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Mr. Loonie
Marriott Bonvoy™ American Express® Card

Marriott Bonvoy™ American Express® Card

7.7
Good
Expert Score · 13 reviews How we score

Best for: People who stay at Marriott hotels and want points toward free nights

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$900
Every year after
$420

Ranked #36 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$480
All of year one’s offer. Up to 70,000 Bonvoy points.
Annual fee
$120 a year
Apply now on American Express’ site (opens in a new tab)
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from American Express’ site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
2 quick questions

Is it for me?

Do you spend $250 or more a month on hotels?

Do you pay your card off in full most months?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 5 points per $1 on hotels At our value for these points, that’s about 4% back.
  • Good: Welcome offer up to 70,000 Bonvoy points About $560 at our value for these points.

Watch for

  • Watch for: $120 a year You need about $250 a month on hotels to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

Bonvoy points valued at 0.8¢ each.

  • Groceries $154
    2 points per $1 · 1.6% back $800 a month · 19,200 Bonvoy points a year
  • Restaurants $48
    2 points per $1 · 1.6% back $250 a month · 6,000 Bonvoy points a year
  • Gas $48
    2 points per $1 · 1.6% back $250 a month · 6,000 Bonvoy points a year
  • Recurring bills $48
    2 points per $1 · 1.6% back $250 a month · 6,000 Bonvoy points a year
  • Travel $29
    2 points per $1 · 1.6% back $150 a month · 3,600 Bonvoy points a year
  • Everything else $125
    2 points per $1 · 1.6% back $650 a month · 15,600 Bonvoy points a year
  • Foreign currency $29
    2 points per $1 · 1.6% back $150 a month · 3,600 Bonvoy points a year
For you Year one Later years
Points you earn60,000 Bonvoy points a year, at 0.8¢ each $480 $480
Welcome offer60,000 Bonvoy points you’d reach $480 $0
Annual fee −$120 −$120
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Total $900 $420

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Hotels
5 points per $1 in eligible Card purchases at participating Marriott Bonvoy properties
Everything else (base rate)
2 points per $1
  • Receive an Annual Free Night Award after your anniversary each year
  • Receive a 15,000 point bonus from the Marriott Bonvoy program when you transfer 60,000 points to a frequent flyer program
How Bonvoy points work, and why 0.8¢

We count Bonvoy points at 0.8¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.1¢ to 1¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    60,000 Bonvoy points · about $480

    Spend $3,000 in your first 3 months.

    You’d reach it in month 2.

    • On purchases within the first 3 months
    • Earn 10000 points after you spend $500 on your card in month 13
  2. 2

    10,000 Bonvoy points · about $80

    Keep the card for a year.

    • spend $500 on your card; in month 13

Offer end date not published.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

7.7
Good
Expert Score How we score
  • Frugal Flyer (opens in a new tab) May 2026

    “The American Express Marriott Bonvoy card is the quintessential hotel credit card for every Canadian to have in their wallet. With a strong welcome bonus, coupled with a low annual fee, an annual free night certificate, and 15 elite qualifying night credits to work towards status, this card is absolutely one you will want to keep in your wallet for years to come.”

  • PointsWise (opens in a new tab) Nov 2024

    “If you’re a Canadian traveller looking for a credit card that offers flexibility, exceptional value, and hotel benefits, the Marriott Bonvoy American Express Card is a standout option. With a 50,000-point welcome bonus, an annual free night award, and access to Marriott’s 7,000+ properties worldwide, this card can transform your everyday spending into unforgettable travel experiences. The $120 annual fee is easily justified by the value it delivers. From elite status boosts to comprehensive travel insurance, the card is packed with features that frequent and occasional travellers alike will appreciate. Whether you’re booking luxury stays, redeeming points for flights, or planning your next adventure, the Marriott Bonvoy Card opens up endless possibilities.”

  • Money.ca (opens in a new tab) Aug 2023
    10

    “Frequent travellers—particularly those who already purchase in the Marriott Bonvoy® brand family—need this card. The sign-up bonus and benefits are outstanding and easy to redeem, and it’s clear that the more you use it, the better your travel will be. The free annual night reward sweetens the pot even for those without a packed travel roster, so at the very least, The Marriott Bonvoy® American Express®* Card should be on the shortlist as one of the cards in your wallet.”

  • Rewards Canada (opens in a new tab) Mar 2023

    “There's a reason why the this card has been one of the best travel rewards credit cards in Canada for years on end. It has the potential to give the cardholder huge outsized value for each dollar spent on it. Plus hotel programs are often overlooked in Canada and they can be the ideal type of reward program for single travellers and families alike. Think about - how much spending would you have to put on a credit card to get business class tickets for a family of four versus how much spending you need to get a luxurious hotel room for a week for four people? And would you rather have 7-14 hours of luxury or 7 days of luxury? Ideally you'd want both but for many Canadians that just not feasible. Ultimately what you have with this card is a lot of travel options with great benefits and great value for every dollar you spend on the card. That's why Rewards Canada family has the Marriott Bonvoy™ American Express®* Card in our wallets and use it for our Marriott purchases and any of our non category bonus spending!”

  • One Mile at a Time (opens in a new tab) Sep 2022
    7

    “While this has been a frustrating merger, Marriott Bonvoy points are still worth collecting, pretty much regardless of your travel aspirations. The program offers good flexibility with a range of hotel and airline redemptions, and the Canadian cards actually offer a decent return for spending, even on everyday purchases.”

  • SAVVY New Canadians (opens in a new tab) Sep 2022
    8.6

    “If you travel frequently and stay at Marriott Bonvoy hotels, this card may be for you. Since it is an official Marriott co-branded credit card, this is the fastest way to earn Marriott Bonvoy points. You’ll be earning 5 points for every $1 spent with the card, which is quite high compared to other credit cards. You are also quickly upgraded to Gold Elite status, allowing you to get free hotel nights. The low annual fee for this Marriott credit card is worth it if you are a frequent traveler and loyal Marriott Bonvoy customer. It is one of the best credit cards for travel.”

What cardholders say

Ratings from people with this card

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Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Receive complimentary Marriott Bonvoy Silver Elite status
  • Receive 15 Elite Night Credits each calendar year that 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 charged to the Card each year
  • Flight Delay Insurance
  • Baggage Delay Insurance
  • Lost or Stolen Baggage Insurance
  • Hotel/Motel Burglary Insurance
  • American Express Invites
  • Emergency Card Replacement
  • Mobile wallets Apple Pay, Google Pay, Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read American Express’ insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage and mobile device.

Fees and interest

What it costs

Annual fee
$120 a year
Purchase interest
21.99%
Cash advance interest
21.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
None
Cash advance fee
$2.75
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $900 year one, $420 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Marriott Bonvoy™ American Express® Card?

$120 a year.

How much is the Marriott Bonvoy™ American Express® Card welcome offer worth?

Up to 70,000 Bonvoy points, about $560. You get it in 2 steps: 60,000 Bonvoy points after you spend $3,000 in the first 3 months; 10,000 Bonvoy points on your first card anniversary.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

21.99% on purchases. Cash advances are 21.99%.

Does it include insurance?

It lists extended warranty, purchase protection, flight delay insurance and baggage delay insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$900
year one for you
Apply now on American Express’ site (opens in a new tab)
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