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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.

15 Comments
  1. Avatar
    Kaycee

    I have 2 certificated for the free night worth 35K each from 2019 & 2020 and when I contacted Marriott to convert them into points instead they said it wasn’t possible. Is this correct?

    1. Avatar
      Daniel

      Can’t convert anniversay free nights into points. Have to use them on stays unfortunately.

  2. Avatar
    Tibi

    Is the sign up bonus 60,000 or 65,000 Marriott Bonvoy points upon spending the $3,000?

    1. Josh
      Josh

      65K bonus currently. 60K is just the ideal chunk if you’re transferring the points to airlines.

  3. Avatar
    Rene Lamoureux

    Do the annual 15 elite qualifying nights count towards the lifetime elite status?
    Thanks!

    1. Josh
      Josh

      Yes they do!

  4. Avatar
    Peter

    I last got the SPG Starwood card in Feb 2019 and did no get the points because I may have churned one too many. If I apply for the Bonvoy card now, would I get the Bonvoy points?

    1. Avatar
      Jay*

      Ymmv, since you held the card in the past. The Bonvoy card is still considered the same as the former SPG card.

  5. Avatar
    Tata

    Hi i have American Express Marriott Bonvoy Card and i just got the Marriott Bonvoy points. Now after watching your youtube on the 5 best credit card for beginners. I am thinking to cancel this card and apply for American express gold reward card. My question is .. if I cancel this card, will i lose my Marriott Bonvoy points? Thank you!

    1. Josh
      Josh

      Your Bonvoy points won’t expire unless your account has no activity for 2 years.

      Instead of cancelling the card, consider keeping it for the annual free night certificate. If the hotel night would cost more than the $120 card annual fee, you’re coming out ahead. You don’t need to use the card for anything else, and you can put your spending on a different card if you prefer.

  6. Avatar
    May

    Do I click on the apply now under the picture of the card? I want you to get the referral points since you have been so helpful with all of the educational videos and articles. Also, is there any fee waiver or credit promotion?

    1. Ricky
      Ricky

      That’s the link for 51,000 points upon $3,000 spend if you want to support us. However, right now there’s also a $100 cash back offer through Great Canadian Rebates; the bonus is only 50,000 points but the spend is lower at $1,500 in the first three months. It’s up to you which offer to go for!

  7. Avatar
    Fatima

    I love watching your videos and reading your blogs! If I apply for the AMEX Business Platinum first, that will give me “Marriott Gold Status”. Can I then apply for the AMEX Marriott Bonvoy and use the 15 qualifying elite nights to get me closer to Platinum Status?

  8. Avatar
    Geoff Hunt

    Hi Ricky, first time poster but have learned a ton from both your blog and youtube videos. I have so may questions I want to throw at you, but to keep it simple, for the first post I want to verify that the public link listed above is your referral link so you get the referral bonus?Personally I can’t justify an additional $1500 spend for 1000 additional points. Especially since I won’t use this card for anything other than when I am staying at a Marriott hotel.

Ricky

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