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Africa: How to Get There Using Points and Miles

Africa: How to Get There Using Points and Miles
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Travelling to Africa may seem expensive, but by making smart use of your credit card points, this dream becomes much more attainable. Whether you’re planning a safari in Kenya, visiting the pyramids of Egypt, or exploring South African vineyards, there are several strategies for maximizing your points and drastically reducing your costs.

In this guide, we explore how to plan a trip to Africa in 2025 using the best points programs available to Canadians.

How to Reach Africa with Points?

Traveling to Africa using points is an economical and practical option for Canadian travelers, as they are very easy to accumulate. Several rewards programs offer access to flights to the African continent. Here are the main strategies to maximize your points for your trip.

Travel to Africa with Aeroplan Points

The Aeroplan program is an ideal choice for organizing a trip to Africa using points, thanks to its extensive network of airline partners, including Ethiopian Airlines, EgyptAir, Turkish Airlines, and more. This extended network, along with perks such as Aeroplan’s Stopover, means you’re free to explore the African continent in a flexible cost-effective fashion.

One of the main advantages of the Aeroplan program is the possibility to add an extra stopover to your itinerary for only 5,000 points, allowing you to discover two African destinations while optimizing your points. This type of option is perfect for those who wish to enrich their trip and visit more than one city without excessive costs. The stopover can also be in Europe, where you are very likely to pass through when traveling from Canada.

Aeroplan’s pricing system is based on a combination of geographical zones and distances travelled, which means that shorter journeys to Africa will cost fewer points than more distant destinations. Here are a few examples to illustrate the principle:

  • Montreal — Casablanca: approximately 3,534 miles;
  • Toronto — Addis Ababa: 7,154 miles;
  • Montreal – Cape Town (via Frankfurt): 9,463 miles.
Maximize Your Flight Pptions With Aeroplan For A Trip To Europe - grille aeroplan na atlantique

These distances directly influence the number of points required for each flight. For example, a one-way economy flight to Casablanca will require around 35,000 points, while a flight to Addis Ababa could require up to 55,000 points, given the greater distance and higher fare zone.

Maghreb: How to Get There Using Points and Miles - maghreb casablanca points
Africa: How to Get There Using Points and Miles - yyz add aeroplan

It’s also important to note that flights operated by Air Canada follow dynamic pricing, meaning the point cost can fluctuate based on demand. Sometimes, this allows for potential seat reservations at reduced prices. For example, I’ve found particularly interesting flights to destinations like Algiers, where a flight can cost less than 35,000 points, or to Cape Town, where tickets can sometimes be found for less than 70,000 points.

Maghreb: How to Get There Using Points and Miles - maghreb algier points
Africa: How to Get There Using Points and Miles - le cap aeroplan

For those seeking more comfort, business class tickets to Africa are available from 60,000 points for a one-way trip, depending on the final destination and distance. This allows for optimal travel comfort while using Aeroplan points.

Addionally, the program offers reduced rates at 2,500-point for babies, an added bonus for families travelling with young children.

Intra-Atlantic flights, which cover the entire African continent, offer a particularly advantageous fare structure for travel within this region. A wise strategy is to buy a low-cost ticket in cash, for example with an airline like French Bee to reach Europe, and then use your Aeroplan points to complete your journey to Africa. This approach reduces overall costs while maximizing point value.

Africa: How to Get There Using Points and Miles - grille aeroplan 2025 atl

Let’s take a concrete example: a round-trip flight from Montreal to Addis Ababa costs 110,000 Aeroplan points and $248 in taxes and fees.

Africa: How to Get There Using Points and Miles - yul add aeroplan

The cash price for the same flight is $2,166.

Africa: How to Get There Using Points and Miles - vol afrique en argent

The value of your points is calculated as follows:

By opting for a mixed strategy, you can further optimize this value. For example, by purchasing a round-trip flight to Paris with French Bee at $422, then using 50,000 Aeroplan points and $236 for the round-trip flight Paris-Addis-Abeba, you spend:

  • $422 in cash,
  • 50,000 Aeroplan points,
  • $236 in taxes and fees.
Africa: How to Get There Using Points and Miles - vol lowcost french bee
Africa: How to Get There Using Points and Miles - vol atlantique afrique aeroplan

The total value of your points in this scenario is:

So even if you have fewer points, or are looking to use fewer points but still retain excellent value, this mix-and-match method can be very advantageous. This principle is not limited to the Aeroplan program: it applies to all other frequent flyer programs.

Finally, to quickly accumulate the required number of points for a trip to Africa, it is recommended to subscribe to one of the credit cards offering a generous welcome bonus in Aeroplan points:

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$599Welcome offer
Up to 85,000 points
Apply Now
Annual fee$599Welcome offer
Up to 90,000 points
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Annual fee$599Welcome offer
Up to 100,000 points
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Annual fee$139 $0Welcome offer
Up to 50,000 points
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Travel to Africa with Flying Blue Miles

For Canadian travellers wishing to explore the African continent using their points, the Flying Blue program, offered by Air France and KLM, represents an effective and economical option. Thanks to their extensive airline network, these airlines serve many popular African destinations, accessible via efficient connections in Paris or Amsterdam.

From Montreal, for example, you can reach North African cities starting at 25,000 Flying Blue miles for economy class and 60,000 miles for business class.

Maghreb: How to Get There Using Points and Miles - maghreb yul-cmn

Regarding other itineraries, a Montreal–Nairobi flight will cost you 40,000 Flying Blue miles. For a trip to Cape Town, you should expect around 55,000 miles.

Africa: How to Get There Using Points and Miles - vol afrique flying blue
Africa: How to Get There Using Points and Miles - vol afrique flying blue 2

Flying Blue’s dynamic pricing means mile costs can vary based on time, demand, and other factors. For maximum mile value, we recommend booking as early as possible, ideally up to a year in advance.

Another interesting feature of the Flying Blue program is a 25% discount on award tickets for children aged 11 and under, a great savings opportunity for families planning a trip to Africa.

Africa: How to Get There Using Points and Miles - Safari In Africa Flying Blue Adult Child Fr

In addition, Flying Blue offers exclusive monthly promotions called Promo Rewards. These offer substantial discounts on certain routes, including to North, East and Southern Africa. So it’s a good idea to check these promotions regularly to take advantage of the best deals available.

For Canadian travellers, several options exist to quickly accumulate Flying Blue miles:

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$132 $0Welcome offer
No welcome offer
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Annual fee$191.88Welcome offer
Up to 15,000 points
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Travel to Africa with Avios Points

The Oneworld alliance represents an excellent alternative for travellers wishing to travel to Africa using frequent flyer points, notably via the British Airways Club and Qatar Airways Privilege Club programs. One of the alliance’s key assets is Royal Air Maroc, which operates direct flights between Montreal and Casablanca, providing a gateway to the main Maghreb destinations.

One of the great advantages of this option lies in the possibility of booking direct flights with Royal Air Maroc. Indeed, a one-way trip between Montreal and Casablanca can be obtained from 20,750 Avios points in economy class, or 62,000 Avios in business class. These fares are particularly competitive, although applicable taxes and fees can be relatively high, an element to consider when planning.

Maghreb: How to Get There Using Points and Miles - magreb avios cmn

In parallel, Qatar Airways also offers connections to several major destinations on the African continent, such as Nairobi and Cape Town, accessible directly from its Doha hub. As an Avios member, you can use your points to book these award flights.

For example, for a flight between Montreal and Nairobi in economy class, the fare starts at 42,500 Avios with the Qatar Airways Privilege Club program for a one-way ticket. Business class fares start at 85,000 Avios, and the famous Qsuite is available on this route!

Africa: How to Get There Using Points and Miles - avios nbo

One of the major advantages of the Avios program is its ease of accumulation for Canadians. You have several options:

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$165Welcome offer
50,000 Avios
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Annual fee$120Welcome offer
Up to 70,000 pointsEnds Nov 25, 2026
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Annual fee$399Welcome offer
Up to 100,000 pointsEnds Nov 25, 2026
Apply Now

Travel to Africa with Travel Points

Several programs allow you to convert your points into travel credits. Specifically, this means you can apply your points directly to your credit card statement to partially or fully reimburse the cost of your airline ticket. This is a very attractive feature, especially in situations where traditional loyalty programs do not offer satisfactory redemption value.

Airline points often vary considerably in value, depending on demand, season or seat availability. In such cases, it may be wiser to save those points for another occasion andopt for a “cash” booking.

It is important to note that « paying with cash » does not necessarily mean dipping into your bank reserves. By using your other types of points or cashback generated by your credit cards, you can cover these expenses while maintaining significant financial flexibility and benefiting from an immediate advantage.

Rewards programs associated with credit cards, such as NBC Rewards, Scene+CIBC Aventura, TD Rewards, among others, represent a particularly advantageous solution for booking flights to Africa using points. Unlike loyalty programs linked to a specific airline or alliance, these programs offer great freedom of use.

Maghreb: How to Get There Using Points and Miles - maghreb bnc

One of the main strengths of these programs is their flexibility. You have the option to use your points to book a flight with any airline, without constraints related to a partner network or a specific fare class. This freedom allows you to:

  • Compare prices on several booking platforms;
  • Choose the itinerary best suited to your preferences;
  • And optimize your spending according to your budget and travel priorities.

Choosing the Best Points Programs for Flights to Africa

The choice of the best points program for flying to Africa depends on several key factors, varying in importance depending on individual needs:

  • Availability of award seats: some programs offer greater access to award tickets on flights to Africa.
  • Ease of point accumulation: the speed and simplicity with which you can accumulate points vary depending on the programs and associated credit cards.
  • Flexible booking options: some programs offer greater booking flexibility, such as the possibility of combining points from different sources or using points for travel credits.

Programs such as Aeroplan, Flying Blue, and Avios each offer specific advantages. For example, Aeroplan is known for its wide availability with Ethiopian Airlines and its advantageous stopovers, while Flying Blue offers regular promotions and discounts for children. Avios, on the other hand, is advantageous because points are very easy to accumulate.

Additionally, more flexible points programs, such as NBC Rewards, Scene+, CIBC Aventura, or TD Rewards, may also suit your needs, especially if you are looking for greater freedom in choosing airlines or wish to use your points as travel credits.

The important thing is to determine how your travel objectives align with the point accumulation and utilization possibilities offered by each program. Ultimately, choosing the best points program for travel to Africa depends on your personal goals, your travel habits and how you want to use your points.

To optimize your search and quickly identify the best points offers for your departure dates, tools like Roame can be particularly useful. They make it easy to compare available options and find the most advantageous program for your trip. Use the code milesopedia for a discount when you subscribe to Roame. Also, make your reservations as early as possible; the best points prices often appear a year in advance.

Where to Stay in Africa with Points?

Stay in Africa at Chain Hotels like Marriott Bonvoy

Travelling to Africa with your points isn’t limited to airfare; you can also book accommodations using hotel loyalty programs. Several major international chains, such as Marriott, offer numerous establishments in key tourist destinations across the region.

The Marriott Bonvoy program stands out with its extensive coverage of popular African countries such as Morocco, Egypt, and South Africa. Thanks to this program, you can use your points to book in a wide variety of hotels, from affordable comfort to refined luxury.

Here are some examples of Marriott properties accessible with points:

Programs like Marriott Bonvoy and Hilton Honors allow you to further optimize your points through advantageous offers, including:

Maghreb: How to Get There Using Points and Miles - maghreb marriott

Indeed, by holding the Marriott Bonvoy?? American Express?? Card or the Marriott Bonvoy?? Business American Express?? Card, you receive a free night certificate each year. For a modest annual fee of $120 to $150, this certificate can be used at hotels often worth much more than the card’s cost, making it excellent value for travelers. The welcome bonuses on these cards are also very generous:

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$120Welcome offer
Up to 110,000 pointsEnds Sep 22, 2026
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Annual fee$150Welcome offer
Up to 110,000 pointsEnds Sep 22, 2026
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Stay in Africa at Independent Hotels with Points

For travelers seeking authenticity or more local experiences, it’s entirely possible to use travel points to book independent hotels, traditional riads, or even Airbnb accommodation in several major African cities.

As mentioned previously, rewards programs associated with certain credit cards, such as NBC Rewards, TD Rewards, or Scene+, stand out for their great flexibility. Unlike classic hotel loyalty programs, they are not limited to a particular chain. You can therefore use your points as travel credit and apply them to a wide range of expenses related to your vacation.

This flexibility allows you to:

  • Book a charming riad in the heart of Marrakech,
  • Choose a boutique hotel by the seaside in Dakar,
  • Or, stay in an Airbnb in Cape Town, with a view of Table Mountain.

This freedom is particularly important if you want to enjoy unique experiences, far from the standards of international chains, or simply explore different neighbourhoods and accommodation styles.

Using your points as travel credits also enables you to manage your spending more effectively. For example, even if an accommodation is not part of a traditional partner network, you can still reimburse it partially or fully with your points once the transaction is completed on your card.

What Activities to Book in Africa with Your Points or Credit Cards?

Once you’ve booked your flights and accommodation, the next step is to plan the activities that will make your stay in Africa unforgettable. Whether you’re looking for a safari in the Serengeti, a desert excursion in the Sahara, a guided tour of Egypt’s pyramids, or shark diving in South Africa, there are many ways to use points to reduce the cost of your activities.

G Adventures

G Adventures is a reputable Canadian agency specializing in eco-friendly adventure travel. It offers numerous guided tours across Africa, including lodging, transportation, and cultural activities. Whether traveling solo, as a couple, or in a group, these tours are perfect for discovering countries like Morocco, Namibia, Kenya, or South Africa in a guided manner, while respecting local communities.

Many Canadian travel credit cards allow you to use points in the form of travel credits to pay for tours booked through G Adventures. For example, this is possible with NBC Rewards points.

Civitatis and GetYourGuide

If you prefer to organize your trip independently and book your activities on a day-to-day basis, platforms such as Civitatis and GetYourGuide are excellent options. They offer a wide selection of local excursions, guided tours and immersive experiences in the main tourist destinations on the African continent.

How about, for example, a camel ride in the golden dunes of Merzouga, Morocco? Or a sunset cruise on the Nile, to admire the Egyptian landscapes in a magical atmosphere? In South Africa, a visit to the infamous Robben Island will immerse you in the poignant history of Nelson Mandela.

These platforms accept credit card payments, allowing you to maximize your rewards points by applying them as credit to your statement, according to your program’s terms (e.g., Scene+, NBC Rewards, CIBC Aventura, etc.). Even better, if you use a no-foreign-transaction-fee card like the Scotiabank Passport Visa Infinite +* Card, you save on foreign currency fees while continuing to accumulate and spend your Scene+ points to reimburse these expenses later.

What Travel Insurance for a Trip to Africa?

A trip to Africa, however rewarding, involves logistical and medical challenges that should not be underestimated. Appropriate travel insurance is essential to protect you against the unexpected: emergency medical care, cancellation, trip interruption or even baggage loss.

Travel Insurance on Your Credit Card

Before choosing travel insurance, it’s important to check the coverage included with your credit cards, so you don’t buy unnecessary coverage. Many credit cards offer solid travel insurance, particularly suited to short or medium-term stays.

For example, the National Bank World Elite Mastercard covers emergency medical care for up to 60 days for people aged 54 and under, which far exceeds most trips in general. An important advantage: this insurance applies even if the trip is paid for in part with points, as long as a portion of the cost is paid with the card. It also covers yoru spouse and dependent children, making it an attractive option for families.

If you already have this type of card, you could be covered for a trip to Africa lasting a few weeks. This can be a very economical and practical option.

SoNomad

If your stay exceeds the duration covered by your credit card, or if you do not meet the age criteria or face medical exclusions, it may be necessary to purchase separate travel insurance. This is where soNomad stands out.

Originating from Quebec, soNomad offers flexible, affordable travel insurance well-adapted to the realities of frequent travellers. It is particularly appreciated by digital nomads, retirees, backpackers, or other globetrotters exploring regions like Africa for extended periods.

SoNomad also offers annual plans for frequent travellers, reducing the average cost per trip while simplifying coverage over the whole year.

Bottom Line

Africa is within reach thanks to points and miles. Whether with Aeroplan, Flying Blue, Avios, or another program, you have many options to organize your trip. By optimizing the use of your points for flights and accommodation, you can explore this fascinating region while saving money. Plan well and compare offers to maximize your rewards.

Annual fee
$191.88
Our valuation
$255

Milesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards 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 15,000 points
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 American Express Cobalt® Card is the best credit card from American Express, whether you want points for travel or cash back.

American Express Cobalt® Card welcome offer

The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.

Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.

You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.

You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:

  • 15,000 Aeroplan points
  • 15,000 Avios points
  • 15,000 Flying Blue Miles
  • 18,000 Marriott Bonvoy points

If hotel points are what you are after, our ultimate guide to Marriott Bonvoy and our complete map of Marriott Bonvoy hotels by category show what those points can actually buy.

American Express Cobalt® Card benefits

Here is what the card gives you, starting with the benefits cardholders use most.

  • 5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, home food delivery and convenience stores. A spend cap applies.
  • 3X points on eligible streaming subscriptions in Canada.
  • 2X points on eligible gas, public transit and ride sharing purchases in Canada.
  • 1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
  • 1X point per dollar on everything else, with no category restrictions.
  • Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
  • No minimum income requirement, as with every American Express Canada card.
  • Additional cards at no extra cost: the first and every other supplementary card is $0.
  • The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
  • Front Of The Line® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
  • A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.

To see how it compares with the rest of the line-up, read our round-up of the best credit cards from American Express in Canada.

The 5X categories and where they apply

The 5X rate is the reason most people carry this card. In Canada it covers four kinds of merchants:

  • Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
  • Restaurants and bars: sit-down meals, takeout and drinks.
  • Home food delivery.
  • Convenience stores: Couche-Tard, 7-Eleven.

The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.

With the American Express Cobalt® Card, you earn between 1 and 5 points per dollar:

Category Points per dollar
Grocery (Metro, IGA, Sobeys, Super C, etc.) 5
Home food delivery 5
Restaurants and bars 5
Convenience stores 5
Streaming services 3
Service station 2
Transport 2
Travel 1
Other 1

That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.

You can also stack these categories with the hundreds of stores that offer 5x points.

American Express Cobalt® Card insurance coverage

The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.

Travel insurance

  • Emergency medical: up to $5,000,000 for the first 15 days of a trip.
  • Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
  • Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
  • Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
  • Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
  • Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.

Rental car insurance

Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.

Mobile device insurance

Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.

Purchase protection and extended warranty

Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.

American Express Cobalt® Card fees

  • Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
  • Additional cards: $0.
  • Purchase interest rate: 21.99%.
  • Cash advance interest rate: 21.99%.
  • Foreign transaction fee: 2.5%.
  • Minimum income required: none.

Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.

Annual fee

Primary card$191.88
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xRestaurants
  • 5xGroceries
  • 5xConvenience
  • 3xStreaming
  • 2xTransit
  • 2xGas & EV
  • 1xAll spending

Value

1st Year Value$1,828
2nd Year Value$799

Transfer partners

  • AeroplanAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • Etihad GuestAirline
  • Flying BlueAirline
  • Hilton HonorsHotel
  • Marriott BonvoyHotel

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $250,000

Purchase protection

Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

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.