75,000 Bonvoy points
Apply Now†Terms and conditions apply. The information for the Marriott Bonvoy American Express Card has been collected independently by Prince of Travel. The card details on this page have not been reviewed or provided by the card issuer.
$448
First-year value
75,000
Bonvoy points
$120
Annual fee
Based on minimum spend to earn the full welcome bonus and Prince of Travel's valuation of Bonvoy points at 0.8 cents per point.
65,000 Bonvoy points upon spending $3,000 in the first three months
10,000 Bonvoy points upon spending $500 after card anniversary
Total of up to 75,000 Bonvoy points
Marriott
Everything Else
Last updated: February 14, 2026
The Marriott Bonvoy® American Express®* Card is the go-to credit card in Canada for those who stay at Marriott hotels.
This card consistently provides excellent value for its annual fee year after year in the form of a Free Night Award upon cardholder anniversary.
Canada’s 9 Best Hotel Credit Cards
Read more| Tier | Amount | Requirement |
|---|---|---|
| Spend threshold | 65,000 Bonvoy points | $3,000 spend in 3 months |
| Year 2+ bonus | 10,000 Bonvoy points | $500 spend in 13 months Additional 10,000 points after $500 spend in month 13 |
| Total |
Welcome bonus history is for Members
See how this card’s welcome offers have evolved over time.
75,000 Bonvoy points
Apply Now†Terms and conditions apply. The information for the Marriott Bonvoy American Express Card has been collected independently by Prince of Travel. The card details on this page have not been reviewed or provided by the card issuer.
Last updated: February 14, 2026
| 75,000 Bonvoy points |
Annual Fee
$120
First Year Free
No
Additional Card
Free
The split-tier structure delivers the majority of value within six months, giving you immediate momentum toward your first award stay while keeping the card active through your anniversary. At our 0.8¢/point baseline, you're looking at roughly $880 in value – a solid mid-tier return that improves significantly if you're targeting higher-category properties or leveraging fifth-night-free on longer bookings.
The fee remains unspecified in our data, but this card historically sits in the mid-tier range and works best for travellers already in the Bonvoy ecosystem who can stack elite status benefits and Free Night Awards. If you're building toward a specific redemption at a Category 5+ property, the welcome bonus gets you most of the way there in under half a year.
| Category | Rate |
|---|---|
| Marriott | 5× |
| Everything Else | 2× |
If you stay at Marriott properties regularly, this becomes your default payment method for every hotel bill – the 5x multiplier applies to the entire charge, including taxes and incidentals that other cards exclude.
For non-Marriott spending, the 2x rate offers simplicity if you're consolidating into Bonvoy points for a specific redemption, but category-focused cards like the Cobalt will outpace it on groceries and dining.
| Partner | Ratio | Transfer Time |
|---|---|---|
| American Express Membership Rewards (Canada) | 5:6 (5 MR = 6 Bonvoy) | – |
| American Express Membership Rewards (US) | 1:1 | – |
| Chase Ultimate Rewards | 1:1 | – |
| Bilt Rewards | 1:1 | – |
Marriott's "Stay 5, Pay for 4" benefit effectively gives you 20% back on award stays, making mid-range Category 4–6 properties especially attractive when you're booking longer stays. Fairmont properties in Canada and Ritz-Carlton hotels worldwide often deliver outsized value per point.
Because Marriott Bonvoy points transfer to over 40 airline partners at a 3:1 ratio (with a 5,000-mile bonus per 60,000 transferred), you can pivot to Alaska Mileage Plan or Singapore KrisFlyer when hotel redemptions don't make sense.
Read Our Full Marriott Bonvoy Guide
Read moreSilver Elite status + 15 Elite Night Credits
General35,000-point Free Night Award annually (year 2+)
GeneralThe 15 Elite Night Credits grant automatic Silver Elite and fast-track your climb to Gold at $30,000 spend – a material advantage if you stay at Marriott properties regularly. The anniversary Free Night Award (capped at 35,000 points, or 50,000 with top-up) easily offsets the annual fee when redeemed at mid-tier or resort properties.
Silver Elite status alone unlocks late checkout and bonus points, while Gold brings complimentary breakfast and room upgrades – perks that deliver tangible value on every stay, not just redemptions.
Underwritten by Belair Insurance Company Inc. (primary underwriter); Chubb Life Insurance Company of Canada (Travel Accident)
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | Not included | – |
| Trip Cancellation | Not included | – |
| Trip Interruption | Not included | – |
| Trip Delay | $500 | 4-hour minimum, Reasonable living expenses and sundry items for flight delays of 4+ hours or denied boarding with no alternative transportation within 4 hours |
| Baggage Delay | $500 | 6-hour minimum |
| Baggage Loss | $500/person | $500 total |
| Rental Car | Included | Primary CDW/LDW, MSRP ≤ $85,000, up to 48 days |
| Travel Accident | $500,000 | – |
| Purchase Protection | $1,000/year | 90-day coverage |
| Extended Warranty | +1 year | – |
View Certificate of Insurance (PDF)
Primary rental car coverage is the standout – you bypass your own auto insurer entirely, which keeps claims off your record. The $85,000 ceiling covers most rentals you'd book in practice.
No trip cancellation, no medical, no baggage – this is skeletal coverage. Pair it with a premium Visa Infinite or Amex Platinum for actual protection, or buy standalone insurance before any meaningful trip.
110,000 Membership Rewards points
