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

Miles & More: The Lufthansa Loyalty Program Guide

Miles & More: The Lufthansa Loyalty Program Guide
Share

Miles & More, Lufthansa’s loyalty program, is one of the best-known frequent flyer programs and the largest one in Europe. Lufthansa has overhauled the program significantly in recent years, on both the status and the award redemption side. Here is where things stand and what it means for Canadian travelers.

What is Miles & More?

Miles & More, launched initially in 1993, is Lufthansa’s loyalty program, encompassing not only the Lufthansa (parent) airline but also by now all its subsidiaries (incl. Eurowings finally since this year!) and is connected with its numerous Star Alliance partners.

The program offers a tiered structure with four membership levels starting with

  • Member (with registration)
  • Elite status members Frequent Traveller
  • Senator
  • HON Circle

Each grants escalating benefits such as priority services, (differing) lounge access, increased baggage allowance, service levels and exclusive promotions.

Types of Miles

Historically, members could earn varying types of « miles » that served as Miles & More’s currencies. Here is how that structure breaks down.

Award Miles

Award Miles are the standard currency for redeeming rewards within the Miles & More program. Members accumulate these miles through flights (not related to the status miles), credit card spending, and various non-flight activities – during/with Covid, the latter has become interesting for all “non-frequent” flyers and proved to be an exciting way to earn e.g. your next special flight! Main redemption options include award flights, upgrades, hotel stays, car rentals, and merchandise. Shelf life is a min. of 36 months with ways to prevent expiry (e.g., via elite status or credit cards).

Status Miles (or Qualifying Miles)

These miles determine a member’s status within the program. They can be earned only via flights and are calculated based on the distance flown and the booking class (i.e., not flight class). Status Miles contribute to achieving and maintaining elite status levels like Frequent Traveller (FTL), Senator (SEN), and HON Circle (HON). These are usually earned on an annual basis and expire at the end of the year.

Executive Bonus Miles

Elite-status members receive additional status miles as a bonus on top of the standard miles earned from flights, providing an extra incentive for loyalty.

HON Circle Miles

Specifically designed for achieving and retaining the most exclusive status, the top-tier HON Circle status, these miles are earned only with business and first-class flights on fully integrated Miles & More partners (listed below) over two consecutive years.

Select Miles

These miles can also only be earned at fully integrated partners, yet mainly via flight activities (in all booking classes though). Some promotions and offers may provide members with special Select Miles, offering additional bonuses on qualifying activities. These miles can boost a member’s overall balance and/or perks, but mainly only relevant to elite-status members due to the high requirements.

Status Stars (yes…the only “non-Mile” currency)

While not technically miles, Status Stars are earned based on the length and status of the membership in the program. The main benefit is the invitation to exclusive VIP events…only relevant to you if you have way too many miles (I never valued any of the events as exclusive enough to spend my precious miles which I’d rather spend on nice flights…the corresponding value per mile was much higher for business or first class flights!).

The Status Program Overhaul

Alongside the award pricing changes covered above, the status program of Miles & More was also restructured: instead of the various miles, all members now earn points. Beyond a simple change of terms, it is a significant restructuring of the program logic and, for most members, an overall negative change.

The Good Ones…

The good news first: The program will become simpler and more transparent by decreasing its complexity with some innovations.

Qualification Period and Validity

Qualification period and validity are simpler. The qualification period will be one calendar year for all status levels. So, if you achieve or renew your status, it will be valid right away and finish at the end of February of the year after next. For example, if you reach your next status level in August 2024, it will be valid until the end of February 2026.

Currencies

There will be “only” three currencies and the elite status is more exclusive. To simplify, I think of Points and Qualifying Points instead of Status Miles, and HON Circle Points instead of HON Circle Miles. All levels become more exclusive as it will be harder to reach and maintain them…whether that is good is for you to decide.

New Setup

Some “exotic” new setup might enable you to reach elite status. Previously rather impossible setups are now possible (e.g., reaching SEN via a pure number of flights which was only possible for FTL…).

Concise Table

Understanding how many points you will earn becomes easier. Instead of booking classes (i.e., the “letters” that you have seen on your ticket or reservations) points will be given based on your travel class (i.e., such as Economy or Business that can contain various of the former booking classes) – see the table below (which would not have been possible before…especially this concise!).

Economy ClassPremium Economy ClassBusiness ClassFirst Class
Cont20204040
Intercont6080200300

Lifetime Status

There will be an official lifetime status! Frequent Traveller Lifetime will be completely new and Senator Lifetime will be now official – also for people below 65 without flying a lot before their retirement…  The new currency of (Lifetime) Qualifying Points enables this: 30,000 Qualifying Points for Frequent Traveller Lifetime status and after accruing 40,000 Qualifying Points, you will achieve Senator Lifetime status. The current Status Stars pointswill be converted in a ratio of 1:2 into Qualifying Points.

… and the Bad Ones

Now unfortunately the bad news: for most people, it will be much harder to reach and maintain status – focus will be required!

Higher Status Requirements

Status requirements are higher…and more complex. You will need to fulfil two differing Status Mile – pardon – Points requirements.

  • For FTL, you need to collect 650 Points, of which at least half must be earned on flights operated by Miles & More partner airlines (i.e., leading to 325 Qualifying Points; list of the airlines below).
  • SEN status is awarded after 2,000 Points and 1,000 Qualifying Points (i.e., again, half of the Points must be earned on flights operated by Miles & More partner airlines).
  • For HON, you need to collect at least 6,000 HON Circle Points (!) which is…demanding as it would be the equivalent of 30 intercontinental flights in business class!
Frequent TravellerSenatorHON Circle
Points6502,000
Qualifying Points3251,000
HON Circle Points6,000

Shorter Validity

Elite status validity is much shorter. In the old program, your elite status was valid for at least two years (the current year when reaching it + 2 full calendar years afterwards + until end of February of the fourth year). Ideally, this led to 3+ years of status and you could use one of the two years to re-qualify – rather a marathon with sprints in between. So for old SENs like me, we used the other remaining “dead earning year” to earn/maintain status in other programs (such as at SkyTeam or Oneworld).

In the new program, you will need to re-qualify every single year to maintain the status which will be a constant sprint. I do see the logic of letting flyers be loyal only to Miles and More airlines, but this shortened validity did not come with generally lower, but on the opposite rather higher requirements! This makes me question whether all the elite status benefits are needed or whether I would leverage other ways (e.g. American Express Platinum Card benefits incl. Priority Pass, UpTrip vouchers).

Annual fee
$799
Our valuation
$1,700
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,700Total$1,700Rewards 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
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”).

Terms of the offer

  • Unlock special experiences with the newly designed metal Platinum Card
  • New Platinum® Cardmembers, earn 25,000 Welcome Bonus Membership Rewards® points when you charge $2,000 in purchases to your Card in the first three months of Cardmembership
  • Earn 3 points for every $1 in Card purchases on eligible dining in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
  • You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service
  • Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1200 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
  • Enjoy complimentary benefits that offer an average value of $550 USD at over 1,000 extraordinary properties worldwide when you book Fine Hotels & Resorts.
  • Platinum Cardmembers can enjoy access to special events and unique opportunities
  • Enjoy premium benefits at the Toronto Pearson Airport including security bypass, complimentary valet car service and discount car care and parking
  • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts®, Radisson Hotel Group Hotels and Resorts, Hertz® and Avis®
  • As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
  American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply

The Platinum Card® is the best premium card in Canada for travellers.

With this welcome offer, you can earn up to 100,000 Membership Rewards® points:

  • 70,000 points after charging $10,000 to your Card in your first 3 months of Cardmembership
  • 30,000 points when you make a purchase between the 15th and 17th month after your Cardmembership begins

With this Card, you get:

  • 2 points per $1 on eligible dining and delivery purchases in Canada
  • 2 points per dollar on eligible travel purchases charged to the Card
  • 1 point per $1 on all other purchases charged to the Card

You can use your Membership Rewards® points in many ways:

  • Transfer points to airline partners: Aeroplan, Avios (British Airways / Qatar Airways), Flying Blue, Delta SkyMiles, etc.
  • Transfer points to hotel partners, including Hilton Honors and Marriott Bonvoy
  • Redeem points for statement credits to offset any travel purchase charged to your Card (1,000 points = $10)
  • Redeem points for statement credits towards other purchases (1,000 points = $10)
  • And more!

For example, with this welcome offer, if you decide to transfer your Membership Rewards® points to a partner loyalty program, you could earn up to:

  • 100,000 Aeroplan points
  • 100,000 Avios
  • 100,000 Flying Blue Miles
  • 120,000 Marriott Bonvoy points

With this card, you also have advantages for your travels:

  • $200 Annual Travel Credit
  • An annual meal credit of $200
  • A $100 statement credit for NEXUS membership
  • Complimentary access for you and one additional guest to more than 1,550 airport lounges in over 140 countries
  • Hilton Honors Gold status
  • Marriott Bonvoy Gold Elite status
  • Access to the Fine Hotels + Resorts program

Last but not least, The Platinum Card® offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

Annual fee

Primary card$799
Additional card$250

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 2xTravel
  • 2xRestaurants
  • 1xAll spending

Value

1st Year Value$1,482
2nd Year Value$470

Transfer partners

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

Card benefits

Concierge service24/7
Airport lounge access$400
Travel creditsIncluded

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $1,000
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

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

No More “Soft Landing”

“Soft landing” of elite status is gone. The old program used to really take care of you landing softly…also in terms of membership status. Once you have earned the higher tier and couldn’t maintain it, you would land softly onto the next lower tier with all its benefits and validity!

Beforehand, earning HON could give you elite status for 7+ years! For example, earning HON in June 2016 gave you elite status until at least the end of February 2023 (HON status until Feb 2019 + SEN until Feb 2021 + FTL until Feb 2023). Again, instead of a marathon, prepare for running annual sprints!

Term Definitions

Term definitions are in the program’s favour. Miles & More had four years to fine-tune the program and also actively reacted to some of the “feedback” in the frequent flyer community. Elite status-earning “sweet spots” that were quickly discovered after the initial announcement disappeared by now.

Instead of following the official IATA definitions of “Intercont”, North Africa was grouped with Europe. So no more status runs via short hops over the Mediterranean Sea possible.

Conclusion

Of course, everything has its pros and cons – and a well-balanced program is crucial for its acceptance and ultimately success. Despite some of the major disadvantages of the new program, the overall changes seem reasonable, especially when compared with the overall development in the aviation industry with its loyalty programs becoming more “exclusive ». The pandemic of the previous years was a hard hit that is long over (with record earnings for many airlines by now!), but it triggered many of the now visible changes and follows an overall trend of gaining more loyal and especially paying customers (e.g., the previous introduction of the spend-based award miles).

As mentioned above, existing members have received the new T&Cs as an FYI (opt-out)… Otherwise, you cannot continue participating. Thus, let’s make the best out of it: if you are close to an elite status, leverage the remaining weeks for a mileage run (which I have actually never done… not only for the environment), but this year, it might be worth it. Perhaps, combine it with a last-minute exotic Christmas trip?!

What do you think of the changes? Let me know in the comments and I’d love to hear your feedback and/or questions!

Annual fee
$799
Our valuation
$1,700
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,700Total$1,700Rewards 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
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”).

Terms of the offer

  • Unlock special experiences with the newly designed metal Platinum Card
  • New Platinum® Cardmembers, earn 25,000 Welcome Bonus Membership Rewards® points when you charge $2,000 in purchases to your Card in the first three months of Cardmembership
  • Earn 3 points for every $1 in Card purchases on eligible dining in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
  • You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service
  • Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1200 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
  • Enjoy complimentary benefits that offer an average value of $550 USD at over 1,000 extraordinary properties worldwide when you book Fine Hotels & Resorts.
  • Platinum Cardmembers can enjoy access to special events and unique opportunities
  • Enjoy premium benefits at the Toronto Pearson Airport including security bypass, complimentary valet car service and discount car care and parking
  • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts®, Radisson Hotel Group Hotels and Resorts, Hertz® and Avis®
  • As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
  American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply

The Platinum Card® is the best premium card in Canada for travellers.

With this welcome offer, you can earn up to 100,000 Membership Rewards® points:

  • 70,000 points after charging $10,000 to your Card in your first 3 months of Cardmembership
  • 30,000 points when you make a purchase between the 15th and 17th month after your Cardmembership begins

With this Card, you get:

  • 2 points per $1 on eligible dining and delivery purchases in Canada
  • 2 points per dollar on eligible travel purchases charged to the Card
  • 1 point per $1 on all other purchases charged to the Card

You can use your Membership Rewards® points in many ways:

  • Transfer points to airline partners: Aeroplan, Avios (British Airways / Qatar Airways), Flying Blue, Delta SkyMiles, etc.
  • Transfer points to hotel partners, including Hilton Honors and Marriott Bonvoy
  • Redeem points for statement credits to offset any travel purchase charged to your Card (1,000 points = $10)
  • Redeem points for statement credits towards other purchases (1,000 points = $10)
  • And more!

For example, with this welcome offer, if you decide to transfer your Membership Rewards® points to a partner loyalty program, you could earn up to:

  • 100,000 Aeroplan points
  • 100,000 Avios
  • 100,000 Flying Blue Miles
  • 120,000 Marriott Bonvoy points

With this card, you also have advantages for your travels:

  • $200 Annual Travel Credit
  • An annual meal credit of $200
  • A $100 statement credit for NEXUS membership
  • Complimentary access for you and one additional guest to more than 1,550 airport lounges in over 140 countries
  • Hilton Honors Gold status
  • Marriott Bonvoy Gold Elite status
  • Access to the Fine Hotels + Resorts program

Last but not least, The Platinum Card® offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

Annual fee

Primary card$799
Additional card$250

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 2xTravel
  • 2xRestaurants
  • 1xAll spending

Value

1st Year Value$1,482
2nd Year Value$470

Transfer partners

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

Card benefits

Concierge service24/7
Airport lounge access$400
Travel creditsIncluded

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $1,000
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

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

FAQ

How Does Miles and More Work?

Miles & More is Lufthansa’s loyalty program, encompassing not only the airline but also its subsidiaries and numerous Star Alliance partners. The program offers a tiered structure with membership levels such as Member, Frequent Traveller, Senator, and HON Circle, each granting escalating benefits (e.g., priority services, lounge access, and exclusive promotions).

How Do I Collect Miles and More Miles and Points?

Members earn miles mainly through flights with 40 airlines. Additionally, spending with co-branded credit cards or utilising various (300+) partners & services through the Miles & More network (in travel, mobility, entertainment, shopping and finance, as well as with conversion offers) contribute to mile /point accumulation.

How Can I Use Miles and More Miles and Points with Lufthansa?

Redemption options include mainly award flights, upgrades, hotel stays, car rentals, and merchandise. The program’s flexibility allows members to tailor rewards to their preferences, but flight-related awards usually have the highest value for miles/points.

How Can I Contact Miles and More by E-Mail?

Miles & More primarily handles customer inquiries through their online contact form on their official website. To reach Miles & More customer support in writing, follow these general steps:

  • Visit the Miles & More Official Website
  • Log In to Your Account (more convenient as it then pre-fills your information)
  • Find the section “Contact Us” or “Support” (usually located in the footer or header of the page). You will then receive an answer via email and you can take it from there!

Is SWISS a Member of Miles and More?

Yes, SWISS International Air Lines is a member of the Miles & More program. As Miles & More is Lufthansa’s frequent flyer program, it encompasses not only Lufthansa itself but also its subsidiaries and various partner airlines within the Star Alliance network.

Is Luxair a Member of Miles and More?

Yes, as Luxair is a long-term, fully integrated partner of Miles & More, it is possible to earn award and status miles on every scheduled flight with Luxair Luxembourg Arlines. On flights in Business Class, you can also earn HON Circle miles.

Which Airlines are Miles & More and Lufthansa Partners?

With Miles & More, you can earn and redeem miles with ±40 airlines. First the fully integrated Miles & More partners (besides Lufthansa and all its subsidiarie, Austrian Airlines, SWISS & Edelweiss, Brussels Airlines, Air Dolomiti, Eurowings & Eurowings Discover), and then the airlines within the Miles & More family, LOT, Luxair, and Croatia Airlines. Of course, all Star Alliance airlines are partners as well: Aegean Airlines, Air Canada, Air China, Air India, Air New Zealand, All Nippon Airways, Asiana Airlines, Avianca, Copa Airlines, Egypt Air, Ethiopian Airlines, EVA Air, SAS, Shenzhen Airlines, Singapore Airlines, South African Airways, TAP Portugal, Thai Airways, Turkish Airlines, and United Airlines. Furthermore, you have independent Miles & More partners for e.g. code-share flights: Cathay Pacific, LATAM Airlines, Olympic Air, Air Astana, Air Malta, Vistara. As changes can happen, you can always the Miles & More Official Website for the latest list of partners.

Is the cost of Miles & More award tickets fixed?

Not anymore for the Lufthansa Group. Since June 3, 2025, Lufthansa, SWISS, Austrian, and Lufthansa City flights use dynamic pricing: the mileage cost follows the cash fare. Since March 3, 2026, Discover Airlines and Air Dolomiti do the same. A fixed chart remains for Eurowings, Brussels Airlines, LOT, Croatia Airlines, and Luxair.

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.