Earning Marriott Bonvoy points is not just about frequent travel. It is a matter of strategy. The Marriott Bonvoy program allows Canadians to quickly earn points and optimize their travel.
For a household with a high annual spending capacity, the sign-up bonus remains the fastest way to generate a significant balance in the first year. Indeed, each person in a couple can apply for both credit cards to earn Marriott Bonvoy points in large numbers. Then, you can transfer up to 100,000 points per calendar year to your partner.
Furthermore, these credit cards should be kept for the long term, as they offer an annual Free Night Award. This certificate can be used for a standard room costing up to 35,000 Marriott Bonvoy points. If the desired room exceeds this amount, you can top up the difference by adding up to 15,000 points, allowing you to book a room costing 50,000 points.
Everyday Earning to Get Marriott Bonvoy Points
Beyond the initial bonus, the strength of these cards lies in their simple and effective earning structure:
5 points per dollar spent at Marriott International properties
2 points per dollar on all other purchases
This steady accumulation helps grow a Marriott Bonvoy account in a predictable and sustainable way.
$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.
Milesopedia first-year estimateⓘFirst-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.
Apply with confidence — no impact on your credit scoreⓘApply 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.
Legal
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
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
$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.
Milesopedia first-year estimateⓘFirst-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.
Apply with confidence — no impact on your credit scoreⓘApply 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”).
[vc_row][vc_column][vc_column_text el_class="checkmarks"]This credit card has been the Best Business Credit Card in Canada for hotels for many years.
For a limited time, you can earn 50,000 points as a welcome bonus.
With this Card you can earn:
5 points per dollar on Marriott Bonvoy purchases
3 points per dollar on gas, dining and travel purchases
2 points per dollar on all other purchases
Also, as a Cardmember, you get many benefits such as:
An Annual Free Night Award for up to 35,000 points
15 Elite Night Credits each calendar year for your Marriott Bonvoy Elite Status
Automatic Marriott Bonvoy Silver Elite status membership
Finally, you are covered with reliable insurance for your travels and purchases.
Like most American Express Credit Cards, there is no minimum income required to apply for this Card.[/vc_column_text][/vc_column][/vc_row]
Legal
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
The Marriott Bonvoy® Business American Express®* Card is the best credit card for the self-employed, professionals and small business owners who travel.
With this welcome offer, you can earn up to 110,000 Marriott Bonvoy Points:
Earn 80,000 points after you spend $10,000 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 exceptional offer ends on September 22, 2026.
It’s a card we recommend you keep, because each year at renewal, you’ll get an Annual Free Night Award for up to 35,000 points, plus 15 Elite nights per year, counting towards your Marriott Bonvoy Elite status.
With this Card, you earn 5 points per dollar for all your spending at Marriott Bonvoy establishments, and you can earn 3 points per dollar for :
Gas
Dining
Travel
And 2 points per dollar on all other purchases.
Like all American Express Canada Cards, there is no minimum income requirement.
Annual fee
Primary card$150
Additional card$50
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
5xMarriott Bonvoy hotels
3xTravel
3xGas & EV
3xRestaurants
2xAll spending
Value
1st Year Value$1,520
2nd Year Value$347
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
Multiplier Effect to Earn Even More Marriott Points
The card directly impacts your Marriott Bonvoy status: it automatically gives you 15 Elite Night Credits per year, granting Silver Elite status upon approval. By spending $30,000 annually, you reach Gold Elite status, which increases the points earned on each stay. Elite status acts as a multiplier: the higher your level, the more points you earn on eligible stays. Thus, the card is not limited to earning points on your daily purchases; it also optimizes your return on every stay.
Earning Marriott Points – Transferring Your Membership Rewards Points
If you want to add a strategic layer to your earning, flexible points are an extremely interesting tool. The American Express Membership Rewards program allows you to transfer your points to Marriott Bonvoy, offering great flexibility in their use. The standard ratio is 1,000 Membership Rewards points for 1,200 Marriott points, but promotions, such as a 30% bonus, can turn 1,000 points into 1,560 Bonvoy points, significantly increasing the return.
For example, with the American Express Cobalt® Card, earning 5 points per dollar spent at grocery stores and restaurants can translate into roughly 7.8 Marriott Bonvoy points per dollar after transferring points. For families concentrating their grocery and dining spending on this card, the annual volume of Marriott Bonvoy points earned can quickly become significant. The major advantage is flexibility: you first earn transferable points and then decide where to transfer them, maintaining full strategic control over your points strategy.
$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.
Milesopedia first-year estimateⓘFirst-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.
Apply with confidence — no impact on your credit scoreⓘApply 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:
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.
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.
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.
Legal
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
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
How to Earn Marriott Points – Paid Hotel Stays
At its core, the Marriott Bonvoy program is based on a simple and particularly solid principle: you earn points every time you stay at a group property and pay an eligible rate. For most brands, the earn rate is 10 points per US dollar spent on eligible charges.
This means that every paid night, even for a standard room, becomes a concrete opportunity to fund a future stay.
How to Earn Marriott Points on Every Paid Stay
Some brands offer a slightly different return. Extended-stay or residential-style hotels, for example, generally grant 5 points per US dollar, while a few more specialized concepts offer 4 points per dollar.
Base Points per USD
Participating Brands
10 points
AC Hotels by Marriott, Aloft, Autograph Collection, Courtyard, Delta Hotels by Marriott, Design Hotels, EDITION, Fairfield, Four Points by Sheraton, Gaylord Hotels, JW Marriott, Le Méridien, The Luxury Collection, Marriott Hotels, Marriott Vacation Club, Moxy Hotels, Outdoor Collection by Marriott Bonvoy, Renaissance Hotels, The Ritz-Carlton, Sheraton, SpringHill Suites, St. Regis, Tribute Portfolio, W Hotels, Westin, MGM Collection with Marriott Bonvoy, All-Inclusive by Marriott Bonvoy
5 points
Apartments by Marriott Bonvoy, Four Points Express, City Express, Element, Homes & Villas by Marriott Bonvoy, Marriott Executive Apartments, Protea Hotels, Residence Inn, TownePlace Suites, Series by Marriott
4 points
StudioRes
It is important to understand that points are calculated only on eligible charges billed to the member under an eligible rate. Taxes and government fees do not earn points. Furthermore, a stay booked at a non-eligible rate will not entitle you to points, even if you make additional expenditures on-site. The golden rule therefore remains the same: booking directly with Marriott is essential for points to be credited, and make sure the rate qualifies for earning points.
Whether you are traveling to Las Vegas, Miami, New York, or Tokyo, Marriott Bonvoy offers a wide range of hotels suitable for every type of stay. From luxurious properties in Paris and Rome to more accessible hotels in Orlando, Key West, or Austin, every reservation allows you to earn Marriott Bonvoy points. Even beach destinations like Maui, Kauai, or Myrtle Beach offer unique experiences while contributing to your points balance. For fans of American or European cities, options are available in San Diego, Boston, Lisbon, Amsterdam, or Paris, allowing you to combine leisure and earning points.
Bonuses Based on Status
However, earning does not stop at the base rate. Your Elite status enhances the return. Elite members earn a percentage of additional points:
Silver Elite: 10%
Gold Elite: 25%
Platinum Elite: 50%
Titanium and Ambassador: 75%
Let’s take a simple example. If you spend USD 100 at a hotel offering 10 points per dollar, you earn 1,000 base points. With Platinum Elite status, you receive an additional 500 points, for a total of 1,500 points. For the same expenditure, your Marriott Bonvoy points earning increases significantly simply thanks to your status.
This is precisely what makes paid stays strategic. Well-planned, they are not just an expense, but an investment in your future travels.
Booking directly with Marriott is essential for points to be credited. Finally, a reservation made with points does not earn base points compared to reservations made with cash.
How to Earn Marriott Points – Dining at Hotels
Many Marriott Bonvoy members are unaware that it is possible to earn points without even staying overnight. Yet, the loyalty program allows you to earn Marriott Bonvoy points simply by consuming at a participating restaurant or bar located in a Marriott property.
Simply present your member number when paying the bill for eligible charges to be credited to your account. For professionals who regularly hold business meetings in downtown hotels, or for those who frequent high-end hotel restaurants for occasional outings, this strategy can generate interesting accumulation over the months. These are points that many leave on the table simply due to a lack of knowledge about the program.
If you stay at a Marriott hotel, charging all your expenses to your room, whether meals or services offered by the hotel, and settling the bill at checkout allows you to benefit from the multiplier linked to your elite status, thereby optimizing the points earned per dollar spent.
How to Earn Marriott Points – Marriott Hotel Services
Earning Marriott Bonvoy points is not limited to your room or restaurant spending. Many properties in the Marriott Bonvoy loyalty program offer additional services such as spas, golf courses, resort activities, or curated local experiences. When these expenses are eligible, they can also generate Marriott points, increasing the total points earned during your stay.
The key is always to link your Marriott Bonvoy account number to the transaction and, when staying on property, to charge eligible expenses to your room. This simple habit can make a noticeable difference, especially at resorts where additional spending can represent a significant portion of the total budget. Each service used then becomes another opportunity to increase the Marriott points earned during your stay.
How to Earn Marriott Points – Bonus Points Promotions
Beyond the regular earning mechanisms, the Marriott Bonvoy loyalty program regularly launches seasonal promotions that can turn an ordinary stay into a powerful accelerator for earning Marriott Bonvoy points.
Some campaigns allow you to earn thousands of additional points per stay, even for a single paid night. From experience, I have already obtained 500 bonus points during certain promotions and 2,500 points during others.
You must register for these promotions before booking to benefit from them. They are often temporary and require prior registration from your account. Planning your stays around these promotional periods can significantly increase your annual return without increasing your spending.
How to Earn Marriott Points – Event Planning
Events are one of the most powerful yet often underestimated ways to earn Marriott Bonvoy points quickly. Through the Marriott Bonvoy loyalty program, members can earn Marriott points by hosting meetings, conferences, weddings, or other eligible events at participating hotels and resorts.
Points are calculated on all eligible event expenses, including room rentals, food and beverages, and internal services such as audiovisual equipment. An organizer can earn up to 60,000 Marriott Bonvoy points per event from these expenses. For every block of 20 rooms booked, one Elite Night Credit is also awarded, up to a maximum of 20 credits per event, which can help accelerate earning or renewing elite status in the Marriott Bonvoy loyalty program.
Marriott Bonvoy members who already have Elite status also receive a points bonus, allowing them to reach up to 105,000 points per event in some cases.
For entrepreneurs, consultants, and executives who regularly organize corporate events, this strategy can quickly generate enough points to fund several free nights, or even a complete family stay.
How to Earn Marriott Points – Activities and Car Rental
The Marriott ecosystem goes far beyond the traditional hotel setting. Through its activity platform Marriott Bonvoy Tours & Activities, it is possible to book excursions, airport transfers, or car rentals while earning points.
These expenses, often unavoidable during a trip, contribute directly to your Bonvoy balance, allowing you to transform services you would have used anyway into an earning opportunity.
How to Earn Marriott Points – Marriott Bonvoy Cruises
The Cruise with Points by Marriott Bonvoy program adds an extra dimension by allowing you to earn 3 points per dollar spent on cruises. Plus, sometimes there are promotions offering up to 9 points per dollar on certain cruises! Members can also use their points to reduce the cost of a booking and benefit from a best price guarantee.
How to Earn Marriott Points – Buying Points During Promotions
Normally, buying points is generally not the most advantageous option from a financial perspective. However, when the Marriott Bonvoy program offers promotions with bonuses of 40% or more, this approach can become particularly strategic.
In specific contexts, buying points can allow you to top up an insufficient balance before a coveted reservation, secure a night in a high-end property at a cost significantly lower than the cash rate, or optimize the value obtained per point.
The wisest approach is always to compare the actual cost of acquiring points with the cash price of the targeted night to ensure that the operation generates a concrete and measurable advantage.
Bottom Line
Earning Marriott Bonvoy points effectively relies on a structured and intentional strategy rather than chance. Credit cards, transferring points, optimizing hotel stays, and systematically taking advantage of promotions form the pillars of a truly smart approach to earning Marriott points.
By applying these methods consistently and with discipline, you can often double or even triple dip: earn Marriott Bonvoy points during a hotel stay, earn 5X points per dollar spent with your Marriott Bonvoy credit card, and benefit at the same time from ongoing promotions. This approach helps maximize every expense and accelerate earning Marriott points more quickly.
Thus, you will be able to earn Marriott points throughout the year and turn your daily expenses into dream stays, while using your Marriott Bonvoy points to fund free nights or exclusive experiences.
How many Marriott points earn you a free night?
The number of Marriott Bonvoy points required generally varies between 5,000 and over 100,000 points per night depending on the hotel category, destination, and period. Dynamic pricing means that the cost in points can fluctuate based on demand.
How to quickly earn Marriott points?
The fastest way to earn Marriott Bonvoy points is to combine welcome bonuses from co-branded Marriott Bonvoy credit cards, transferring points from American Express Membership Rewards, and seasonal promotions. Adding optimized hotel stays with elite status can significantly accelerate earning Marriott points. A structured strategy can help you build a substantial points balance within the first year.
How much are 20,000 Marriott points worth?
The value of 20,000 Marriott Bonvoy points depends on usage, but it is often around 140 to 200 Canadian dollars in hotel value. This estimate varies depending on the hotel booked and the travel period. Using points for nights in expensive destinations generally maximizes their value.
Do Marriott points expire in Canada?
Yes, Marriott Bonvoy points expire after 24 months of inactivity on the account. Any eligible activity, such as a stay, a points transfer, or spending with a co-branded card, resets the clock. Maintaining regular activity therefore allows you to keep your balance indefinitely.
Is it better to pay for a Marriott hotel in points or cash?
The best choice depends on the cash price of the night and the number of points required at the time of booking. When the cash rate is high, using Marriott Bonvoy points can offer superior value. Systematically comparing the two options allows you to optimize every reservation and maximize the value per point.
$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.
Milesopedia first-year estimateⓘFirst-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.
Apply with confidence — no impact on your credit scoreⓘApply 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.
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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
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