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Delta SkyMiles: Ultimate Guide

Delta SkyMiles: Ultimate Guide
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Delta Airlines operates flights from eight hubs in the United States: Atlanta, Boston, Cincinnati, Detroit, Los Angeles, Minneapolis, Salt Lake City, and Seattle-Tacoma.

The loyalty program is Delta SkyMiles. With this program, you can accumulate and book flights on Delta Airlines or SkyTeam partners.

Delta SkyMiles – Program Overhaul

In 2023, Delta announced a major overhaul of its loyalty program, which was not universally well-received. After considerable criticism, management made adjustments. These changes are now in effect. Here’s what you need to know.

  • Spend-based status qualification: Unlike the previous system, status will be based solely on Medallion Qualifying Dollars (MQD) starting January 1, 2024. Here’s how the MQDs will be allocated:
Type of expenseEarnings in MQD
Flight marketed by Delta$ 1 MQD for every US dollar spent
Delta SkyMiles Platinum or Platinum Business card(U.S. credit card)$ 1 MQD for every $20 in purchases
Delta SkyMiles Reserve or Reserve Business card (American credit card)$ 1 MQD for every $10 spent
Car rental with Delta$ 1 MQD for every US dollar spent
Hotels booked through Delta$ 1 MQD for every US dollar spent
Delta Vacations vacation packages$ 1 MQD for every US dollar spent

Note that Medallion members with excess SQM can convert them to MQD at a 10:1 ratio, or to SkyMiles at a 2:1 ratio.

  • Changes to Choice Benefits for Platinum and Diamond members: a Delta Sky Club membership (worth two benefit choices), an MQD accelerator for next year’s status qualification ($1,000 USD for Platinum and $2,000 USD for Diamond), a SkyMiles bonus of 30,000 for Platinum members and 35,000 for Diamond members, a Delta travel credit of $300 USD for Platinum and $350 USD for Diamond, and a Wheels Up flight credit.
  • Status levels and qualification thresholds: To earn Delta SkyMiles Medallion status, you need to spend 5,000 MQD for Silver, 10,000 for Gold, 15,000 for Platinum, and 28,000 MQD for Diamond. These thresholds, in effect since 2024, remain unchanged for 2026 (status earned in 2027). *If you fly frequently with WestJet, it may be better to credit your flights to WestJet Rewards to achieve better status than with Delta SkyMiles.
  • Sky Club Lounge access: Major changes are also underway for Delta Sky Club lounge access, particularly for many U.S.-issued credit cards. Starting February 1, 2025, U.S.-issued American Express Platinum Card holders will be limited to 10 visits per year. These same members can enjoy unlimited access if they spend $75,000 or more each year on their card. It remains to be confirmed whether this rule will also apply to the American Express Platinum Card® and the Business Platinum Card® from American Express issued in Canada. Only one visit to a Sky Club per 24 hours is counted, so it is possible to visit several in the same 24-hour period, and this will count as one visit only.
  • Additional Sky Club access restrictions: If you’re traveling with Delta on a Basic Economy ticket or an equivalent ticket from a partner airline and you have an American Express card with lounge access, you will not receive Delta Sky Club access starting January 1, 2024.
Delta SkyMiles: Ultimate Guide - airplane

How do I create a Delta SkyMiles account?

The link to sign up for the Delta SkyMiles program is here. Creating an account is free of charge. Simply enter your personal information.

What are the Delta SkyMiles elite statuses?

The Delta SkyMiles program has four elite status tiers to reward customer loyalty: Silver Medallion, Gold Medallion, Platinum Medallion, and Diamond Medallion.

To earn Medallion status with Delta SkyMiles, you must accumulate a certain number of Medallion Qualification Miles (MQM) or flight segments (SQM) in addition to spending a certain amount of Medallion Qualifying Dollars (MQD).

So not only does he have to travel, he also has to pay a certain amount of money.

The following table shows the criteria to meet for Medallion status.

Delta SkyMiles: Ultimate Guide - SkyMiles Status

If you’re interested in U.S. credit cards, you don’t have to worry about MQDs if you carry more than US$25,000 on a card linked to Delta SkyMiles for Silver, Gold and Platinum status.

For Diamond Medallion status, you will need to spend over $250,000 USD on an affiliated card to waive this qualification requirement.

Delta SkyMiles Silver Medallion

Silver Medallion status is the first rung up the ladder. The one and only advantage of this status is :

  • upgrade to Comfort+ and first class on domestic and short-haul flights to Canada, the Caribbean and Central America (confirmed 24 hours before departure)

Delta SkyMiles Gold Medallion

Next, here are the benefits of Gold Medallion status:

  • upgrade to first class on domestic flights and short-haul international flights (confirmed 3 days before departure)
  • Comfort+ upgrade on all flights
  • same-day hold fees waived
  • baggage fees waived

Delta SkyMiles Platinum Medallion

In addition to the benefits of Gold Medallion status, you will receive :

  • upgrades (confirmed 5 days before departure)
  • fee waiver for premium ticket reservations
  • one choice benefit from: four regional upgrade certificates, a $100 USD credit for Global Entry, 20,000 SkyMiles, a travel credit or gift card of $200 USD, or gifting Silver Medallion status to another person

Delta SkyMiles Diamond Medallion

In addition to the benefits of Platinum Medallion status, you will have :

  • three choice benefits from: a Delta Sky Club membership, upgrade certificates, two $100 USD credits for Global Entry, 25,000 SkyMiles, a travel credit or gift card of $200 USD, or gifting Gold Medallion status to another person
  • CLEAR subscription

Delta 360°

This status level is obtained by invitation from Delta Airlines only. The company bases its decisions primarily on the amount of money spent with them, although this is not the only criteria.

Delta 360° members have access to a direct line with an agent who responds almost instantaneously. Additionally, they have a complimentary membership and unlimited access to the Delta Sky Club, which they can visit with up to 2 guests.

How do I collect Delta SkyMiles?

Earn SkyMiles on Delta Airlines flights

When you travel on Delta Airlines or its SkyTeam partners, you can earn Delta SkyMiles.

The number of Delta SkyMiles accumulated with its flights will depend on the base fare and your status. Therefore, the more expensive your plane ticket, the more Delta SkyMiles you will earn from that flight.

Here’s how many Delta SkyMiles you can earn for every dollar you spend with Delta Airlines:

StatusMultiplicator
Member without status5X
Silver Medallion7X
Gold Medallion8X
Platinum Medallion9X
Diamond Medallion11X
Delta SkyMiles: Ultimate Guide - airline

Earn SkyMiles on partner flights

Delta Airlines’ SkyTeam partners are :

  • Aerolineas Argentinas
  • Aeromexico
  • Air Europa
  • Air France
  • KLM Royal Dutch Airlines
  • Cape Air
  • China Airlines
  • China Southern
  • Czech Airlines
  • Garuda Indonesia
  • Kenya Airways
  • ITA Airways
  • Korean Air
  • Middle East Airlines
  • Saudia
  • TAROM
  • Vietnam Airlines
  • Xiamen

Delta Airlines also has « other » partners:

  • Hawaiian Airlines
  • LATAM
  • Virgin Atlantic
  • Virgin Australia
  • WestJet

Since these airlines are partners of Delta Airlines, you can collect Delta SkyMiles with its flights. However, the way in which the reservation is made will determine how the rewards are calculated and how many Delta SkyMiles are awarded. Accumulation details for each partner can be found here.

Indeed, if you make a reservation with Delta Airlines for an Air France flight, the number of SkyMiles earned will be similar to a flight operated by Delta Airlines. However, if you make a reservation on the Air France website for the same flight and enter your SkyMiles loyalty number, the total SkyMiles received will be based on the distance flown.

Delta SkyMiles: Ultimate Guide - plane

Collect SkyMiles with a credit card

In Canada, it is not possible to collect SkyMiles directly with a credit card. You will have to go through a points transfer partner.

To earn SkyMiles with a credit card, you will need to turn to U.S. credit cards. Cards affiliated with Delta SkyMiles are American Express cards; if you have a history with American Express Canada, it will be easier to complete a Global Transfer process.

  • Delta SkyMiles® Gold American Express Card
  • Delta SkyMiles® Platinum American Express Card
  • Delta SkyMiles® Prestige American Express Card
  • American Express Delta SkyMiles® Gold Corporate Card
  • American Express Delta SkyMiles® Corporate Platinum Card
  • American Express Delta SkyMiles® Prestige Corporate Card

Earn SkyMiles with points transfers

In Canada, there are two ways to earn Delta SkyMiles through transfer partners.

Loyalty ProgramExchange ratio
American Express Membership Rewards1 : 0,75
Marriott Bonvoy3 : 1 *

When you transfer Marriott Bonvoy points to the Delta SkyMiles program, you’ll receive a 5,000 mile bonus. Therefore, in this situation, an exchange of 60,000 Marriott Bonvoy points equals 25,000 Delta SkyMiles.

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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American Express points are easily transferred to your Delta SkyMiles account.

It’s the quickest and easiest way to earn miles outside the welcome bonuses of U.S. credit cards.

Delta SkyMiles: Ultimate Guide - exchange pp delta
Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$799Welcome offer
Up to 100,000 points
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Annual fee$250Welcome offer
Up to 60,000 points
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Annual fee$191.88Welcome offer
Up to 15,000 points
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Annual fee$0Welcome offer
10,000 points
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Earning SkyMiles Through Other Methods

Delta SkyMiles: Ultimate Guide - SkyMiles Shopping

How can I use Delta SkyMiles?

Delta Airlines and partner airlines

Delta Airlines is a member of the SkyTeam alliance. SkyMiles can therefore be used on flights operated by Delta Airlines as well as a large number of partners such as Air France, KLM Royal Dutch Airlines, Kenya Airways, Aeromexico, etc.

Canadians will be pleased to know that WestJet is also a partner of Delta Airlines, even though WestJet is not a member of SkyTeam.

Book a flight with SkyMiles

Delta Airlines is one of the first airlines to switch to dynamic pricing of award tickets. Therefore, you will need to search the Delta website to determine the number of SkyMiles required for your trip, as Delta Airlines does not publish an award chart.

Fortunately, the Delta SkyMiles search engine is easy to use and displays the various prices on a calendar to help you visualize your options.

Delta SkyMiles: Ultimate Guide - YUL ATL availability chart

Using SkyMiles for an upgrade

SkyMiles can also be used to upgrade to Comfort+ or Delta One class.

However, the process is not as transparent as one would hope; availability and the number of Delta SkyMiles required are not easy to find.

There are several types of upgrades with Delta Airlines

  • Free upgrade: on most domestic flights, for Medallion elite members
  • Global upgrade certificate: on all Delta Airlines flights and selected partners, for Diamond Medallion members
  • Regional upgrade certificate: on Delta Airlines domestic flights, for Platinum and Diamond Medallion members
  • Upgrade with SkyMiles: on Delta Airlines domestic flights at the time of booking and on certain international flights in fare classes Y, B, M, H, Q, or K.
  • Companion upgrade: for passengers travelling on the same reservation as a Medallion elite member
  • Standby upgrade: available for all passages at a cost and subject to availability.

Why Use Delta SkyMiles in Canada?

It’s clear that SkyMiles are harder to come by than Aeroplan points and Avios miles in Canada. So why dwell on this program?

  • Points portfolio diversification
  • Delta SkyMiles sweetspots

Diversifying your points portfolio

Since Membership Rewards points are easily accumulated, we can easily study all our options before booking a flight.

The points value calculation is often used to determine whether you should pay in points or in cash.

However, it is equally recommended to compare prices across various programs (Aeroplan, Avios, Asia Miles, etc.) and choose the best option for a given situation.

What’s more, when I pay cash for a ticket, I’m always collecting points somewhere, because I’m a member of Aeroplan (Star Alliance), Avios (OneWorld) and SkyMiles (SkyTeam). Therefore, I don’t have to limit myself to one program and can simply choose the flight that suits me or the least expensive flight.

However, I also hold accounts with several other programs such as Asia Miles, Flying Blue, JAL Mileage Bank, Krisflyer, etc., where I transfer points to book specific tickets. I exploit the sweetspots of all the programs.

Delta SkyMiles sweetspots

Delta Airlines’ Flash sales

Delta Airlines frequently offers flash sales on award tickets in North America as well as to certain international destinations in the Caribbean, Europe, and Asia!

In the past, I was able to book a round-trip Montreal-Atlanta-Sacramento for only 13,000 SkyMiles when the cost for a Star Alliance flight was 25,000 Aeroplan points under the old program. Similarly, I once found a round-trip Montreal-Atlanta-Tokyo for 48,000 SkyMiles.

These were situations where it was more advantageous to transfer my privilege points to SkyMiles than to Aeroplan.

Flights in North America

Since WestJet is a Delta SkyMiles partner, we have one more option when it comes to choosing our North American award tickets!

Delta SkyMiles: Ultimate Guide - YUL YYC summer availability chart
Delta SkyMiles: Ultimate Guide - YUL YYC with cash

For example, for a trip to Western Canada, the cost of award tickets with Aeroplan can be much more expensive than with SkyMiles. Therefore, this program should not be overlooked, especially if you have vacation dates during a busy period and are not flexible.

Delta SkyMiles: Ultimate Guide - YUL YYC with Aeroplan

Flights in South America

Since May 1, 2020, LATAM has left Oneworld for a partnership with Delta Airlines, and Aerolíneas Argentinas is a member of SkyTeam. Consequently, deals to South America and within the continent are frequent!

Indeed, you can find one-way flights for as little as 25,000 SkyMiles on LATAM compared to 40,000 Aeroplan points to get to South America.

Delta SkyMiles: Ultimate Guide - YUL GRU SkyMiles
Delta SkyMiles: Ultimate Guide - YUL GRU

What’s more, LATAM is the only airline serving Easter Island. Although it’s difficult to find availability on this Delta SkyMiles partner flight, it is possible. The flight from Santiago to Hanga Roa can be very expensive, so SkyMiles could help you save money on this trip.

Let me remind you that LATAM is a partner of Delta Airlines, not of the Air France/KLM group. So Flying Blue miles won’t get you to the island.

Finally, short-haul flights on LATAM and Aerolíneas Argentinas can be booked with SkyMiles. So you can visit the whole continent from the Amazon to Antarctica and Patagonia!

Conclusion

There are as many loyalty programs as there are airlines; the more you master the different ways to use your points, the more you can optimize them.

We don’t always think of Delta SkyMiles, but this program can save you money if you exploit sweetspots.

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.