Find out how to earn 105,000 Marriott Bonvoy points with a single credit card offering 5 points per dollar on everyday purchases.
How to get Marriott Bonvoy points with the Membership Rewards Program?
Marriott Bonvoy Points in Canada
But once you have 120,000 points (or even 240,000 points if you combine the points of a spouse or friend into one account), your points balance will not grow easily.
And don’t think about churning Marriott Bonvoy credit cards: American Express ended that in 2020. The lifetime welcome offer rule came fully into effect, accelerated by the COVID-19.
Membership Rewards and Marriott Bonvoy
American Express Membership Rewards is Canada’s best-known flexible points program.
You can transfer Membership Rewards points to partners such as Marriott Bonvoy. The conversion ratio is 1:1.2.
Thus, 10,000 Membership Rewards = 12,000 Marriott Bonvoy points.
The advantage of the Membership Rewards program is that it offers 6 credit cards for individuals and small businesses, providing multiple ways to earn even more Membership Rewards points or Marriott Bonvoy points!
105,000 points with the Cobalt Card
Every month you spend $500, American Express gives you 2,500 Membership Rewards points as a bonus (or 3,000 Marriott Bonvoy points). At the end of 12 months, this is therefore equivalent to 36,000 Marriott Bonvoy points.
And for a limited time, you can earn an additional 20,000 Membership Rewards points if you spend $3,000 within the first 3 months. That’s the equivalent of 24,000 Marriott Bonvoy points.
And by concentrating your minimum spending in the 5x categories (grocery, food delivery, convenience stores, restaurants), you could earn at least 50,000 Membership Rewards Points; or 60,000 Marriott Bonvoy points in one year ! To do this, you’ll need to spend at least $7,500 in the first 12 months (monthly breakdown shown in the table below).
Below, you can see the number of Marriott Bonvoy points earned over 12 months with the American Express Cobalt™ Card in the 5x points per dollar categories (which equals 6x Marriott Bonvoy points per dollar by transferring your points to this program):
|Month||Purchases||5x Categories||Monthly bonus||Total|
|1||$1,000||6,000 points||3,000 points||9,000 points|
|2||$1,000||6,000 points||3,000 points||9,000 points|
|3||$1,000||6,000 points||3,000 points + 24,000 points||27,000 points|
|4||$500||3,000 points||3,000 points||6,000 points|
|5||$500||3,000 points||3,000 points||6,000 points|
|6||$500||3,000 points||3,000 points||6,000 points|
|7||$500||3,000 points||3,000 points||6,000 points|
|8||$500||3,000 points||3,000 points||6,000 points|
|9||$500||3,000 points||3,000 points||6,000 points|
|10||$500||3,000 points||3,000 points||6,000 points|
|11||$500||3,000 points||3,000 points||6,000 points|
|12||$500||3,000 points||3,000 points||6,000 points|
|Total||$7,500||45,000 points||60,000 points||105,000 points|
105,000 Marriott Bonvoy points for $7,500 in Car purchases in 12 months, that’s a nice gain for Marriott Bonvoy point collectors!
And even if you don’t want to convert your 87,500 Membership Rewards points into 105,000 Marriott Bonvoy points, those points still have a value of $875 for any purchase charged to the Card!
This method is mainly intended for those who have already taken advantage of the Marriott Bonvoy credit card offers.
If you don’t have one of these, it’s a good idea to sign up for one of them first, as you could get a great welcome bonus:
The American Express Cobalt™ Card stands out against the two Marriott Bonvoy credit cards in its 5 Membership Rewards points per dollar earning categories (or 6 Marriott Bonvoy points per dollar).
Grocery, Food Delivery, Convenience Stores, Restaurants and Bars: for every dollar you spend, you will get the equivalent of 6 Marriott Bonvoy points, where the Marriott Bonvoy credit cards only offer 2 or 3 points.
So, if in the first year you spend the minimum monthly requirement at these stores at 6 Marriott Bonvoy points per dollar, you will earn 105,000 Marriott Bonvoy points ! Of course, if you spend more, you’ll get more points.
Actually, the only limit imposed by American Express is the limit of $30,000 in annual spending within the 5x categories (or 6 Marriott Bonvoy points per dollar), which equals $2,500 per month (that’s 15,000 Marriott Bonvoy points per month or 180,000 Marriott Bonvoy points per year)!
Reasonably, when compared to my average budget for a family of two adults and two children, $1,000 per month in grocery, food delivery, gift cards, SAQ, Amazon and gas purchased in grocery stores seems realistic. Especially since you can indirectly earn 5 points per dollar at hundreds of stores with gift cards.
With this type of budget, you could earn 6,000 Marriott Bonvoy points per month or 72,000 Marriott Bonvoy points per year.
Adding the welcome bonus equivalent to 60 000 points Marriott Bonvoy; that’s 132 000 points Marriott Bonvoy in 12 months! It’s up to you to calculate according to your monthly budget and your spending categories!
What do Marriott Bonvoy points offer you?
As mentioned in the introduction, these are for free hotel nights. You will have to use your points according to the Marriott Bonvoy chart composed of 8 hotel categories. The best deals are within category 1 to 4.
This could also be interesting for Disney Theme Parks (when staying outside of the parks).
This will save you a lot of money on accomodation!