Outside a promotion, an Atmos Rewards point costs 3.76 US cents, including federal excise tax, and about 4.33 cents for a Quebec resident once GST and QST are added.Buying Atmos Rewards points makes sense only when you already have a specific booking in mind. The latest offer, from July 30 to August 20, 2026, awarded 70% to 90% bonus points depending on the quantity purchased. The highest 90% tier started at 20,000 purchased points, bringing the cost down to 1.98 US cents per point, including federal excise tax.
The tiers appeared in the purchase store after signing in, and varied from one member to another. The offer advertised a bonus of “up to 90%”: the tier actually available differed by member.
The actual cost for a Canadian resident
The transaction is in U.S. dollars. Canadian residents also pay GST or HST, and Quebec residents pay QST.
At the 90% tier, a Quebec resident paid about US$865 for 38,000 points: US$700, plus 7.5% excise tax, then GST and QST (14.975%). That worked out to around 2.28 US cents per point, rather than 1.98 cents. Outside a promotion, those same taxes bring 1,000 points to US$43.26 for a Quebec resident, or 4.33 cents per point. The exact total appears at checkout before you confirm.
$500ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$500Total$500Rewards 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$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Exclusive welcome offer: earn up to $500 cash back on your first $10,000 in purchases during the 30 days after approval, for 5% cash back (2% base + 3% boost).
Purchases in the first 30 days
Base cash back (2%)
Boost (3%)
Total cash back (5%)
$2,500
$50
$75
$125
$5,000
$100
$150
$250
$10,000
$200
$300
$500
The 3% boost only applies to the first $10,000 in net purchases during the 30 days after approval; beyond that, purchases earn the standard 2%. The card must stay open for 180 days after the boosted period.
With the Wealthsimple Visa Infinite + Card, earn 2% cash back on all your purchases, with no categories to track and no cap.
In addition, there are no foreign exchange fees on any purchase made in a currency other than the Canadian dollar, and no annual fee if you hold more than $100,000 in assets with Wealthsimple, or if you transfer the direct deposit of an eligible payroll to Wealthsimple.
To be eligible for this card, you must meet one of the following: a personal income of at least $80,000, a household income of at least $150,000, a minimum annual spend of $25,000, or at least $300,000 in assets with Wealthsimple.
Some travel insurance is not currently offered to Quebec residents.
Legal
Annual Fee Waiver
The Annual Fee (“Fee”) for the Wealthsimple Visa Infinite* or Wealthsimple Visa Infinite Privilege* credit card (“Card”) is $240 and is charged monthly at $20. The monthly fee is charged when the Card is issued (regardless of activation) and is billed to the first statement and once a month thereafter, unless this Fee is waived. Waiving the Fee is a promotional offer (“Fee Waiver Offer”) and requires clients to meet specific criteria to qualify and continue having the Fee waived. The Card Fee is automatically waived for any client with a Premium or Generation status, and the Fee will continue to be waived so long as that status is maintained. The Fee Waiver Offer is also available to Core clients who direct deposit at least $4,000 per month into their Wealthsimple Chequing Account (“Chequing Account”) within the preceding 30-days. Only direct deposits classified by Payments Canada as pre-authorized transactions with transaction codes ranging from 200 to 207, 310, 311, and 318 would be considered eligible. (“Qualifying Deposit”). If a Core client doesn’t make a Qualifying Deposit, or if a Premium or Generation client cannot maintain their status and becomes a Core client without a Qualifying Deposit, the monthly fee of $20 will be added to their next statement and continue to be charged until a Qualifying Deposit is confirmed.
For residents of Quebec: The Quebec Annual Fee (“Annual Fee”) for the Wealthsimple Visa Infinite* or Wealthsimple Visa Infinite Privilege* credit card is $240 and is charged when the Card is issued (regardless of activation) and is billed to the first statement and once a year thereafter. Waiving the Fee is a promotional offer (“Quebec Fee Waiver Offer”) and requires clients to meet specific criteria to qualify. The Annual Fee is automatically waived for any client with Premium or Generation status at the time the Card is issued. If a Core client obtains Premium or Generation status after the Annual Fee has been applied, a prorated refund will be issued for the number of months remaining in the current twelve (12) month period, which starts on the anniversary of the Card issuance date (“Card Year”) from the month eligibility is obtained ($20 per month). The Quebec Fee Waiver Offer is also available to Core clients who direct deposit at least $4,000 per month into their Chequing Account within the 30-days preceding the time the Card is issued. Only direct deposits classified by Payments Canada as pre-authorized transactions with transaction codes ranging from 200 to 207, 310, 311, and 318 would be considered eligible. (“Qualifying Deposit”). If a Core client starts making Qualifying Deposits after the Annual Fee has been applied, a prorated refund will be issued for the number of months remaining in the current Card Year from the month eligibility is obtained ($20 per month).
Credit Card Rewards (Cashback Offer)
The cash back promotional offer (“Cashback Offer”) is valid for new and existing users of the Card. The 2% earn rate, which may be subject to change, applies to purchases, excluding cash-like transactions, refunds, any applicable fees and adjustments (“Qualified Spend”). Cash back credits are earned on Qualified Spend only. You may redeem your cash back as soon as the Qualified Spend transaction is settled or up to 10 years after the Qualified Spend transaction is settled. Cash back can be redeemed directly in the app. Cash back can only be deposited into your Wealthsimple chequing, TFSA, RRSP, or non-registered accounts. There is no minimum amount needed to redeem. If a refund is processed after the Cash back credit is redeemed, the amount will be deducted from your rewards balance.
General Terms and Conditions
Wealthsimple Payments Inc. (“Wealthsimple”) reserves the right to amend, withdraw or restrict the Fee Waiver Offer or the Cashback Offer at any time without notice. Wealthsimple is the sole arbiter of these rules, the eligibility criteria, and any other issue arising in connection with the Fee Waiver Offer or the Cashback Offer. If Wealthsimple suspects fraud or abuse, system manipulation, or a violation of these terms, Wealthsimple reserves the right to remove all promotions from the Wealthsimple account in question and take any other action it deems appropriate, including the termination of the card in question. An invitation to participate in the Fee Waiver Offer or the Cashback Offer does not constitute a guarantee that the recommended person will be accepted as a Wealthsimple client. The Fee Waiver Offer and the Cashback Offer are only available to individuals residing in Canada who meet Wealthsimple’s eligibility criteria. The Wealthsimple Visa Infinite +* Credit Card is issued under license by Wealthsimple Payments Inc. * Trademark of Visa Int., used under license.
Wealthsimple is not responsible for maintaining the accuracy of information on this website. Refer to Wealthsimple’s page for more details.
Terms and conditions apply. For the latest product details, please visit Wealthsimple.com.
Annual fee
Primary card$240
Additional card$0
Annual income required
Individual$80,000
Household$150,000
Conversion fees
0%
Earning rate
2xAll spending
Value
1st Year Value$800
2nd Year Value$240
Travel insurance
Travel medical (under 55)Up to $2,000,000 / 14 days
Travel medical (55-64)Up to $2,000,000 / 14 days
Trip CancellationUp to $1,000
Trip InterruptionUp to $1,000
Delayed BaggageUp to $500
Lost BaggageUp to $749
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000
Atmos Rewards: tiers in the latest offer
The base price is US$35 per 1,000 points and applies at all times, with or without a promotion. A 7.5% U.S. federal excise tax is added. Here is what each tier of the latest offer delivered:
This excise tax often comes as a surprise, so let us clarify it now. It is a 7.5% U.S. federal tax on the transaction, regardless of where you live. Points.com collects it on behalf of Alaska Airlines, which is responsible for remitting it to the U.S. government.
It is therefore neither avoidable nor negotiable, and it applies before Canadian taxes. That is why the advertised price of US$35 per 1,000 points is never what you actually pay.
Points purchased
Bonus
Total received
Base price
Cost per point
3,000
70% (2,100)
5,100
US$105
2.21 US cents
10,000
80% (8,000)
18,000
US$350
2.09 US cents
20,000
90% (18,000)
38,000
US$700
1.98 US cents
100,000
90% (90,000)
190,000
US$3,500
1.98 US cents
Purchases of 1,000 or 2,000 points received no bonus: the cost was 3.76 US cents per point. That is also the price outside a promotion, regardless of quantity. The threshold to aim for was 20,000 points, where the 90% bonus began.
Purchase limits and increments
You can buy or receive as a gift a maximum of 150,000 points per calendar year. Atmos Silver, Atmos Gold, Atmos Platinum and Atmos Titanium members have no annual limit.
Per transaction, purchases are made in increments of 1,000 points up to 60,000 points, then in increments of 5,000 points up to a maximum of 100,000 points.
Purchased points are non-refundable and do not count as status points, toward milestone rewards or toward an Atmos tier.
This lets you save 2.5% in fees on this points purchase. On a US$865 bill, avoiding foreign transaction fees is worth about US$22, and the Wealthsimple card's 2% cash back adds nearly US$17.
Click a card’s name to see its full details and current welcome bonus.
Only if you already have a specific booking in mind. I value Atmos Rewards points at 1.8 US cents, or about 2.4 Canadian cents. Even at the best tier of the latest offer, you were already paying above that valuation. Outside a promotion, at 3.76 cents, there is no debate.
In other words, buying “just in case” makes no sense at this price. The calculation only changes when you target a high-value redemption, which is where the program remains worthwhile. I return to the best redemptions below.
That transfer comes down to three numbers: 60,000 Marriott Bonvoy points become 25,000 Atmos points, bonus of 5,000 included, an effective ratio of 2.4 to 1. At our valuation of 0.9 cents per Bonvoy point, those 25,000 points cost C$540, or 2.16 cents per Atmos point. At the exchange rate used above, buying directly costs closer to 5 cents per point outside a promotion, and nearly 5.80 cents for a Quebec resident. If you already hold Bonvoy points, transferring costs less than half as much.
The strengths of Atmos Rewards
Alaska Airlines joined the oneworld alliance on March 31, 2021, opening access to a long list of partners. Atmos Rewards retains that access and adds the Hawaiian Airlines network.
The award chart changed in December 2022: the number of points required for a ticket now depends on distance and departure region, and varies with demand.
It was then revised in March 2024 around different geographic regions, and redemption limits between certain regions were removed. Good news for travellers targeting long itineraries.
A free stopover on a one-way flight
Atmos Rewards still allows members to add a free stopover on a one-way flight for most award tickets.
For example, you can travel from Boston to Singapore while stopping for several days in Tokyo.
Many partners
Over the years, Alaska Airlines has diversified its partners across different airline alliances: Cathay Pacific, Fiji Airways, Qantas and Icelandair.
Here are the Atmos Rewards redemptions I watch closely. They are the ones that can justify buying points, because they deliver far more value than the purchase price, even at the best tier of the latest offer.
Remember that the free stopover on a one-way flight also applies to these tickets:
Japan Airlines First Class from North America to Asia for 70,000 points
Cathay Pacific Business Class from North America to Australia for 60,000 points
Fiji Airways Business Class from North America to Australia or New Zealand for 55,000 points
Icelandair Business Class from North America to Europe for 55,000 points
In practical terms, at the 90% tier, 37,000 purchased points yielded 70,300 points for US$1,295, or US$1,392 including excise tax. Enough for a one-way First Class flight to Asia with Cathay Pacific or Japan Airlines, including a free stopover.
Conclusion
Buying Atmos Rewards points makes sense in only two situations: a very specific travel goal, or a balance that needs a few thousand extra points to unlock a ticket you have already found.
Outside those two cases, even at the best tier of the latest offer, you pay more than the point is worth on average. From Canada, the only other routes remain transferring Marriott Bonvoy points and the VIPorter partnership.
No. The latest offer accepted transactions between July 30, 2026, at 6 a.m. and August 20, 2026, at 11:59 p.m. Pacific time. Since then, the price has returned to US$35 per 1,000 points without a bonus. Alaska runs these offers several times a year.
What is the maximum bonus?
90%, starting at 20,000 purchased points. Intermediate tiers were 70% from 3,000 points and 80% from 10,000 points. Purchases of 1,000 or 2,000 points received no bonus.
How much does a point cost with the bonus?
1.98 US cents at the 90% tier, including the 7.5% U.S. federal excise tax. A Quebec resident paid 2.28 cents once GST and QST were added, while residents of other provinces paid an intermediate amount depending on the applicable GST or HST. Outside a promotion, a point costs 3.76 US cents, and 4.33 cents for a Quebec resident once GST and QST are added.
Why is there a 7.5% U.S. tax?
It is a U.S. federal excise tax on points purchases. Points.com collects it on behalf of Alaska Airlines, which must then remit it to the U.S. government. You pay it even as a Canadian resident, and it is added to the advertised price before GST, HST or QST.
Is there a purchase limit?
Yes: 150,000 points per calendar year, combining purchases and gifts received. Atmos Silver, Atmos Gold, Atmos Platinum and Atmos Titanium members have no annual limit. The maximum per transaction is 100,000 points before the bonus.
Do purchased points count toward status?
No. They are redeemable points only: they count neither toward milestone rewards nor toward Atmos Silver, Atmos Gold, Atmos Platinum or Atmos Titanium.
Are points purchases refundable?
No, purchased points are non-refundable. Confirm award ticket availability in the booking engine before paying, never after.
Can you earn these points in Canada?
No Canadian credit card has earned Atmos Rewards points since November 27, 2022. The only routes from Canada are Marriott Bonvoy points transfers and Porter's VIPorter partnership, in addition to direct purchases.
$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”).
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
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.
