Are you looking for a Marriott Bonvoy Amex Card review? I’ve got you covered. Once known as the SPG Credit Card in Canada, the Marriott Bonvoy Amex Card is now the official credit card for Marriott in Canada. The card comes with great benefits and a welcome bonus worth up to 55,000 Marriott Bonvoy points.
To simply put it, the Marriott Bonvoy American Express Card is the perfect card for people who like to stay at Marriott hotels, you get a high earn rate, free annual hotel night, and more. It’s easy to see why I think it’s one of the best travel rewards cards in Canada. Keep reading my Marriot Bonvoy Amex Card review now for more details.
Marriott Bonvoy American Express Card
- $120 annual fee
- 55,000 Marriott Bonvoy points welcome bonus
- Earn 5 Marriott Bonvoy points per $1 spent at participating Marriott properties
- Earn 2 Marriott Bonvoy points for per $1 spent on all other purchases
- Annual free night certificate worth up to 35,000 points
The Marriott Bonvoy American Express Card is highly lucrative since it’s the only major hotel chain that has a co-branded credit card. Marriott International has more than 7,000 properties in 140+ countries, so you can use your points almost anywhere in the world.
The card usually comes with a welcome bonus of 50,000 Marriott Bonvoy points, but occasionally, they have promos where the sign up offer is as high as 55,000 points. Regardless of which offer you get, that’s a fair amount of points you’ll get. Note that when you use a referral link, you’ll sometimes get some extra points.
Since this is the official Marriott co-branded credit card in Canada, you’ll earn an amazing 5 Marriott Bonvoy points for every $1 on eligible card purchases at participating Marriott Bonvoy properties. Eligible card purchases usually refer to your nightly room rate, restaurants on-site, in-room dining and even spa treatments. All other purchases made on your card earn you 2 points per $1 spent. There’s simply no quicker way to earn Marriott Bonvoy points.
What’s nice about this card is that you start at Marriott Bonvoy Silver Elite status which gives you additional benefits such as 10% bonus points on stays and priority late checkout. In other words, if you pay for your stays with your Marriott Bonvoy American Express Card at participating properties, you get 5.5 points per $1 spent.
Gold status is given when you spend $30,000 on your card each year. If status is important to you, you may want to consider the American Express Platinum Card instead since you automatically get Gold status with it.
At the start of every calendar year, you’ll also get 15 Elite Night credits which means you’ll only need 10 additional nights to reach Gold Status (if you don’t spend $30,000 before then). This is clearly handy for people who stay at Marriott hotels occasionally.
There is an annual fee of $120, but every year on your card anniversary, you’ll get a free night certificate which is good up to 35,000 points at any participating Marriott property. The value of those points is easily worth more than the annual fee so that’s an incredible bonus.
Marriott Bonvoy Amex Card insurance
Admittedly, the Marriott Bonvoy Amex Card is not one of the best credit cards with travel insurance. While you do get some travel insurance, it doesn’t include travel medical or trip cancellation/interruption. The lack of comprehensive travel insurance doesn’t change the fact that this Marriott Bonvoy Amex Card review is positive. You do get buyer’s assurance and purchase protection which is incredibly handy if you use actually use it.
- Travel accident insurance – $500,000
- Car rental theft and damage insurance – 48 days/$85,000
- Flight delay insurance – $500
- Baggage delay insurance – $500
- Hotel/motel burglary insurance – $500
The main travel insurance you get is travel accident insurance of $500,000. That may sound good, but it’s something you never want to collect since it mainly covers loss of body parts or death. American Express does offer generous car rental theft and damage insurance since you’re covered for car rentals with an MSRP of $85,000 on trips up to 48 days. Your flight delay insurance kicks in after 4 hours while baggage delays require 6 hours. Note that the $500 in coverage for both types of insurance is an aggregate amount.
Finally, the hotel/motel burglary insurance gives you $500 in coverage. Remember, you need to charge your travel expenses to your credit card for your travel insurance to apply. One strategy I recommend is to use your Marriott Bonvoy Amex Canada Card for your hotel stays since you’ll earn extra Marriott Bonvoy points and you’ll get hotel/motel burglary insurance.
- Purchase protection – 90 days
- Buyer’s assurance – Double, up to one additional year
Purchase protection is often overlooked, but it can save you since you’ll be reimbursed if your purchases are lost, damaged, or stolen within 90 days from the time you make the purchase. There’s a limit of $1,000 for each claim, but that’s still a fair amount. Note that you do need to make the entire purchase with your Marriott Bonvoy Amex card for your purchase protection to be valid.
Buyer’s assurance is just a fancy way of saying extended warranty. Purchases made with your Marriott Bonvoy American Express Card get double the manufacturer’s warranty, up to one additional year. Just make sure you have a copy of the original receipt.
Marriott Bonvoy Amex pros and cons
The benefits of the Marriott Bonvoy Amex Card should be obvious, but you should always consider the pros and cons before you apply for any credit card. Here’s what I like and don’t like about the Marriott Bonvoy American Express Card.
- Lucrative sign up bonus: The welcome bonus is easily worth up to a few free nights and has a value of $500+.
- Free annual night certificate: You only get this benefit starting on your first anniversary of card membership, but it’s good for a room worth up to 35,000 points.
- High earn rate at Marriott hotels: 5 points per dollar spent is the highest earn rate you’ll get with any credit card in Canada at Marriott hotels.
- Hotel perks: Instant Silver status and 15 elite qualifying nights.
- Limited travel insurance: A lack of travel medical and trip cancellation insurance is a bit disappointing.
- Dynamic rewards: Peak and off-peak pricing can make redemptions less lucrative.
- Free night certificate limit: While the free night certificate is excellent, the redemption cap of 35,000 points is a bit annoying due to peak pricing. The U.S. version of this card has a cap of 50,000 points.
How Marriott Bonvoy works
Marriott Bonvoy is the largest hotel loyalty program in the world. Fortunately, the program itself is quite good and is easily one of the best travel rewards programs available.
I’ve written a detailed Marriott Bonvoy review so you can check that out if you want the full details, but I’m going to quickly highlight a few things about the program.
As you likely know, there are different status tiers with Marriott Bonvoy. Your status goes up as you spend nights at participating Marriott properties. With every status increase, you get additional benefits such as an increased earn rate for Marriott Bonvoy points, early check-in, late check-out, room upgrades, free breakfast, and more.
The points you’ve earned can be used to redeem free nights. Depending on the season and hotel you’re trying to book, it could cost you as little as 5,000 Marriott Bonvoy points or as much as 100,000 points for a free night. As you can see, there’s also peak and off-peak pricing to consider.
Keep in mind that Marriott has already announced that they’re dropping the redemption chart in March of 2022. At that time, every hotel will have dynamic pricing if you want to use your points. Basically, if the cash rate is higher, then so will be the number of points required to make a redemption.
How you use your Marriott Bonvoy points is up to you, but I find the best value for your points is in the low categories or the high categories. Generally speaking, if you’re getting at least .9 cents per point in value, it’s a decent deal. In other words, do some basic math before you book your room. These great redemption rates are part of the reason why my Marriott Bonvoy Amex review is positive.
How the Marriott Bonvoy Amex compares
Admittedly, it’s not a fair comparison, but I like to stack the Marriott Bonvoy Amex up against the American Express Cobalt Card. With the Cobalt, you earn American Express Membership Reward points. These points can be converted to Marriott Bonvoy at a 1:1.2 or ratio. In other words, 5 MR points get you 6 Marriott Bonvoy points.
When looking at the welcome bonus, the Marriott Bonvoy Amex Card will always come out on top. That said, the earn rate is where things get interesting. As you know, the Bonvoy Card gives you 5 points per $1 spent at Marriott Bonvoy properties at 2 points everywhere else. The Cobalt Card has an earn rate of 5 points per $1 spent on eats and drinks, 2 points on travel and transportation, and 1 point on everything else.
Anyone who stays at Marriott properties frequently is likely better off with the Bonvoy Card since you get an increased earn rate, status qualifying nights, instant status, and an annual free night certificate. However, if you spent a lot on groceries, food, and travel in general, the Cobalt Card could be better since you can convert your points to Marriott Bonvoy as needed.
My Marriott Bonvoy Amex Card review is positive. It’s still one of the best travel credit cards in Canada and one of the best American Express credit cards. It’s a must-have card for anyone who stays at Marriott properties on a regular basis.