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American Express Canada American Express Marriott Bonvoy

Marriott Bonvoy American Express Card

Relevant if: you use the Marriott Bonvoy program and its documented categories.

Less suitable if: you do not recover at least $120 in value to offset the annual fee.

Estimate with my spending

Futello estimate

Net value, first year

$379.98

The bonus in dollars, minus the fees to earn it.

Fee: $120 a year, from year one (no rebate confirmed)

Offer verified on November 5, 2026

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View calculation details

Offer (first 12 months): $499.98
− First-year fees: $120.00
= First-year net value: $379.98

For a spending profile of $36,000 a year

The offer plus the card’s rewards on this profile. The net value above counts the offer only.

Rewards net of annual fees (balanced scenario): $479.98
+ Offer (first 12 months): $499.98
= Estimate for this profile, offer included: $979.96

Basket breakdown · Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Groceries$11,250
Restaurants$4,500
Gas / charging$4,500
Pre-authorized payments$4,500

The whole selected basket goes on this card, per the certified balanced scenario. Fees counted once; first-year rebate only when the published offer confirms it; rewards on required spending never counted twice.

Welcome offer

Current offer

Welcome bonus: Up to 70,000 points Marriott Bonvoy
Conditions: 2 tiers, up to $3,500 in spending within 13 months

See the tier-by-tier detail

60,000 bonus points Spend $3,000 within 3 months

10,000 bonus points Spend $500 within 13 months
End date: End date not published
Offer quality: Fair Futello rating grid
Last verified: Verified today

Offer improved — August 26, 2026

Email me if this offer changes

Offer history: too short to compare

September 23, 2026 70,000 points $3,500 in spending within 13 months current offer

Facts from the issuer’s official site and Futello’s verified history. How offers are evaluated

Rewards

Category	Reward
marriott	5 points per dollar
Other purchases	2 points per dollar

No published cap for every category.

Role in a strategy

Comparable alternatives

Published values use the same scenario within each use; groups do not form one overall ranking.

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Go further

Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

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