Marriott Bonvoy® American Express®* Card

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

Welcome offer: up to 110,000 Marriott Bonvoy points

New Cardmembers can earn up to 110,000 Marriott Bonvoy® points with the current offer:

• Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
• Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

The Annual Free Night Award

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At our valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason we suggest keeping this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling. Our complete map of Marriott Bonvoy hotels by category makes those properties easy to spot, and the best all-inclusive Marriott Bonvoy resorts are often strong candidates.

15 Elite Night Credits every year

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card. If a stay never shows up in your account, our guide on how to claim a missing Marriott Bonvoy stay walks you through the request.

How much are Marriott Bonvoy points worth?

Milesopedia values Marriott Bonvoy points at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315. We review these valuations twice a year and publish them on our rewards points valuation page.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why we judge this Card on the hotel stays it produces.

How you earn points

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world. For everything the program covers, from earning to redeeming, see our guide to the Marriott Bonvoy program.

Insurance, fees and eligibility

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.