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Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly's algorithm factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, etc.)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Based on $2,000 spending
First Year Value
$695.37
$265.37 in years after
Annual Rewards
$385.37
Marriott Bonvoy
First Year Bonus
$430
Marriott Bonvoy
Annual Fee
$120
First Year Value
$695.37
$265.37 in years after
Card Type | Credit |
Reward Type | Points |
Our Rating | 4/5 |
Institution | American Express |
Loyalty Program |
Annual Fee | $120 |
Interest Rates | Purchase: 21.99%* Cash Advance: 21.99%* |
Credit Score Estimate | Good |
Annual Income | Personal: N/A Household: N/A |
Welcome Bonus | Up to 50,000 Marriott Bonvoy® points |
Description | Earn 50,000 Marriott Bonvoy® points after you spend $1,500 on your Card within your first 3 months as a new Marriott Bonvoy® American Express® Cardmember. Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply. |
Based on $2,000 spending
hotels participating in Marriott Bonvoy program
420 points
All other purchases
44,390 points
Annual Fee
- $120
Net Annual Rewards
44,810 points
Valued at $265.37 (after fees)
Net Annual Rewards
44,810 points
Valued at $265.37 (after fees)
First Year Card Bonus
50,000 points
Valued at $430
First Year Card Value
44,810 points
Valued at $695.37
Redemptions Chart
Transfer to Hotel Partners
$695.37
Transfer to Airline Partners
$647.96
Gift Cards
$192.87
Merchandise
$183.39
*Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 28.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.