Marriott Bonvoy American Express® Card

9/10

Interest Rate

19.99%

Annual Fee

$120

Balance Transfer

N/A

Network

AMEX

Earn 70,000 Welcome Bonus points after you charge $1,500 in net purchases

  • Earn 70,000 Welcome Bonus points after you charge $1,500 in net purchases to your Card in your first 3 months
  • Earn 5 points for every $1 in eligible Card purchases at properties participating in Marriott Bonvoy
  • Enjoy an Annual Free Night Award
  • Receive complimentary Marriott Bonvoy Silver Elite status

  • Get up to C$500 in coverage on Flight and Baggage Delay Insurance, with an additional C$500 for Hotel Burglary Insurance.
  • Shop big, pay small with the American Express Installment Program that lets you choose a portion of your statement balance and pay in monthly installments.

Card Best Suited For

To get approved for this card, you need to be a permanent Canadian resident of legal age, living in your territory or province of residence. An outstanding feature of this card is that there’s no minimum income required to sign up. You can get your card membership with whatever your personal or household annual earnings are. However, the recommended credit score is 725+.

If you’re an avid traveler and like to stay at luxurious hotels, this card will fit the bill perfectly. Your card membership offers generous point redemption options and includes an Annual Free Night Award on your card’s anniversary. You can redeem this Award for a one-night stay at more than 7,000 eligible hotels worldwide. Insurance-wise, if you book your trip or flight with Marriott Bonvoy American Express Card, you’ll receive up to C$500 in baggage and flight delay insurance, C$500 hotel burglary insurance, up to C$500,000 travel accident insurance, and more.

This card is also a good solution for people who use car rental services. When combined with travel, it’s really a win-win option. With the Car Rental Theft and Damage Insurance, you can be covered for up to C$85,000 for 48 days of rentals.

Reward Type

This Marriot Bonvoy card has a generous reward system for frequent travelers. Only recently, popular luxury-hotel giants Starwood Preferred Guest, Ritz-Carlton, and Marriott have merged, giving these cardholders the chance to earn extra points at more than 7,000 properties worldwide.

You can also earn five points for each dollar spent on eligible purchases charged on your Marriott Bonvoy American Express Card with participating Marriott Bonvoy properties, establishments, and online stores.

More importantly, you earn two points for each dollar spent on all other Credit Card purchases. Whether you make purchases at home or far away, the points you earn don’t expire as long as there are qualifying activities on your account. That is to say, as long as you use your credit card as a payment method.

When you reach C$30,000 in purchases charged to your credit card, you’ll earn Marriott Bonvoy Gold Elite status for at least one year. This status will remain as long as you’re eligible.

Signup/Welcome Bonus Offers

If you opt for the Marriott Bonvoy American Express Card, you can receive up to 50,000 points of the Welcome Bonus. This translates to around C$585 in cash. To qualify for this bonus, you need to charge your credit card with at least C$1,500 in net purchases within the first 90 days (three months) of your account setting date.

However, if you previously owned either this card or the Starwood Preferred Guest Credit Card from American Express Card members, you won’t be eligible for their welcome bonus.

9 Total Score
Marriott Bonvoy American Express® Card Review

PROS
  • The American Express Installment Program
  • Purchase protection
  • 24/7 customer service
CONS
  • Must be Canadian to apply
  • Not as accepted by other credit card companies
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