Ratesopedia

Pros

  • Welcome Bonus: 70,000 points
  • Purchase protection included

Cons

  • Foreign Transaction Fee (2.5%)
  • No airport lounge access despite fee

Our Review

The Marriott Bonvoy® American Express®* Card is the best credit card for free hotel nights.

With this welcome offer, you can earn up to 70,000 Marriott Bonvoy points:

  • Earn 60,000 points after spending a total of $3,000 on your Card within your first 3 months of Cardmembership.
  • In addition, earn 10,000 points after you spend $500 on your Card in your 13th month of Cardmembership.

It’s a card we recommend you keep, because each year at renewal, you’ll get an Annual Free Night Award for up to 35,000 points, plus 15 Elite nights per year, counting towards your Marriott Bonvoy Elite status.

With this Card, you earn 5 points per dollar on all purchases at Marriott Bonvoy properties and 2 points per dollar on all other purchases.

Last but not least, this Card comes with a wide range of insurance coverages: baggage delay, baggage loss or theft, $500,000 travel accident, flight delay, hotel/motel burglary, rental car theft and damage, Purchase Security, Purchase Protection.

Like all American Express Canada Cards, there is no minimum income requirement.

Rewards

All Spending

2x

Marriott Bonvoy pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

0.90¢/ point
0.45¢2.7¢
Groceries2x
$400/month
Restaurants2x
$160/month
Gas2x
$300/month
Recurring2x
$300/month
All other spending2x
$700/month

Points Earned

44,640

Marriott Bonvoy/yr

Estimated Value

$402

After Fees

+$282

1st Year Value

$912

incl. welcome bonus

Annual rewards breakdown

Groceries$4,800/yr × 2x9,600 pts
Restaurants$1,920/yr × 2x3,840 pts
Gas$3,600/yr × 2x7,200 pts
Recurring$3,600/yr × 2x7,200 pts
All other spending$8,400/yr × 2x16,800 pts
Total annual spend$22,320
Monthly spend$1,860
Average earn rate2x
Total points earned44,640 pts

Travel Insurance

Delayed Baggage

Up to $500

Lost Baggage

Up to $500

Flight Delay

Up to $500

Hotel Burglary

Up to $500

Travel Accident

Up to $500,000

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

Auto Rental

Up to $85,000 / 48 days

Interest Rates

  • Purchase Rate
    21.99%
  • Cash Advance
    21.99%
  • Foreign Transaction Fee
    2.5%

Terms & Conditions

Card Features

Earn up to 70,000 bonus Marriott Bonvoy® points

  • New Marriott Bonvoy® American Express®* Cardmembers can earn up to 60,000 bonus Marriott Bonvoy® Points after you spend $3,000 on your Card in your first 3 months of Cardmembership
  • Plus, earn 10,000 points after you spend $500 on your Card in your 13th month of Cardmembership

Card features

  • Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®
  • Earn 2 points for every $1 in all other Card purchases
  • Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
  • No annual fee on Additional Cards.
  • Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels
  • Automatic Marriott Bonvoy Silver Elite status membership.
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.
  • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card

Apply with confidence!

  • See if you’ll be approved before you apply – with no impact to your credit score.*
  • When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
  • Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
  • A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
  • Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

FAQ

Where can I use the Marriott Bonvoy® American Express®* Card in Quebec or in Canada?

You can use your Marriott Bonvoy® American Express®* Card at grocery stores like Métro, Super C, Safeway, Whole Foods, your Couche-tard or 7Eleven convenience store, your favourite gas station like Esso, Shell, Petro-Canada or any travel provider!

How do I earn Marriott Bonvoy points with this card?

5 points per dollar at Marriott Bonvoy hotels and 2 points per dollar for other purchases.

What are the card's annual benefits?

Receive one free night award every year, worth up to 35,000 points.

Is there a charge for additional cards?

No, there is no annual fee for additional cards.

How does Elite status work with this card?

With the card, you automatically obtain Silver Elite status, with the possibility of upgrading to Gold Elite status under specific conditions.

Related Cards

Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express Canada. All trademarks are property of their respective owners.