a year, including year one
- Bonvoy points are worth about 1¢ each, so 2 points per $1 is about 2% back
- Amex: not accepted at Costco (Mastercard only) and turned away at some stores; carry a Visa or Mastercard
- No travel medical or trip cancellation insurance
- No lounge access
- 2.5% on foreign-currency purchases
- The last 10,000 bonus points need you to keep the card into year two
- No welcome offer if you have held this card before
Insurance included
- Flight delay: $500, after 4 hours
- Delayed bags: $500, after 6 hours
- Lost bags: $500
- Hotel burglary: $500
- Travel accident: $500,000
- Rental car damage: up to 48 days, cars up to $85,000
- Purchases: 90 days of theft/damage cover (up to $1,000), +1 year warranty
- Travel medical and trip cancellation: none
Maximums as Amex lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Free night: every anniversary, up to 35,000 points
- Marriott status: Silver Elite automatically; Gold Elite at $30,000 a year of spending
- Elite night credits: 15 a year toward higher status
- Amex Offers: targeted statement credits, added in the Amex app
Other cards for travel
Back a year on $2,400 of travel, caps included. Points at best-case value. Before annual fees.
| Card | Earns on travel | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Marriott Bonvoy American Express | 5× points≈ 7.0% in value | $168 | $120 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 3× points≈ 6.0% in value | $144 | $499 | October 21, 2026 |
| Amex Aeroplan Reserve | 3× points≈ 6.0% in value | $144 | $599 | October 21, 2026 |
| Scotiabank Scene+ Visa | 4× points | $96 | $0 | November 2, 2026 |
| Scotiabank Amex | 4× points | $96 | $0 | November 2, 2026 |
| Amex Aeroplan | 2× points≈ 4.0% in value | $96 | $120 | October 21, 2026 |
How the offer has changed
One row per check of Amex's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | Unchanged: up to 70,000 pts: 60k ($3,000 / 3 mo) + 10k ($500 in month 13); current or former Cardmembers with this Card not eligiblePage text identical to October 17, 2026 | $120, not waived | none stated |
| October 17, 2026 | Unchanged: up to 70,000 pts: 60k ($3,000 / 3 mo) + 10k ($500 in month 13); current or former Cardmembers with this Card not eligibleFirst row in this table. Free Night Award (up to 35,000 pts) and Gold Elite at $30,000 spend unchanged | $120, not waived | none stated |
General information, not financial advice. Offers change; confirm on Amex's page before you apply.