1.Marriott Bonvoy® American Express® Card
American Express
- 5%Points on eligible purchases at Marriott properties
- 2%Points on all other purchases
Earn 60,000 Bonus points after you spend CA$5,000 on your Card in your first 3 months.
Earn 5 points per $1 CAD spent at Marriott properties and 2 points per $1 CAD on all other purchases.
21.99%
21.99%
The Marriott Bonvoy® American Express® Card stands out as the top choice because it offers a robust rewards structure specifically tailored for travelers, allowing cardholders to earn substantial points on Marriott stays and enjoy exclusive benefits like free night awards and elite status.
Pros:
- Earns points on every purchase
- Includes annual free night award
Cons:
- High annual fee
- Requires significant spending to maximize rewards
2.American Express Cobalt® Card
American Express
- 5%Points on eligible eats and drinks
- 3%Points on streaming services
- 2%Points on transit and gas
- 1%Points on all other purchases
Earn up to 15,000 Membership Rewards points by spending at least CA$750 in net purchases each month for the first 12 months.
Earn 5 points on eligible eats/drinks, 3 points on streaming, 2 points on transit/gas, and 1 point on other purchases.
21.99%
21.99%
What sets the American Express Cobalt® Card apart is its exceptional earning rate on dining and groceries, making it a favorite among foodies and frequent diners, while also offering flexibility in redeeming points for various rewards.
Pros:
- High earning potential on dining and groceries
- Flexible rewards program
Cons:
- Monthly fee can add up
- Limited to specific spending categories
3.American Express® Gold Rewards Card
American Express
- 2%Points on travel, gas, grocery, and drugstore purchases
- 1%Points on all other purchases
Earn up to 60,000 Membership Rewards points by spending CA$1,000 in each of the first 12 months.
Earn 2 points on travel, gas, grocery, and drugstore purchases, and 1 point on other purchases.
21.99%
21.99%
This card shines for its high-value rewards structure, particularly for those who frequently spend on travel and groceries, making it an excellent choice for individuals looking to maximize their rewards while enjoying additional travel perks.
Pros:
- Generous welcome bonus
- Annual travel credit offsets fee
Cons:
- High annual fee
- Requires consistent spending to maximize rewards
Final Words
As you explore the best hotel credit cards this February 2026 in Canada, remember that the right choice can significantly enhance your travel experience. Take time to compare the options available, weighing rewards, fees, and benefits, to make an informed decision that aligns with your travel goals.
Frequently Asked Questions
Earn 60,000 Bonus points after you spend CA$5,000 on your Card in your first 3 months.
Earn 5 points per $1 CAD spent at Marriott properties and 2 points per $1 CAD on all other purchases.
The American Express Cobalt® Card has a welcome bonus of Earn up to 15,000 Membership Rewards points by spending at least CA$750 in net purchases each month for the first 12 months. You can earn 5 points on eligible eats/drinks, 3 points on streaming, 2 points on transit/gas, and 1 point on other purchases.
With the American Express® Gold Rewards Card, you can earn up to 60,000 Membership Rewards points by spending CA$1,000 in each of the first 12 months. Additionally, you earn 2 points on travel, gas, grocery, and drugstore purchases, and 1 point on other purchases, making it ideal for those who spend in these categories.
When selecting a hotel credit card, consider factors such as the annual fee, welcome bonus, reward rates, and the flexibility of redeeming points. Additionally, assess your spending habits to ensure the card aligns with your travel plans and hotel preferences.
Yes, many hotel credit cards come with annual fees, which can vary significantly. It's important to weigh the benefits and rewards against the fee to determine if the card is worth the cost based on your travel and spending patterns.
To apply for a hotel credit card, visit the provider's website, fill out the application form, and provide necessary financial information. Be sure to check eligibility requirements and ensure your credit score meets the card's criteria.
Yes, most hotel credit cards allow you to earn points on non-hotel purchases, but the rate may differ. For example, the Marriott Bonvoy® American Express® Card offers 2 points per $1 CAD on all other purchases, making it versatile for everyday spending.
