MARRIOTT BONVOY AMErICAN EXPRESS CARD

TD-Aeroplan-Visa-Infinite

An excellent card to get free hotel stays, the best offer in Canada currently

$

357

in free travel

valuation
of Welcome Bonus alone
($1500 minimum spend within 3 months)

via American Express secure application

Opinion


Previously known as the SPG Card, our favorite card in Canada is now revamped! Since the Welcome Bonus is so good, every traveler who loves free hotels should get it.

This card is excellent and one of the most lucrative if you use the Marriott Points well. You could get up to 12 free nights with the Welcome Bonus alone if you maximize it. The earn rate is also great and an additional card is also offered free of charge.


Our valuation of the Welcome Bonus is a net of $357, one of the best Aeroplan offers we’ve seen recently in Canada, but it can even go higher if you spend more. We both have this card because it also has very interesting Air Canada benefits, including priority boarding and an annual lounge pass.

Read our Marriott Bonvoy American Express Card review or scroll down for our point-by-point analysis.

Our Flytrippers Highlights

(read our detailed analysis below)

  • ≈ $357 in free travel
  • Additional spend bonus offered as well
  • High potential value of Aeroplan Miles
  • Good category bonus on earn rate
  • Excellent insurance coverage
  • One annual AC Lounge pass

American Express Official Highlights

(read full details on the American Express website)

  • Earn a Welcome Bonus of 50,000 Marriott Bonvoy points, enough for 3 free nights at a Category 2 hotel
  • Receive an Annual Free Night Award after your anniversary each year
  • Receive complimentary Marriott Bonvoy Silver Elite status
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy American Express Card
  • As the Basic Cardmember, you can earn Marriott Bonvoy points by referring a friend. For each approved referral you could earn a referral bonus of 10,000 points
  • Whether you opt for adventure or blissful relaxation, it’s reassuring to know you’re taken care of every step of the way. With coverage from the Marriott Bonvoy American Express Card, all you need to worry about is having the time of your life
  • Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels
  • Transfer points to frequent flyer miles with a wide selection of airlines
  • Experience luxury, refinements and inspired destinations in nearly 130 countries around the globe. Or indulge in ‘money can’t buy’ moments. Whatever you’re in the mood for, there’s a distinctive reward for you from the Marriott Bonvoy program
  • Experience once-in-a-lifetime events with Marriott Bonvoy Moments, for unforgettable opportunities like meet and greets with A-list artists and athletes, backstage concert passes, pro golf clinics and much more
  • Say hello to American Express Invites. It opens the door to memorable experiences we think you’ll love!
  • When you shop, use your Card and your purchases can be covered
  • Wherever you are and whatever the time, we’re here for you in more ways than one
  • Sponsored advertising

Rates & Fees

(read why you should skip this section)

  • Interest (Purchases): 19.99%
  • Interest (Cash Advances): 22.99%
  • Annual fee: $120
  • Authorized Users: $0
  • Certain conditions apply*

Our Detailed Analysis

Who This Card Is For

TBD

Welcome Bonus

This card has a two-part Welcome Bonus. The first part requires $0 minimum spend and is a bit less valuable, but since most cards usually require an easy $1,500 in 3 months, I’ve covered that easy to reach scenario in the next section, along with the even higher potential of the additional spend bonus.

Unlocking the Marriott Bonvoy American Express Card’s Welcome Bonus will earn you ≈ $357 in free travel per our valuation.


Here’s the breakdown:

≈ $450 (Welcome Bonus of 50,000 Marriott Points worth
≈ 0.9¢ per Mile)

Points earned on the $1,500 minimum spend 

+ $27 (minimum value)
Card fee
– $120 (deducted from the total free travel)

=
≈ $357 in free travel (no minimum value) + all Points earned with your regular purchases

How to unlock the Welcome Bonus:

  • Earn 50,000 Welcome Bonus points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership
  • The annual fee will be charged then credited back
  • See next section for second part of the Welcome Bonus

Additional Spend Bonus

Usually, what we call Additional Spend Bonuses aren’t very lucrative, because of the opportunity cost of putting a lot of spend on one card. But this one is good, especially since the regular “basic” Welcome Bonus requires no minimum spend. TD calls this second part the “Welcome Earn Bonus”.

You can earn an additional spend bonus of up to 15,000 Aeroplan Miles (worth another ≈ $225) thanks to an increased earn rate in the first 3 months, but you have to spread it out evenly in each month to maximize it (it’s capped at 5,000 Miles per month).

You get an extra 5 Aeroplan Miles per dollar. So you will earn 6.5 Aeroplan Miles on grocery, gas, drugstore and aircanada.com purchases (bonus categories) and 6 Aeroplan Miles everywhere else (non-bonused categories). 

Let’s first look at a scenario where you would spend $1,500 in 3 months like you would for most cards, and entirely in the bonused categories (easy with our tips, it’s barely over $100 a week). You can also max it out with a combination of bonused and non-bonused spend. That would be $1,500 multiplied by 6.5 Miles, for a total of 9,750 Miles (5 Bonus Miles and 1.5 Miles regular earn rate).

Here’s the full breakdown of your free travel then:

≈ $225 (Welcome Bonus of 15,000 Aeroplan Miles worth ≈ 1.5¢ per Mile)
≈ $112 (Additional Spend Bonus of 7,500 Aeroplan Miles worth ≈ 1.5¢ per Mile)
≈ $34 (Regular earn rate of 2,250 Aeroplan Miles worth ≈ 1.5¢ per Mile)
– $0 (Annual Fee waived the first year)

=
≈ $371 in free travel

 

You could also unlock the full Additional Spend Bonus by spending $3,000 in the bonused categories in 3 months ($1,000 every month).

That would give you one of the most lucrative Welcome Bonuses possible:

≈ $225 (Welcome Bonus of 15,000 Aeroplan Miles worth ≈ 1.5¢ per Mile)
≈ $225 (Additional Spend Bonus of 15,000 Aeroplan Miles worth ≈ 1.5¢ per Mile)
≈ $68 (Regular earn rate of 4,500 Aeroplan Miles worth ≈ 1.5¢ per Mile)
– $0 (Annual Fee waived the first year)

=
≈ $518 in free travel

 
You can read our detailed analysis to see if this additional spend bonus makes sense for you.

Regular Earn Rate

After your $357 Welcome Bonus and additional spend bonus, for each dollar you spend you will earn:

  • 5 Marriott pts (≈ 4.5%) per $ at Marriott hotels
  • 2 Marriott pts (≈ 1.8%) per $ everywhere else
You can read our article about maximizing earn rates on your spending.

How To Use Marriott Points

Marriott Points are Variable-Value Points, which means you have to use them wisely to get the most value.

Points can be redeemed for Marriott hotel stays (best use most of the time) or transferred to 40 airline programs.

More details in the article about the Marriott program.

You will easily get nearly 25,000 Aeroplan Miles with the easy scenario and then you can easily get another 5,000 or 10,000 (and more) with your regular spending.

Aeroplan Miles are variable-value points, which means that how you use them will determine how much value you’ll get out of them. It is a complex program but you can find amazing redemptions if you understand how the program works. Keep in mind it will be entirely revamped in Q3 2020.

We estimate the 25,000 Miles to be worth $375. Like other variable-value points with award charts, you’ll get the best value out of Aeroplan Miles by using them when cash prices are expensive. You’ll also get the best value if you live in cities served by Star Alliance airlines other than Air Canada.

Here are just a few great uses of your Aeroplan Miles:

  • 25,000 Miles: roundtrip flight to anywhere in North America (≈ $100 taxes on United; ≈ $200 taxes and surcharges on Air Canada)
  • 25,000 Miles: roundtrip flight to the US for only $14 in taxes by departing from a US airport (on United)
  • 25,000 Miles: multi-destination flight in North America with 2 cities (≈ $100 taxes on United; ≈ $200 taxes and surcharges on Air Canada)
  • 15,000 Miles: roundtrip flights to short-haul destinations (≈ $200 taxes and surcharges; discounted short-haul pricing is only on Air Canada)
  • 30,000 Miles: one-way flight to anywhere in Europe (≈ $70 taxes on select Star Alliance carriers; ≈$130 taxes and surcharges on Air Canada)
  • 20,000 Miles: one-way flight to anywhere in Mexico or the Caribbean (≈ $100 taxes on select Star Alliance carriers; ≈ $100 on Air Canada)
  • 55,000 Miles: one-way business class flight to Europe (≈ $130 on Star Alliance carriers; ≈$200 taxes and surcharges on Air Canada)

You can read our detailed articles about the Best Aeroplan Miles Uses and How To Maximize The Value Of Aeroplan Miles.

Air Canada Benefits

You get Air Canada travel benefits only when you travel using an Aeroplan Flight Reward redeemed from your Aeroplan account and only when you travel on flights operated by Air Canada®, Air Canada Rouge® or under the Air Canada Express® banner.

The benefits are:

  • One annual One-Time Guest Access Benefit to an Air Canada Maple Leaf Lounge™
  • Priority check-in and priority boarding
  • One complimentary first checked bag
You can read our review of the TD Aeroplan Visa Infinite Air Canada benefits.

Insurance Coverage

This card has very good coverage, and to be insured for my Aeroplan flights I use this card to pay for taxes.

You get extensive travel insurance coverage:

  • Travel Medical Insurance (not included)
  • Trip Cancellation Insurance (not included)
  • Trip Interruption Insurance (not included)
  • Travel Accident Insurance ($500,000)
  • Flight/Trip Delay Insurance ($500 with 4-hour minimum delay)
  • Delayed and Lost Baggage Insurance ($500 with 4-hour minimum delay)
  • Auto Rental Collision / Loss Damage Insurance
  • Common Carrier Travel Insurance (not included)
  • Emergency Travel Assistance

You also get the standard retail protections:

  • Purchase Security (90 days)
  • Extended Warranty (up to 1 additional year)
You can read our detailed article about credit card insurance coverage.

Other Benefits

You get benefits exclusively for Marriott Bonvoy American Express cardholders:

  • 15 Elite Night Credits
  • Annual Free Night Award
  • Marriott Gold Elite status
  • American Express Invites:
    • Front Of The Line Advance Access
    • Front Of The Line Reserved Tickets
    • Front Of The Line E-Updates
    • Special Offers & Experiences for all Cardmembers
    • Special Access for all Cardmembers

Complete Card Benefits Table

Download our Flytrippers comprehensive data table with 50+ lines of facts about the Marriott Bonvoy American Express Card.

Eligibility Requirements

Income requirement: no minimum.

Restriction: This offer is only available to new Marriott Bonvoy American Express Cardmembers. For current or former Marriott Bonvoy American Express Cardmembers or Starwood Preferred Guest Credit Card from American Express Cardmembers, they may approve your applications, but you will not be eligible for the welcome bonus.

Get the Marriott Bonvoy American Express Card and earn Marriott Points

via American Express secure application

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Complete List Of Marriott Bonvoy American Express Card Content

Here are our other articles about the Marriott Bonvoy American Express Card:

  • Marriott Bonvoy American Express Card Review

 

Here are our other articles about the American Express Program:

  • Ultimate Guide: Aeroplan Program
  • Best Aeroplan Miles Uses
  • How To Maximize The Value Of Aeroplan Miles
  • How To Earn Aeroplan Miles

Other Travel Rewards Resources

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