Marriott Bonvoy American Express Card

The Marriott Bonvoy American Express Card in Canada has a $120 annual fee and earns 5x Marriott Bonvoy points at participating Marriott hotels and 2x on everything else. It adds an annual free night award after the first anniversary and Silver Elite status, but includes no emergency medical or trip cancellation insurance.

See the card at American Express Compare with other cards

Facts last verified October 28, 2026 against the issuer's own pages. Rates and offers change; confirm with the issuer.

Marriott Bonvoy Amex at a glance

A $120 hotel card with an annual free night, Silver Elite status and 5x points at Marriott properties.

Annual fee: $120 (additional cards $0)
Purchase interest rate: 21.99%
Foreign transaction fee: Not stated on the issuer's card page
Network: American Express
Rewards program: Marriott Bonvoy
Lounge access: None included
Baggage benefit: None stated
Minimum income: No minimum income stated

Best for hotel rewards

Key benefits of the Marriott Bonvoy Amex

Annual free night award after the first anniversary
5x points at Marriott properties
Complimentary Marriott Bonvoy Silver Elite status

Current offer: Up to 70,000 Marriott Bonvoy points.

60,000 after $3,000 in 3 months, plus 10,000 after $500 in month 13. No end date shown; current or former cardmembers are not eligible.

Offer checked October 28, 2026. Offers can differ by province and can be withdrawn at any time.

How Marriott Bonvoy Amex earns and redeems rewards

Earn rates for Marriott Bonvoy American Express Card
Where you spend	Earn rate
Eligible purchases at participating Marriott Bonvoy hotelscharged directly with Marriott-owned or managed properties	5x points per $1
Everything else	2x points per $1

Marriott Bonvoy points redeem for Marriott hotel stays and other Bonvoy options. The card also gives an annual free night award for a stay worth up to 35,000 points, issued after the first card anniversary. American Express states no fixed cents-per-point value, and points-per-night rates vary by hotel.

Travel insurance included with the Marriott Bonvoy Amex

Emergency medical: No emergency medical insurance is listed.
Trip cancellation and interruption: No trip cancellation or interruption insurance is listed.
Flight delay and baggage: Flight delay of 4 hours or more and baggage delay of 6 hours or more share up to $500 per occurrence; lost or stolen baggage up to $500 per occurrence.
Conditions and exclusions: Canadian residents only. Certain costs must be charged, at least in part, to the card, and cover ends if the account is closed or not in good standing.

Card insurance is narrower than a standalone policy. Compare travel insurance for Canadians if your trip is long, you are 65 or older or you have a health condition.

Who can apply for the Marriott Bonvoy Amex

Canadian resident with a Canadian credit file
Age of majority in your province or territory
Subject to credit approval

Advantages and drawbacks

Advantages

A modest $120 fee with an annual free night worth up to 35,000 points
5x at Marriott properties and 2x on everything else
Automatic Silver Elite status and 15 Elite Night Credits a year

Drawbacks

No emergency medical or trip cancellation and interruption insurance
Points stay inside the Marriott ecosystem rather than transferring to airlines
The free night is not issued until after the first card anniversary
The foreign transaction fee is not stated on the issuer's card page, so confirm it before you spend abroad

Marriott Bonvoy Amex compared with similar cards

Marriott Bonvoy American Express Card compared with similar travel credit cards
Card	Annual fee	Foreign fee	Rewards	Lounge
Marriott Bonvoy Amex	$120	Not confirmed	Marriott Bonvoy	None included
Amex Cobalt	$191.88	2.5%	Membership Rewards	None included
Amex Platinum	$799	2.5%	Membership Rewards	Global Lounge Collection (1,550+ lounges); Plaza Premium and Priority Pass visits become limited from 2027 unless $20,000 is spent in a year
RBC Avion Visa Infinite	$120	2.5%	Avion Rewards	None included

Marriott Bonvoy Amex FAQs

What is the annual fee on the Marriott Bonvoy Amex?

The fee is $120 a year for the primary card, and additional cards have no annual fee. The annual free night award is meant to offset it for people who stay at Marriott hotels. The card is issued by American Express Canada, and approval is subject to credit review.

How does the annual free night award work?

American Express says the award is issued after your card anniversary and is valid for one year. It covers a night at a property redeemable for up to 35,000 points, with room and taxes included but not any resort fee. Check the terms for the hotels it applies to before you rely on it.

Does this card include travel insurance?

It includes flight and baggage delay cover, lost baggage cover, rental car damage cover and travel accident cover. It does not list emergency medical or trip cancellation and interruption insurance. If you travel, plan separate medical cover.

Can I use Marriott Bonvoy points on airlines?

The card earns Marriott Bonvoy points, which are designed for Marriott stays and related options. American Express does not list airline transfer partners for this card. If you want points that move to airlines, a Membership Rewards card is the more flexible choice.

Who should consider the Marriott Bonvoy Amex?

It suits travellers who already stay at Marriott properties a few nights a year and will use the free night. It is a weaker fit if you want airline points, lounge access or medical insurance from your card. Compare the hotel value you would receive with the $120 fee.

Sources and last verified date

Facts on this page were last verified on October 28, 2026. We use the issuer's own pages first and leave out anything we cannot confirm.

TripRadr is not a lender, broker or financial adviser, and this page is general information, not financial advice. The issuer link on this page is a plain link and TripRadr earns nothing from it. See how we compare and verify cards.

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