Scotiabank Gold American Express® CardScotiabank Gold American Express® CardEarn up to 50,000 bonus Scene+ points + no annual fee in your first year

Golf: Credit card benefits

Golf: Credit card benefits
Share

Golf players! Did you know that holders of certain American Express, Mastercard and Visa credit cards have access to benefits that apply to you?

Many of you dream of getting back to your golf trips.

Now it is your turn, and here is how to make the experience even better.

Golf: Credit card benefits - Golf and Fine Hotels + Resorts

Three networks, three programs

The American Express, Mastercard and Visa networks offer golf benefits to holders of their premium credit cards. Here are the cards on our radar:

American Express

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$799Welcome offer
Up to 100,000 points
Apply Now
Annual fee$799Welcome offer
Up to 120,000 points
Apply Now

Mastercard World Elite

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$150 $0Welcome offer
No welcome offerEnds Nov 4, 2026
Apply Now
Annual fee$150Welcome offer
Up to 35,000 pointsEnds Nov 1, 2026
Apply Now
Annual fee$150 $0Welcome offer
Up to 115,000 points
Apply Now
Annual fee$130Welcome offer
No welcome offer
Apply Now
Annual fee$0Welcome offer
No welcome offer
Apply Now
Annual fee$89Welcome offer
No welcome offer
Apply Now

Visa Infinite Privilege

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$599Welcome offer
Up to 100,000 points
Apply Now
Annual fee$499Welcome offer
Up to 80,000 points
Apply Now
Annual fee$599Welcome offer
Up to 200,000 pointsEnds Oct 31, 2026
Apply Now
Annual fee$395Welcome offer
No welcome offer
Apply Now
Annual fee$399Welcome offer
Up to 100,000 pointsEnds Nov 25, 2026
Apply Now
Golf: Credit card benefits - Golf in the morning

Fine Hotels + Resorts with American Express

Holders of the American Express Platinum Card® or the Business Platinum Card® from American Express, on top of having access to the Fine Hotels + Resorts Program, can receive an annual travel credit of up to $200 each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings.

More than 150 hotels in or near world-renowned golf clubs become available to golfers who hold these credit cards.

One example? The magnificent Terranea Resort in California.

Golf: Credit card benefits - Terranea Golf course

The benefits of the Fine Hotels + Resorts program:

  • An offer worth at least US$100, issued as a credit. The amount can be applied against food and beverage spending, a round of golf for two, treatments at a wellness centre, or the cost of private airport transfers to and from the hotel
  • Complimentary daily breakfast for two people
  • Check-in from noon, subject to availability, and late check-out at 4 p.m.
  • A room upgrade may be granted, subject to availability.
  • In-room Wi-Fi access, subject to certain exclusions
Golf: Credit card benefits - Golf swing

Golf Experiences with Priceless from Mastercard

Exclusive to Mastercard credit cards, the Priceless program includes an offer that golf enthusiasts value highly:

  • One round per year at as many courses as you like among the 1,000 private golf clubs in their North American network.
  • With the playing partner of your choice.

*The price varies by golf club. One example? The coveted The Plantation Golf Club, Florida.

Golf: Credit card benefits - Plantation golf FL

Private Troon clubs with Visa

It is hard, if not impossible, to resist this program offered by Visa Infinite Privilege credit cards.

Brace yourself. You get access to private Troon golf courses and to Troon Rewards status.

25 private Troon clubs take part.

  • Play up to twice a year at each of the members-only private clubs.
  • Flat rate of $99 per player per round.
  • Invite up to three friends who play at the same rate.
  • Save 20% on merchandise, packages and golf lessons at more than 150 clubs worldwide.

One example? The Maderas Golf Club in Poway, California

Golf: Credit card benefits - Golf sand trap
Golf: Credit card benefits - Golf California

Marriott Bonvoy Moments

Are you a Marriott Bonvoy member with points saved up? Beyond paying for hotel stays, those points open the door to experiences that would otherwise be out of reach.

One example?

How about bidding points on 2 VIP tickets to attend five days of the 2022 PGA Golf Championship? The Dell Technologies event in Austin, Texas, worth at least US$1,500.

Golf: Credit card benefits - Golf Championship
  • strategically located at tees 5 and 12 of the course, the Michelob ULTRA Athletic Club delivers an unforgettable front-row experience.
  • The space is covered and ventilated. You can buy premium food and drinks there.

How does it work?

You bid points. Other enthusiasts do the same. Bids are revealed one month before the event takes place, and the highest bid wins.

Golf: Credit card benefits - Marriott points bidding

Conclusion

Have you chosen a premium credit card? Congratulations. It comes with benefits at sign-up through bonus points, and while travelling through perks such as free checked bags and airport lounge access. But there is so much more.

Do you know how far their rewards programs reach? We have revealed a few of those angles.

Golfers, your turn is coming. Treat yourselves!

Thanks to Danielle Daoust, a passionate golfer, and Pascal Garneau of Golfdudez.ca, an equally experienced golfer. Both are members of the milesopedia Community.

Golf: Credit card benefits - Golf PS California

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.