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Save on Flights With the RBC Travel Redemption Schedule

Save on Flights With the RBC Travel Redemption Schedule
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RBC Avion Rewards points are an incredibly valuable points currency, with their flexibility and transferrability giving you tons of redemption options.

While the points can be used in many different ways, they are particularly valuable for travellers since they can be transferred to popular airline loyalty programs and redeemed for travel through RBC’s travel portal or by using statement credits and gift cards.

However, for Avion members looking to get top value from their points without transferring them to another program, the RBC Travel Redemption Schedule is likely their best bet.

What is the RBC Travel Redemption Schedule?

The RBC Travel Redemption Schedule is a fixed-price option available through the RBC Avion Rewards program that lets you redeem a set number of Avion points to cover the base fare of a flight to destinations around the world.

The number of points needed for each flight is set out in the following chart (or “schedule”), which can be toggled to show amounts for both round-trip flights and one-way flights.

The most important information about redemptions using the RBC Travel Redemption Schedule is as follows:

  • Flight are booked through the RBC Avion Rewards portal (powered by Expedia).
  • There are no blackouts dates. This means that you can book any airline, on any date, and in any cabin class.
  • Taxes and fees are charged in addition to the fixed-rate price of RBC Avion Rewards points.
  • The fixed-price RBC Travel Redemption Schedule option is only available to Avion members who hold an eligible Avion-branded credit card.

This final point means that individuals who only have an RBC ION Visa Card or an RBC ION+ Visa Card won’t see this redemption option. This is because Avion has three different membership levels, with improved redemption options as you climb the ranks.

With the RBC ION Visa Card or RBC ION+ Visa Card, you have Premium level Avion Rewards membership. This level lets you redeem for travel using the Flexible Pricing option at a rate of 172 points = $1.

Comparatively, travellers with an Avion-branded credit card have Elite level membership with Avion Rewards. At this level, you can access the RBC Travel Redemption Schedule, and you can redeem your points through the Flexible Pricing option at a rate of 100 Avion points = $1.

Annual fee
$120
Our valuation
$1,050
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,050Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 70,000 points
Ends Nov 25, 2026
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on RBC's website

  • Start flying today with 15,000 welcome points
  • Earn 1 RBC Rewards point for every dollar you spend
  • No blackout periods or seat restrictions – ever

With this limited-time welcome offer, you can earn up to 70,000 Avion points as a welcome bonus with the RBC Avion Visa Platinum Card!

  • Receive 35,000 points upon approval
  • 20,000 additional points when you spend $5,000 within the first six months of account opening
  • 15,000 additional points on the first anniversary of your account opening

You have until November 25, 2026 to apply.

You can use your Avion points for travel or convert them to other loyalty programs such as:

  • American Airlines AAdvantage
  • British Airways Executive Club (and Qatar Airways Privilege Club)
  • Cathay Pacific Asia Miles
  • WestJet Rewards

The current welcome offer lets you get the equivalent of 70,000 Avios or 70,000 WestJet points.

With the RBC Avion Visa Platinum Card, you earn 1 point for every dollar spent.

Annual fee

Primary card$120
Additional card$50

Annual income required

Individual$15,000
Household$15,000

Conversion fees

2.5%

Earning rate

  • 1xAll spending

Value

1st Year Value$1,335
2nd Year Value$264

Transfer partners

  • American Airlines AAdvantageAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • WestJet RewardsAirline

Travel insurance

Trip CancellationUp to $1,000
Trip InterruptionUp to $2,500
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
Featured
Annual fee
$120
Our valuation
$1,050
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,050Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 70,000 points
Ends Nov 25, 2026
Apply Now

on RBC's website

For a limited time, the RBC Avion Visa Infinite Card offers a welcome bonus of up to 70,000 Avion points, worth up to $1,500 in travel.

  • 35,000 points upon approval of your application
  • 20,000 points when you charge $5,000 in purchases to your account within the first six months
  • 15,000 points on the first anniversary of your account

You can redeem your Avion points for flights with more than 500 airlines, with no blackout periods or seat restrictions, or transfer them to partner programs such as American Airlines AAdvantage, The British Airways Club, Cathay Pacific Asia Miles and WestJet Rewards.

The card earns you 1.25 points per dollar on eligible travel purchases and 1 point per dollar on all your other eligible purchases. It also includes extensive insurance coverage: emergency medical, trip cancellation and interruption, collision coverage for rental vehicles, and mobile devices.

The annual fee is $120.

Annual fee

Primary card$120
Additional card$50

Annual income required

Individual$60,000
Household$100,000

Conversion fees

2.5%

Earning rate

  • 1.25xTravel
  • 1xAll spending

Value

1st Year Value$1,369
2nd Year Value$271

Transfer partners

  • American Airlines AAdvantageAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • WestJet RewardsAirline

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,500 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days
Annual fee
$399
Our valuation
$1,500
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,500Total$1,500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 100,000 points
Ends Nov 25, 2026
Apply Now

on RBC's website

  • Start travelling today with 25,000 welcome points
  • Earn 1.25 RBC Rewards points for every dollar you spend
  • Enjoy luxury travel benefits and exclusive privileges

For a limited time, the RBC Avion Visa Infinite Privilege Card offers a welcome bonus of up to 100,000 Avion points, representing a travel value of up to $2,375.

  • 35,000 points upon approval of your application
  • 20,000 points when you charge $5,000 in purchases to your account within the first six months
  • 45,000 points on your account’s first anniversary

With the RBC Avion Visa Infinite Privilege Card, you also receive 6 complimentary airport lounge visits each year.

You can redeem your Avion points for flights on over 500 airlines, with no blackout periods or seat restrictions, or transfer them to partner programs such as American Airlines AAdvantage, The British Airways Club, Cathay Pacific Asia Miles, and WestJet Rewards.

The card also gives you access to priority lanes, security services, and reserved parking at select Canadian airports.

You earn 1.25 Avion points per dollar on all your purchases, and the card includes comprehensive insurance coverage: emergency medical care, trip cancellation and interruption, and mobile devices up to $1,500.

Annual fee

Primary card$399
Additional card$99

Annual income required

Individual$200,000
Household$200,000

Conversion fees

2.5%

Earning rate

  • 1.25xAll spending

Value

1st Year Value$1,607
2nd Year Value$321

Transfer partners

  • American Airlines AAdvantageAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • WestJet RewardsAirline

Card benefits

Concierge service24/7
Airport lounge access$240

Travel insurance

Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Trip CancellationUp to $2,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Lost BaggageUp to $2,500
Flight DelayUp to $500
Hotel BurglaryUp to $3,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,500 / 1 years
Auto Rental CollisionUp to $85,000 / 48 days
Annual fee
$175
Our valuation
$525
Milesopedia first-year estimateFirst-year valueWelcome bonus$525Total$525Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
35,000 points
Apply Now

on RBC's website

The RBC Avion Visa Infinite Business Card is the premium business credit card in the RBC Avion Rewards program, designed for business owners who travel.

Get 35,000 bonus Avion points upon approval.

What the card gives you:

  • 1.25 RBC Rewards points per dollar in net purchases charged to your card, up to $75,000 per year, then 1 point per dollar beyond that
  • A Visa Airport Companion membership, which opens access to more than 1,200 airport lounges worldwide, at US$32 per person per visit
  • Avion points that are redeemable for travel with a great deal of flexibility, with no blackout dates
  • Additional cards for your employees, at $75 each, up to 9 cards

The annual fee is $175. The annual interest rate is 19.99% on purchases and 22.99% on cash advances. A 2.5% conversion fee applies to foreign currency transactions.

Annual fee

Primary card$175
Additional card$75

Annual income required

Individual$60,000
Household$100,000

Conversion fees

2.5%

Earning rate

  • 1.25xAll spending

Value

1st Year Value$856
2nd Year Value$305

Transfer partners

  • American Airlines AAdvantageAirline

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Hotel BurglaryUp to $2,500

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $2,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days
Annual fee
$120
Our valuation
$300
Milesopedia first-year estimateFirst-year valueWelcome bonus$300Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
20,000 points
Apply Now

on RBC's website

  • 20,000 welcome points upon enrolment
  • Earn 1 RBC Rewards point for every $1 spent in net purchases with your card
  • No blackout periods or seat restrictions

The RBC Avion Visa Business Card is a business credit card in the RBC Avion Rewards program, designed for self-employed workers and business owners who want to earn travel points on their business spending.

You earn Avion points, redeemable for travel with a great deal of flexibility, and the welcome offer can reach 20,000 Avion points on approval. The annual fee is $120.

The annual interest rate is 19.99% on purchases and 22.99% on cash advances. A 2.5% conversion fee applies to foreign currency transactions.

Annual fee

Primary card$120
Additional card$50

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 1xAll spending

Value

1st Year Value$585
2nd Year Value$264

Transfer partners

  • American Airlines AAdvantageAirline

Travel insurance

Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Hotel BurglaryUp to $2,500

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
Annual fee
$0
Our valuation
$210
Milesopedia first-year estimateFirst-year valueWelcome bonus$210Total$210Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 14,000 points
Ends Nov 4, 2026
Apply Now

on RBC's website

With the RBC ION Visa card, earn up to 14,000 Avion points^, a value of up to $100 in gift cards.

This RBC credit card with no annual fee lets you earn 1.5X Avion points per dollar in the following categories1:

  • Groceries
  • Transit, gas, and electric vehicle charging
  • Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases1.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card4.

Annual fee

Primary card$0
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 1.5xGas & EV
  • 1.5xStreaming
  • 1.5xGroceries
  • 1.5xTransit
  • 1xAll spending

Value

1st Year Value$773
2nd Year Value$200

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Annual fee
$48
Our valuation
$420
Milesopedia first-year estimateFirst-year valueWelcome bonus$420Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 28,000 points
Ends Nov 4, 2026
Apply Now

on RBC's website

With the RBC ION+ Visa Card, get up to 28,000 Avion points^, which is a value of up to $200 in gift cards. Apply by November 4, 2026.

This offer includes:

  • 7,000 Avion points upon approval^
  • 14,000 additional Avion points when you charge at least $1,500 in eligible purchases to your account within the first 6 months^
  • 7,000 anniversary Avion points^

This RBC credit card allows you to earn 3X the Avion points per dollar on the following categories1:

  • Groceries, restaurants and meal delivery
  • Transportation, gas and electric vehicle charging
  • Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases1.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card4.

Finally, benefit from mobile device insurance3 providing two years of protection, up to $1,000, in the event of loss, theft, accidental damage, or breakdown of your mobile device purchased with the card.

Annual fee

Primary card$48
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 3xGroceries
  • 3xGas & EV
  • 3xTransit
  • 3xStreaming
  • 3xRestaurants
  • 1xAll spending

Value

1st Year Value$1,380
2nd Year Value$269

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years

Redemption value for RBC Travel Redemption Schedule

The RBC Travel Redemption Schedule lets you redeem your Avion Rewards points for up to 2-2.3 cents per point.

Notably, this value is considerably higher than the 1 cent per Avion point that’s available through RBC’s other travel redemption options.

Now, you could also potentially get this value or even higher by transferring you Avion points to a partnered airline program like WestJet Rewards, The British Airways Club, Cathay Pacific’s Asia Miles, or American Airline’s AAdvantage, but if you’re not interested in navigating another program, the RBC Travel Redemption Schedule offers top value potential.

To learn how to earn RBC Rewards points easily, we recommend that you check out our articles on the best RBC credit cards and how to enjoy free travel with RBC’s exciting Avion Rewards welcome offers.

How to Redeem Using the RBC Travel Redemption Schedule

The RBC Travel Redemption Schedule is divided into 6 categories, with the following information reflecting the rules for return flights:

CategoriesCost in PointsMax. Base FareMax. Value Per Point
Quick getaways: Within/to adjacent province, territory, or state15,000$3502.33¢
Explore North America: Anywhere in Canada/US except Alaska and Hawaii35,000$7502.14¢
Enjoy scenic adventures: Western Canada/US to Mexico, Hawaii, Alaska; Eastern Canada/US to Bermuda, Central America, Caribbean45,000$900
Escape to the islands: Western Canada/US to Mexico, Hawaii, Alaska; Eastern Canada/US to Bermuda, Central America, Caribbean55,000$1,100
Vacation in Europe: Major gateways in Canada/US to destinations in Europe65,000$1,300
See the world: Major gateways in Canada/US to destinations in Asia, Australia, New Zealand, South Pacific, Middle East, Africa, South America100,000$2,000

You’re also welcome to book one-way flights using this fixed-price structure. The cost and thresholds for these redemptions are simply the above amounts cut in half.

Booking your flight

To book a flight using the RBC Travel Redemption Schedule, just follow these steps:

Log in to your RBC Avion Rewards account and navigate to the Travel Rewards area. Next, you can search for flights as you normally would in any travel portal.

If you’re eligible and have enough points, you’ll see two available pricing columns:

One for the Fixed Points redemption options

RBC Travel Redmeption - Fixed Points Pricing EN

…and the other for the Flexible Pricing redemption options.

Now you can select your preferred flight and redemption option, then follow the prompts to the checkout page. Here you’ll need to pay the taxes and fees with a credit card or Avion points.

Important considerations

As you get ready to redeem, it’s important to keep in mind that if you don’t have enough points available for the RBC Travel Redemption Schedule fixed-price award flights (but you are an Elite Avion member), you’ll see the following message, and you’ll be invited to redeem using the Flexible Pricing option at 1 cent per Avion point:

Additionally, keep in mind that when redeeming through the RBC Travel Redemption Schedule, you pay the same Fixed Points Pricing cost for a category even if the base fare is well below the threshold.

For example, if you were to book a flight from Montreal to Vancouver (falling under the “Explore North America” category), the 35,000-point fixed price covers up to a maximum base fare of $750; however, even if your flight’s base fare was only, let’s say $300, you would still need to pay the full 35,000 points.

To help clarify this concept, we’ll take a closer look at a couple examples in the section below.

Redemption Examples

Low-value redemption

For our first redemption example, let’s look at a return flight between Toronto and Montreal, which falls under the « Quick Getaway » category and will cost 15,000 Avion points using the Fixed Points option.

First, looking at the Flexible Pricing option, we can see that this flight costs $210.32 or 21,032 Avion points at the redemption rate of 1 Avion point = 1 cent.

Comparatively, if we look at the Fixed Points Pricing option below, we can see that this flight would cost 15,000 Avion points plus $143.36 in taxes and fees. This means that the base fare is only $66.96, giving you a terrible redemption value of 0.45 cents per point ($66.96/15,000 = 0.45 cents).

Good value redemption

For a better value redemption, let’s look within the same « quick getaway » category, but this time at a return flight between Vancouver and Whitehorse.

Here we can see the Flexible Pricing option coming in at $477.67 or 47,767 Avion points.

Now, if we were to use the Fixed Pricing offered through the RBC Travel Redemption Schedule, we instead need to redeem only 15,000 Avion points, $46.67 in taxes and fees, and $81.00 for the Over Max. cost (this happens when the base fare is higher than the maximum threshold for the redemption category).

With this redemption, we’re exchanging our 15,000 points for a maxed-out base fare of $350 (+$81 cash in overages), giving us the maximum achievable value of 2.3 cents per Avion point ($350.00/15,000 = 2.3 cents).

The key takeaway from these examples is that you can get the most from your Avion points and the RBC Travel Redemption Schedule by looking for flights where the base fare is as close to the category’s maximum price threshold as possible (or over it if you’re willing to make up the difference with cash).

Redemptions to avoid

As shown in our first example, there are lots of times when using the Fixed Points Pricing option will not be to your benefits.

To help keep your points safe from these weaker redemption options, let’s look at one more example of a poor redemption to help you identify these when they show up.

In the example above, we searched for a return flight within the « Europe » category, which costs a fixed rate of 65,000 Avion points for a base fare of up to $1,300.

What we see in the image is a flight where you’d be exchanging your 65,000 points for a base fare of only $235.00 (well below the max threshold), getting a value of only 0.36 cents per point.

Additionally, you’ll still need to pay the whopping $824.81 in taxes, fees, and charges that aren’t covered by the fixed-rate points.

This is a great example of how airlines can potentially hide parts of the flight’s cost in the taxes and fees using « Carrier Imposed Surcharges » as seen in the breakdown of the above fees in the image below.

Business class redemptions

With the RBC Travel Redemption Schedule, you’re welcome to book any class of ticket, including business class and first class. However, the maximum base fare thresholds for each category remain the same regardless of which class fare you’re booking. This can make it difficult to find premium class fares that fit within these limits.

As an alternative option, if you have the RBC Avion Visa Infinite Privilege or the RBC Avion Visa Infinite Business Card, you can also redeem your Avion points for business class and first class flights using the Flexible Pricing option at the elevated rate of 100 points = 2 cents.

For example, you could fly between Montreal and Sao Paulo in business class (worth $2,522.11) for 126,106 Avion points.

Pleasantly, if you qualify for this Flexible Pricing option, you can also redeem your Avion points for the taxes and fees at the same elevated rate, keeping your bank account out of the transaction entirely.

Bottom Line

The RBC Travel Redemption Schedule is a valuable redemption option for eligible Avion Rewards members. It nicely complements RBC Travel Rewards’ Flexible Pricing option and the ability to transfer points to partnered loyalty programs.

Avion Rewards is one of only a few transferable currencies in Canada, so if you like the idea of saving on your next trip abroad, it’s definitely worth checking out if you aren’t already a member.

Check out our helpful guides below to explore Avion Rewards as well as another powerful transferable currency in American Express Membership Rewards:

FAQs

Which credit card should you choose for travel?

If you travel regularly, the credit card you carry makes a real difference – travel insurance, points earning, airport lounge access and no foreign exchange fees. Use our credit card comparator to filter through 200+ Canadian cards based on your needs, or browse the best credit cards in Canada, ranked monthly by the Milesopedia team. Our top pick to earn RBC Avion points: the RBC Avion Visa Infinite Card.

Featured
Annual fee
$120
Our valuation
$1,050
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,050Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 70,000 points
Ends Nov 25, 2026
Apply Now

on RBC's website

For a limited time, the RBC Avion Visa Infinite Card offers a welcome bonus of up to 70,000 Avion points, worth up to $1,500 in travel.

  • 35,000 points upon approval of your application
  • 20,000 points when you charge $5,000 in purchases to your account within the first six months
  • 15,000 points on the first anniversary of your account

You can redeem your Avion points for flights with more than 500 airlines, with no blackout periods or seat restrictions, or transfer them to partner programs such as American Airlines AAdvantage, The British Airways Club, Cathay Pacific Asia Miles and WestJet Rewards.

The card earns you 1.25 points per dollar on eligible travel purchases and 1 point per dollar on all your other eligible purchases. It also includes extensive insurance coverage: emergency medical, trip cancellation and interruption, collision coverage for rental vehicles, and mobile devices.

The annual fee is $120.

Annual fee

Primary card$120
Additional card$50

Annual income required

Individual$60,000
Household$100,000

Conversion fees

2.5%

Earning rate

  • 1.25xTravel
  • 1xAll spending

Value

1st Year Value$1,369
2nd Year Value$271

Transfer partners

  • American Airlines AAdvantageAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • WestJet RewardsAirline

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,500 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days

What is the RBC Travel Redemption Schedule?

The RBC Travel Redemption Schedule is a fixed-price option available through the RBC Avion Rewards program that lets eligible Avion Rewards members redeem a set number of Avion points to cover the base fare of a flight to destinations around the world.

Who can use the RBC Travel Redemption Schedule?

Avion Elite members can redeem their points using the RBC Travel Redemption Schedule.

To be an Avion Elite member, you need to have one of the following credit cards:

How much are RBC Avion Rewards points worth?

RBC Avion Rewards points can be redeemed for up to 2.3 cents each when using the RBC Travel Redemption Schedule to book an award flight.

Avion points can also be redeemed for between 0.5-1 cent per point for statement credits, gift cards, merchandise, and other travel.

What loyalty programs can I transfer my RBC Avion Rewards points to?

If you’re an Avion Elite member, your RBC Avion Rewards points can be transferred to the following loyalty programs:

  • WestJet Rewards
  • Cathay Pacific Asia Miles
  • The British Airways Club
  • American Airlines AAdvantage

Avion Premium members can transfer their points exclusively to WestJet Rewards.

Our featured card

Featured
Annual fee
$120
Our valuation
$990
Milesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 110,000 points
Ends Sep 22, 2026
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The Marriott Bonvoy® American Express®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 110,000 Marriott Bonvoy® points with the current offer:

  • Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
  • Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.

Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.

Annual fee

Primary card$120
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xMarriott Bonvoy hotels
  • 2xAll spending

Value

1st Year Value$1,437
2nd Year Value$312

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Our editorial integrity

Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.