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Marriott Bonvoy American Express Card

Last updated: April 13, 2021
  • 65,000 Marriott Bonvoy points
  • $519 First-year value
Best offer available via a referral link
Signup bonus:
65,000 Marriott Bonvoy points upon spending $3,000 in the first three months
Annual fee:
$120, offset by $120 statement credit upon spending $10,000 in the first year
Earning rate:
5 Marriott points per dollar spent at Marriott hotels
2 Marriott points per dollar spent on all other purchases
Referral bonus:
10,000 Marriott Bonvoy points per referral, up to a maximum of 150,000 Marriott Bonvoy points per calendar year
Perks & benefits:
15 elite qualifying nights
Anniversary Free Night Award worth up to 35,000 Bonvoy points
Insurance:
Good

Bonuses & Fees

The Marriott Bonvoy American Express Card offers 65,000 Marriott Bonvoy points as a signup bonus upon spending $3,000 in the first three months, when you sign up through a referral link.

The card has an annual fee of $120, although you can earn a $120 statement credit to offset against the fee if you spend $10,000 on the card in the first year.

Upon meeting the $3,000 minimum spending, you’ll have earned at least 71,000 Bonvoy points (taking into account the 6,000 points earned on your spending). To give you an idea of what 71,000 points within the Marriott Bonvoy program can get you:

  • Redeem 70,000 points for a free night at a Category 8 hotel at the off-peak rate (retail cost: $2,000+)
  • Redeem 70,000 Marriott points for two free nights at a Category 5 hotel (retail cost: $600–700)

  • Redeem 70,000 Marriott points for five free nights at a Category 3 hotel (retail cost: $700+)

  • Redeem 70,000 Marriott points for 17 free nights at a Category 1 hotel (retail cost: $1,700+)

  • Transfer 60,000 points to any of 40 airline transfer partners, netting 25,000 airline miles, and redeem for flights (retail cost: $500+)

Those are just a few examples that come to mind, and you could also mix and match the options that best suit your needs.

The point is, the ultimate value of the Marriott program derives from its flexibility, and as a result of that, it’s almost difficult not to get multiple times’ return on your $120 annual fee when signing up for this card.

Finally, supplementary cards are free; as with all American Express cards, you’re allowed up to nine supplementary cards per card account.

Earning Rewards

In terms of the return on everyday spending, you’ll earn 5 Bonvoy points per dollar spent at all Marriott hotels, including room charges, food and beverages, and incidentals. You’ll earn 2 Bonvoy points per dollar spent on all other purchases.

While this card used to be one of the most powerful cards in Canada for daily spending, nowadays the value proposition has decreased.

Earning 2 Marriott points on your purchases is fine if you’re primarily looking to use your Marriott points on hotel stays; however, if you’re interested in transferring to airlines like Aeroplan or Alaska Mileage Plan, then it’d be a better idea to put the charges on the American Express Platinum Card or the MBNA Alaska Airlines Mastercard.

Perks & Benefits

The Marriott Bonvoy cards also offer unique benefits to make your stays at Marriott hotels more memorable. Cardholders are rewarded with 15 elite qualifying nights, which gives you instant Silver Elite status, and can go a long way towards earning higher-tier status levels.

Moreover, cardholders can also enjoy an anniversary Free Night Award worth up to 35,000 points on every card anniversary date, which, if redeemed wisely, can easily outweigh the card’s $120 annual fee.

Insurance Coverage

The insurance provided by the Amex Bonvoy Card is decently far-reaching, and includes coverage such as:

  • Travel accident insurance, up to $500,000, for you, your spouse, and any dependent children under 23

  • Baggage delay insurance, up to $1,000 (aggregate total with Flight Delay insurance), for items purchased within four days when your baggage is delayed

  • Car rental theft and damage insurance, which helps you save the daily insurance fee that most car rental companies charge

There’s a few notable omissions from the list of covered items, though. For example, there’s no emergency medical insurance, which many travellers view as a necessity.

Apply Now

This credit card does not have a minimum income requirement to be eligible.

You'll earn the best available signup bonus of 65,000 Bonvoy points if you apply using a referral link. Consider supporting Prince of Travel by applying for the card via our referral link below.