"What is the annual free night benefit on the Marriott Bonvoy Amex Card?"

"Each year upon card renewal, you receive a free night certificate redeemable at Marriott Bonvoy properties with a redemption level up to 35,000 points (verify the current certificate cap at americanexpress.ca). This certificate alone can easily justify the $120 annual fee — a standard Marriott property in Canada often costs $150–$250/night. The certificate is valid for 12 months from issue and can be used for one qualifying hotel night."

"What Silver Elite status comes with the Marriott Bonvoy Amex Card?"

"Cardholders receive complimentary Silver Elite status in Marriott Bonvoy, which includes a 10% points bonus on eligible hotel stays, priority late checkout (subject to availability), and dedicated member rates. Silver Elite is the entry tier — it does not include room upgrades or lounge access (those are Gold and above). For infrequent Marriott guests, Silver status plus the free night certificate are the main value drivers."

"Does the Marriott Bonvoy Amex earn points on non-Marriott spending?"

"Yes — the Marriott Bonvoy Amex Card earns Marriott Bonvoy points on all eligible purchases, not just hotel stays. Marriott properties earn at a higher rate. All other eligible purchases earn at a base rate. Points can be used for hotel stays, flights (through points transfers to frequent flyer programs), and other Marriott Bonvoy redemptions."

"Can Marriott Bonvoy points be transferred to Aeroplan?"

"Yes — Marriott Bonvoy points transfer to Aeroplan at a ratio of 3:1 (3 Bonvoy points = 1 Aeroplan mile). With a 60,000 Bonvoy transfer, Marriott provides a 15,000-point bonus (so 60,000 Bonvoy = 20,000 Aeroplan). This makes the card useful for Canadians who also collect Aeroplan, though the transfer ratio is not particularly efficient for travel hacking purposes."

"How does the Marriott Bonvoy Amex compare to the Amex Gold Rewards card?"

"The Marriott Bonvoy Amex is a co-branded hotel card best for frequent Marriott guests. The Amex Gold Rewards card earns flexible Amex Membership Rewards points transferable to Aeroplan, Avios, and other programs. For most Canadians, the Gold Rewards card is more versatile. The Marriott Bonvoy Amex makes the most sense if you stay at Marriott properties multiple times per year and value the free night certificate and Silver Elite status."

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, issued by American Express. At $120 annually, it delivers an annual free night certificate (up to 35,000 points), automatic Silver Elite status in Marriott Bonvoy, and Bonvoy points on all eligible purchases. For travellers who regularly stay at Marriott, Westin, Sheraton, W Hotels, St. Regis, or other Bonvoy brands, this card offers straightforward hotel loyalty value.

Quick Verdict

Best for: Canadians who stay at Marriott Bonvoy properties several times per year and want to earn points toward free nights, with a $120 fee offset by the annual free night certificate.
Not ideal for: Those who rarely stay at Marriott properties (the points are less valuable); anyone who prefers flexible points (the Amex Gold Rewards earns Membership Rewards, which are more versatile); business travellers or high Marriott spenders (consider the Business version for higher earn rates).

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	5x points per $1
All other eligible purchases	2x points per $1

Verify current earn rates at americanexpress.ca — rates are subject to change.

At Marriott hotels, you also earn base Marriott Bonvoy points on your stay (separate from credit card earn), plus the 10% Silver Elite bonus.

Card Benefits

Annual free night certificate — up to 35,000 Bonvoy points (verify current cap); valid 12 months
Silver Elite status — 10% points bonus on hotel stays; priority late checkout
Marriott Bonvoy points — redeemable for hotel stays, travel, and transfers to 40+ airlines
Amex purchase protection — covers damage and theft for 90 days
Amex extended warranty — doubles manufacturer’s warranty up to 1 year
Emergency medical insurance — out-of-province medical coverage (verify terms)

Marriott Bonvoy Points Value

Bonvoy points are worth approximately 0.6–0.9 cents per point (CAD) when redeemed for hotel nights. The value varies significantly by property, season, and availability.

Free night certificate value: A 35,000-point free night certificate at a Category 4 Marriott is worth $150–$250 at typical Canadian room rates — alone, this can offset the $120 annual fee.

Marriott Bonvoy Amex vs. Business Amex

Feature	Personal Card	Business Card
Annual fee	$120	$150
Marriott earn rate	5x	5x
Other earn rate	2x	3x on eligible business
Silver Elite	✓	✓
Free night	✓	✓
Best for	Personal hotel guests	Business travellers

How to Get the Most From This Card

Use the annual free night certificate — even one stay offsets the annual fee
Book Marriott hotels directly on the Bonvoy app/website to earn the full 5x + stay points
Transfer points to Aeroplan for flight redemptions (3:1, with bonus at 60K)
Combine with Marriott Bonvoy status earned via hotel stays for Gold or Platinum benefits

Details current as of June 2026. See our Advertiser Disclosure.