"What is the Marriott Bonvoy American Express Card?"

"The Marriott Bonvoy American Express Card is Canada's entry-level Marriott co-branded card. It earns Marriott Bonvoy points and includes hotel-loyalty benefits for Canadians who stay at Marriott properties."

"Does the Marriott Bonvoy American Express Card have an annual free night?"

"Yes. The card includes an annual free night certificate on renewal. The certificate value and eligible redemption cap can change, so verify the current terms at American Express Canada."

"Who should get this card?"

"It is best for Canadians who stay at Marriott, Westin, Sheraton, or other Bonvoy brands several times per year and can use the free night certificate to offset the fee."

"Is the Marriott Bonvoy Amex better than the Amex Gold Rewards Card?"

"Not for everyone. The Gold Rewards Card is more flexible because MR points transfer to multiple airline and hotel partners. The Marriott Bonvoy Amex is better if you specifically want Marriott hotel value."

Marriott Bonvoy American Express Card Review 2026: Is It Worth It in Canada?

The Marriott Bonvoy American Express Card is Canada’’s entry-level Marriott co-branded credit card. It is built for Canadians who stay with Marriott brands often enough to use the annual free night certificate and who want to accumulate Marriott Bonvoy points instead of flexible Membership Rewards points.

Quick Verdict

Best for: Marriott loyalists who can use the annual free night certificate and value automatic hotel status.
Not ideal for: Canadians who want flexible travel points or do not stay at Marriott properties often enough to justify the annual fee.

Key Card Details

Feature	Detail
Annual fee	$120
Additional cardholder fee	$50
Purchase interest rate	20.99%
Cash advance rate	22.99%
Foreign transaction fee	2.5%
Income requirement	None listed
Network	American Express
Welcome bonus	Verify current offer at americanexpress.ca

Terms subject to change. Verify current earn rates, annual fee, and welcome bonus at americanexpress.ca.

Earn Rates

Category	Earn Rate
Marriott Bonvoy hotels	Verify at americanexpress.ca
All other eligible purchases	Verify at americanexpress.ca

The value of the card usually comes from the annual free night certificate, hotel status, and Marriott redemption value rather than a simple cash-equivalent earn calculation.

Card Benefits

Annual free night certificate on renewal
Marriott Bonvoy Silver Elite status
Marriott Bonvoy points on eligible purchases
Amex purchase protection and extended warranty
Travel insurance benefits on eligible purchases

Who Is It Best For?

This card works best for Canadians who stay at Marriott properties a few times each year and can use the annual certificate for a hotel night that would otherwise cost more than the fee.

Alternatives

Bottom Line

The Marriott Bonvoy American Express Card is worth considering if you are already loyal to Marriott. If you want more flexibility and broader transfer options, the Amex Gold Rewards Card is usually the stronger all-around option.