Ratesopedia
Best for: Travel rewards
Marriott Bonvoy Business American Express Card
5.0Ratesopedia rating

It comes with a welcome bonus of 80,000 points. You earn 2x on groceries and 3x at restaurants. Estimated first-year value is $1,067.

Best of Month
Annual Fee
$150
Rewards rate
2x

Marriott Bonvoy

Welcome Bonus
80,000 points
1st Year Value
$1,067

Pros

  • Welcome bonus of 80,000 points
  • 2x on groceries
  • 3x at restaurants
  • Estimated 1st-year value of $1,067

Cons

  • Fewer premium perks
Best for: Overall value
American Express Gold Rewards Card
5.0Ratesopedia rating

It comes with a welcome bonus of 60,000 points. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $1,411.

Best of Month
Annual Fee
$250
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
60,000 points
1st Year Value
$1,411

Pros

  • Welcome bonus of 60,000 points
  • 2x on groceries
  • Estimated 1st-year value of $1,411

Cons

  • High annual fee ($250)
Best for: Overall value
American Express Cobalt Card
4.7Ratesopedia rating

It comes with a welcome bonus of 15,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,263.

Best of Month
Annual Fee
$192
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
15,000 points
1st Year Value
$1,263

Pros

  • Welcome bonus of 15,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,263

Cons

  • High annual fee ($191.88)
Best for: Overall value
American Express Platinum Card
5.0Ratesopedia rating

It comes with a welcome bonus of 170,000 points. You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $2,560.

Best of Month
Annual Fee
$799
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
170,000 points
1st Year Value
$2,560

Pros

  • Welcome bonus of 170,000 points
  • 2x at restaurants
  • Estimated 1st-year value of $2,560

Cons

  • High annual fee ($799)

Complete Guide

Best Hotel Credit Cards in Canada

Compare Marriott Bonvoy, Hilton Honors, and other hotel-earning credit cards in Canada. Earn free nights, elite status, and complimentary upgrades.

Hotel credit cards turn your everyday spending into free nights at thousands of properties worldwide and unlock automatic elite-tier benefits like free breakfast, late checkout, and room upgrades.

Bonvoy vs Hilton vs Other

Marriott Bonvoy cards (RBC, Amex) give you access to 30+ brands across the luxury, full-service, and select-service tiers. Hilton’s Canadian footprint is smaller but redemptions are often easier. Don’t overlook Amex MR — points transfer to Marriott and Hilton at competitive ratios.

5

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data
🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

FAQ

Frequently Asked Questions

1Do hotel credit cards include free nights?

Most premium hotel cards include an annual free-night certificate good for properties at a certain category. The certificate alone often justifies the annual fee if you stay at qualifying hotels at least once a year.

2Can I earn elite status from a hotel credit card?

Yes — most hotel cards grant Silver or Gold status automatically. Higher tiers (Platinum, Titanium, Diamond) require night counts or top-tier card products that grant elite night credits per year.

Next step

Find your perfect card

Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.