American Express changed their SPG Credit Card in Canada. We look at the new Marriott Bonvoy™ American Express® Card Review. Sign up and earn a welcome bonus of 50,000 points after charging $1,500 in purchases to your credit card within your first three months.
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Bon voyage, SPG Credit Card! Hello, Marriott Bonvoy™ American Express® Card! In 2019, Marriott Rewards and Starwood Preferred Guest (SPG) merged their loyalty programs and discontinued the ever-popular Amex SPG Card. But it’s been replaced with a new kid on the block: The Marriott Bonvoy™ American Express® Card. With outstanding rewards, a generous welcome bonus that equals 3 free nights, and no qualifying income required, we look at why the Marriott Bonvoy™ American Express® Card is one of the best rewards credit cards in Canada.

The Marriott Bonvoy™ American Express® Card: At a Glance
Annual fee: $120Recommended credit score: Good to excellent
Annual Interest Rate: 19.99% on purchases and 22.99% on funds advancesQualifying annual income:  None
Welcome bonus: Earn 50,000 Marriott Bonvoy™ points (after you charge $1,500 in purchases to your Card in your first three months)Rewards: 5 Marriott Bonvoy™ points for every $1 in eligible card purchases at participating Marriott Bonvoy properties +
2 points for every $1 in card purchases everywhere else

Read More about the Marriott Bonvoy™ American Express® Card

About The Marriott Bonvoy™ American Express® Card 

Right off the bat, it’s important to note that this is a travel rewards card. Cardholders earn Marriott Bonvoy™ points, which can be redeemed for free stays with no blackout dates at over 7000 of the world’s most desired Marriott Bonvoy hotels. You can also transfer points to frequent flyer miles with a wide selection of airlines, including Aeroplan. The potential for those who travel frequently is obvious. Plus, with a reasonable $120 annual fee, the bar isn’t too high for applicants with a good credit score.

How to Earn & Redeem Rewards

Unlike some rewards programs, there isn’t a straightforward points-to-dollars equation to share. This is because, although there are no blackout dates, there are differently rated properties (hotels on a scale of 1 to 8 categories), and standard, peak, and off-peak seasons. In other words, your points are going to go further at certain times of the year and spent on certain things at certain properties. That said, it doesn’t take a calculus degree to see that Marriott Bonvoy™ points have a fair value. More on this below, but first, let’s look at how you earn points.

  • Earn a welcome bonus of 50,000 Marriott Bonvoy™ points* (after you charge $1,500 in purchases to your Card in your first three months)
  • Earn 5 Marriott Bonvoy™ points for every $1 in eligible card purchases at participating Marriott Bonvoy™ properties
  • Earn 2 points for every $1 in Card purchases everywhere else
  • Receive a 15,000 point bonus from the Marriott Bonvoy™ program when you transfer 60,000 points to a frequent flyer program

It’s pretty easy to see that your points can add up quickly—and exponentially when you use the card to purchase at Marriott Bonvoy properties.

However, a points program is only as good as its redemption process. After all, who cares how many points you accumulate if you can’t redeem them easily? Because these points are Marriott Bonvoy™ branded, redemption is a breeze. Simply go to Marriot.com and use your points when you reserve (and don’t forget to earn 5 points on the dollar by putting that reservation on your card!).

It is worth noting that the points are also transferable to more than 40 different airline partners, so if you want to offset a flight cost, you can do that too. The transfer ratio is 3:1 for Aeroplan but it will depend on the airline. As an incentive, you’ll get an additional 15,000 points per 60,000 points transferred.

Pros and Cons of The Marriott Bonvoy™ American Express® Card

The Marriott Bonvoy™ American Express® Card comes with a super generous 50,000 welcome points (enough for 3 free nights at a Category 2 hotel), many easy opportunities to earn more points and fair values on redemption. The annual free night reward alone justifies the annual fee, and cardholders get other perks like purchase protection, special events access, and travel insurance.

But speaking of travel insurance, this package is lacking the all-important travel medical coverage. Also, while these points can be transferred to flight partners, the program is not as flexible as say, a cash-back program.

A big benefit for cardholders is the complimentary upgrade to Marriott Bonvoy™ Silver Elite status. This means that, when you stay at Marriott International properties, you’ll get little luxuries like 10% bonus points on stays, priority late checkout, free in-room wifi, exclusive member rates, and access to a dedicated elite reservation line.

Other Perks of The Marriott Bonvoy™ American Express® Card

The Marriott Bonvoy™ American Express® Card also carries other perks of value to the frequent traveller. As a cardholder, you receive:

  • An annual free night award each year after your anniversary, redeemable at participating Marriott Bonvoy™ properties worldwide (with a redemption value at or under 35,000 points).
  • Receive 15 Elite Night Credits each calendar year
  • Complimentary Marriott Bonvoy™ Silver Elite status, which offers big benefits to cardholders
  • Automatic upgrade to Marriott Bonvoy™ Gold Elite status when you reach $30,000 in eligible purchases on your Card each year
  • Travel insurance: travel accident, car rental theft and damage, flight delay, baggage delay, lost and stolen baggage, and hotel/motel burglary insurance. Note that travel emergency medical insurance is not included, so that will be an extra expense.
  • Shopping coverage: American Express Buyer’s Assurance Protection Plan doubles the manufacturer’s warranty up to a year on many purchases, while the Purchase Protection Plan gives up to 90 days damage or theft on many retail items.
  • Entertainment Access: American Express Invites and Front of the Line benefits give cardholders exclusive access to pre-sales and special events.

Can I Transfer Marriott Bonvoy™ Points to Airlines?

Yes, it is possible to transfer your Marriott Bonvoy™ points to other frequent flyer programs. In fact, you’ll get a 15,000 point bonus from the Marriott Bonvoy™ program when you transfer 60,000 points to a frequent flyer program. For Aeroplan, the transfer rate is 1 Aeroplan point for every 3 Marriott Bonvoy™ points.

However, it’s far faster to earn Aeroplan points by using one of the best Aeroplan cards in Canada. It’s easy to rack up the rewards: earn Aeroplan Miles for every dollar spent on your credit card, plus you’ll earn twice the Miles for purchases made at Aeroplan-affiliated partners when you use your Aeroplan credit card and present your Aeroplan membership.

The Verdict: Is The Marriott Bonvoy™ Credit Card Worth It?

Frequent travellers—particularly those who already purchase in Marriott Bonvoy™ brand family—need this card. The sign-up bonus and benefits are outstanding and easy to redeem, and it’s clear that the more you use it, the better your travel will be. The free annual night reward sweetens the pot even for those without a packed travel roster, so at the very least, The Marriott Bonvoy™ American Express® Card should be on the short-list as one of the cards in your wallet.

This post was not sponsored. The views and opinions expressed in this review are purely my own.

Article comments

9 comments
chantl01 says:

I did the same thing…was going to shun this card because of the annual fee but when they hit me with that ‘last chance’ offer to sign up and have the fee waived for a year, I bit. The rewards are worth it. And I, too, have penciled in the date next year to switch or cancel this card. Being a personal finance geek like that, also.

young says:

@chantl01- LOL good to know I’m not alone! Personal finance geeks unite! What do you use your starwood points for, primarily?

FinancialBondage.org says:

cash back, points, airline miles, free hats, tshirts, blah blah blah. All gimmicks to trick you into playing their game and getting into debt.

Looks like you’re doing just what they want. Unless you pay the balance off in full each month. If that is the case, then no problem. 🙂

young says:

@FinancialBondage- Definitely don’t sign up for all the gimmicky cards if you can’t pay the balance off each month. I am actually super obsessive about paying my balance. Almost to the point that when I charge something (e.g. like a big purchase like my annual car insurance for example) to my card, I pay it off even before I get my statements!

EdM says:

I don

young says:

@EdM- yeah, that DOES suck! Oh well, 10,000 SPG points is better than no points! I think it has always been that the US market has better credit card rewards (especially if affiliated with AMEX) than the counterparts up north. Good find (only if you can apply for an american card) =)

SavingMentor says:

I just came across this old post about the SPG Amex. I too used to have the MBNA SPG MasterCard as my primary credit card. I also signed up for the SPG Amex for the free year and 11,000 points. After those 11,000 my balance is now slightly over 100,000 which I will be using some of for a free trip to Europe hopefully in the next year.

Anyway, I’ve recently done and in depth study using a scoring system that I developed to objectively determine the best credit cards in Canada. You can find it here:

http://www.howtosavemoney.ca/Finances/CreditCards/BestCreditCardsInCanada

Surprisingly, even to myself, the SPG Amex actually came out as the best credit card in Canada, even with the annual fee. I also have a full page analysis of just this card individually here:

http://www.howtosavemoney.ca/Finances/CreditCards/Cards/StarwoodAmex

young says:

@SavingMentor- Wow, have you cashed out on your points at all? You must have been saving for a while. You’ll definitely get a free trip to Europe with that (maybe even on business class). Thanks for the link- I’ll go and check it out. Interesting that even with the annual fee of $120, the SPG Amex came out on top?? wow…! I do love that they give you an extra 5000 points if you transfer 20,000 points to an airlines. I love SPG!!

chad madill says:

Lisa, does Marriott Bonvoy offer any sort of loyalty program to its loyal customers?