Carte IQ catalogue profile

Marriott Bonvoy American Express Card

Institution: American Express Canada
Network: American Express
First-year fee: $120 — no fee waiver confirmed for the current offer
Annual fee thereafter: $120
Program: Marriott Bonvoy

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Carte IQ estimate Estimated net value — first year $1,446.64 CAD

This estimate combines the card’s ongoing value in a balanced scenario with the portion of its welcome offer earned during the first 12 months.

Ongoing net value in the scenario: $780 CAD
Recurring annual fee already deducted: $120 CAD
Welcome-offer value earned during the first 12 months: $666.64 CAD
First-year fee: $120 — no fee waiver confirmed for the current offer

Balanced reference scenario

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

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

The total amount matches the selected level and is applied entirely to this card. Rewards are projected from the certified balanced scenario; fees are never multiplied. A first-year fee rebate is applied only when confirmed in the published offer. Ordinary rewards on required spending are not counted twice.