Credit Cards

The Marriott Bonvoy® American Express®* Card Review

Overall Ranking

5/5

Overview

Rewards

5/5

Annual Fee

4/5

Welcome Offer

4/5

With outstanding rewards, a generous welcome bonus, and no qualifying income required, The Marriott Bonvoy® American Express®* Card stands out as one of the best rewards credit cards in Canada. Points can be easily redeemed with no blackout dates for free nights at over 7,000+ hotels, as well as for travel experiences, merchandise, gift cards, entertainment and more. You can even transfer your points to other frequent flyer programs, including Aeroplan! The incredibly flexible rewards program combined with an excellent earn rate makes this card a winner.

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  • Travel rewards
  • Welcome bonus offer
  • Travel insurance
  • Shopping coverage
  • Exclusive entertainment access

About The Marriott Bonvoy® American Express®* Card

Right off the bat, it’s important to note that this is a travel rewards card. Cardholders earn Marriott Bonvoy® points, which can be redeemed for free stays with no blackout dates at over 7,000+ of the world’s most desired hotels. You can also transfer points to frequent flyer miles with a wide selection of airlines, including Aeroplan. The potential for those who travel frequently is obvious. Plus, with a reasonable $120 annual fee, the bar isn’t too high for applicants with a good credit score.

The Marriott Bonvoy® American Express®* Card: At a Glance
Annual fee: $120Recommended credit score: Good to excellent
Annual Interest Rate: 19.99% on purchases and 21.99% on funds advancesQualifying annual income: None
Welcome bonus: New Marriott Bonvoy® American Express®* Cardmembers earn up to 75,000 Marriott Bonvoy® points. Terms and conditions apply. Offers end September 20, 2022.Rewards: Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy® and 2 points for every $1 in all other Card purchases.

Card Features & Benefits

The biggest selling feature of this credit card is the potential to earn points that can be used towards free nights at over 7,000+ of the world’s most desired hotels. Here’s the earning structure:

New Marriott Bonvoy® American Express®* Cardmembers can earn up to 75,000 points: Earn 65,000 Welcome Bonus points after you charge $1,500 in net purchases to your Card in your first 3 months of Cardmembership. Earn a total of 5 points for every $1 on eligible eats & drinks purchases in Canada for the first 3 months of Cardmembership (up to 10,000 points). Terms and conditions apply. Offers end September 20, 2022.


Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy® and 2 points for every $1 in all other Card purchases.

When you charge purchases to this card, your points can add up quickly—and exponentially when you use the card to purchase at Marriott Bonvoy®* properties.

Learn more about the Marriott Bonvoy® American Express®* Card.

How to Redeem Marriott Bonvoy® Points

Unlike some rewards programs, there isn’t a straightforward points-to-dollars equation to share. This is because, although there are no blackout dates, there are differently rated properties (hotels on a scale of 1 to 8 categories), and standard, peak, and off-peak seasons. In other words, your points are going to go further at certain times of the year and spent on certain things at certain properties. That said, it doesn’t take a calculus degree to see that Marriott Bonvoy® points have a fair value.

However, a points program is only as good as its redemption process. After all, who cares how many points you accumulate if you can’t redeem them easily? Because these points are Marriott Bonvoy® branded, redemption is a breeze. Simply go to Marriot.com and use your points when you reserve (and don’t forget to earn 5 points on the dollar by putting that reservation on your card!). You can also use points to buy travel experiences, merchandise, gift cards, tickets to events and more. Or instantly redeem points for dining out, spa experiences, drinks, and more. It’s an incredibly flexible program, allowing you to put points towards almost whatever you want.

It is worth noting that the points are also transferable to more than 40 different airline partners, so if you want to offset a flight cost, you can do that too. The transfer ratio is 3:1 for Aeroplan but it will depend on the airline. As an incentive, you’ll get an additional 15,000 points per 60,000 points transferred.

Pros and Cons of The Marriott Bonvoy® American Express®* Card

The Marriott Bonvoy® American Express®* Card comes with a super generous Welcome Bonus, many easy opportunities to earn more points and fair values on redemption. The annual free night reward every year after your first anniversary alone justifies the annual fee, and cardholders get other perks like purchase protection, special events access, and travel insurance.

But speaking of travel insurance, this package is lacking the all-important travel medical coverage. Also, while these points can be transferred to flight partners, the program is not as flexible as say, a cash-back program.

A big benefit for cardholders is the complimentary upgrade to Marriott Bonvoy Silver Elite status. This means that, when you stay at Marriott International properties, you’ll get little luxuries like 10% bonus points on stays, priority late checkout, free in-room wifi, exclusive member rates, and access to a dedicated elite reservation line.

  • Excellent welcome bonus:

  • Annual free night award

  • Earn points with every eligible card purchase

  • Complimentary upgrade to Marriott Bonvoy Silver Elite status

  • Flexibility to transfer to other frequent flyer programs

  • Includes travel insurance


  • Annual fee

  • Travel medical insurance not included

Other Perks of The Marriott Bonvoy® American Express®* Card

The Marriott Bonvoy® American Express®* Card also carries other perks of value to the frequent traveller. As a cardholder, you receive:

  • An Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary

  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining an automatic upgrade to Marriott Bonvoy Gold Elite status

  • Complimentary upgrade to Marriott Bonvoy Silver Elite status membership, which offers big benefits to cardholders

  • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card

  • Travel insurance: travel accident, car rental theft and damage, flight delay, baggage delay, lost and stolen baggage, and hotel/motel burglary insurance. Note that travel emergency medical insurance is not included, so that will be an extra expense.

  • Shopping coverage: American Express Buyer’s Assurance Protection Plan doubles the manufacturer’s warranty up to a year on many purchases, while the Purchase Protection Plan gives up to 90 days damage or theft on many retail items.

  • Exclusive entertainment access: American Express Invites and Front of the Line benefits give cardholders exclusive access to pre-sales and special events.

The Marriott Bonvoy® American Express®* Card – FAQ

Hotel CategoryOff-PeakStandardPeak
15,0007,50010,000
210,00012,50015,000
315,00017,50020,000
420,00025,00030,000
530,00035,00040,000
640,00050,00060,000
750,00060,00070,000
870,00085,000100,000

The Verdict: Is The Marriott Bonvoy® American Express®* Card Worth It?

Frequent travellers—particularly those who already purchase in 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 short-list as one of the cards in your wallet.

Learn more about the Marriott Bonvoy® American Express®* Card.

This post was not sponsored. The views and opinions expressed in this review are purely my own.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.



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