Looking for a credit card that turns everyday spending into free hotel stays? The Marriott Bonvoy American Express card has become one of the most talked-about travel rewards options in Canada. With an elevated welcome bonus reaching 110,000 points and an annual free night certificate, it’s catching the attention of both frequent travelers and occasional vacationers.
Here’s the reality. Not every travel card delivers meaningful value beyond the first year.
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Below, we’ll share articles related to this topic. So,This comprehensive Marriott Bonvoy card review breaks down exactly what Canadian cardholders can expect—from earning rates and elite status perks to insurance coverage and hidden fees. Whether you’re a Marriott loyalist or exploring your first hotel rewards credit card, you’ll discover if this co-branded credit card deserves a spot in your wallet.
We’ll cover the current welcome offer, compare it with alternatives, and reveal strategies to maximize your points. By the end, you’ll know precisely whether this card aligns with your travel goals.
Understanding the Marriott Bonvoy American Express Card: What Makes It Different
The Marriott Bonvoy American Express card operates as a co-branded partnership between American Express Canada and Marriott International. This means cardholders earn Marriott Bonvoy points—the loyalty currency accepted at over 8,000 properties worldwide spanning brands like Ritz-Carlton, St. Regis, W Hotels, Sheraton, and Courtyard.
Unlike general travel credit cards Canada offers, this one focuses exclusively on the Marriott ecosystem. You’re not earning flexible points that convert to multiple programs; you’re building a balance specifically for Marriott stays or airline transfers through Bonvoy’s partners.
The card’s core structure is straightforward. Spend at Marriott properties? Get 5 points per dollar. Everything else? 2 points per dollar. While that 2x rate on non-Marriott spending is decent, it trails behind cards like the American Express Cobalt Card (which offers 5x on groceries and dining).
What sets this card apart from other hotel rewards credit cards is its focus on status acceleration. You receive 15 Elite Night Credits annually just for holding the card—automatically granting Silver Elite status. Combine those credits with 10 qualifying paid nights, or reach $30,000 in annual spending, and you unlock Gold Elite status. That’s where the real perks begin: room upgrades, late checkout, and 25% bonus points on stays.
Think of it this way: general travel cards cast a wide net. This one? It goes deep within a specific hotel family. The value equation shifts dramatically based on how often you stay at Marriott properties.
Current Welcome Bonus Offer: Up to 110,000 Marriott Bonvoy Points
The Marriott Bonvoy signup bonus currently delivers up to 110,000 points through a two-stage structure. Here’s how it breaks down:
Stage 1 (First 6 Months): Earn 80,000 bonus points after spending $6,000 on eligible purchases within six months of account opening.
Stage 2 (Month 15): Earn an additional 30,000 points when you make any purchase during your 15th month of cardmembership.
This staged approach serves as a retention mechanism. Many cardholders focus on the initial 80,000 points and forget about the second milestone. Set a calendar reminder for month 14 to ensure you capture that additional 30,000 points—even a small purchase like a coffee qualifies.
The $6,000 spending requirement is manageable for most households over six months. That’s roughly $1,000 monthly, easily achievable by routing regular expenses like groceries, gas, and utilities through the card. Consider these strategies:
- Set up automatic payments for subscriptions and recurring bills
- Time your application before major planned purchases (appliances, furniture, travel bookings)
- Use the card for everyday spending categories where it earns 2x points
- Pay property taxes or insurance premiums if they accept Amex without surcharges
- Stock up on gift cards for retailers you frequent
How valuable are 110,000 Marriott Bonvoy points? The value fluctuates based on redemption choices. Generally, Bonvoy points are valued around 0.9 to 1.1 cents per point when redeemed for hotel stays. That puts the welcome bonus value somewhere between $990 and $1,210.
One strategic redemption example: You could book five nights at a Category 5 property during off-peak pricing (requiring 30,000 points per night for 150,000 total). With your 110,000 welcome bonus plus organic spending, you’re covering a substantial vacation. Alternatively, transfer 60,000 points to airline partners and receive a 15,000-point bonus—giving you 75,000 miles for flights.
The current offer expires April 7, 2026. Historical data shows Marriott Bonvoy bonus offers typically fluctuate between 50,000 and 110,000 points, with elevated promotions appearing periodically throughout the year.
Earning Rates Breakdown: Where This Card Shines and Where It Falls Short
The points earning rate structure reveals where this card excels—and where you’ll want alternatives in your wallet.
Premium Earning: 5 Points Per Dollar at Marriott Properties
Earning 5 Marriott Bonvoy points per dollar at participating hotels translates to roughly a 4.5% return when you value points at 0.9 cents each. That’s exceptional for hotel spending. This rate applies to room charges, food and beverage purchases at hotel restaurants, spa services, and incidentals—basically anything billed to your room.
As a Marriott Bonvoy Gold Elite cardholder (achievable through card spend), you’ll actually earn 6.25 points per dollar on stays: 5x from the card plus the 25% elite bonus. Stack this with promotions Marriott frequently runs, and you’re looking at 8-10 points per dollar during peak earning periods.
Here’s a practical scenario. Book a three-night stay in Toronto at $200 per night. That’s $600 in room charges earning 3,000 base points from the card. Add a $150 dinner at the hotel restaurant—another 750 points. Your total: 3,750 points from a single stay, plus the base points you’d earn as a Bonvoy member.
Standard Earning: 2 Points Per Dollar on Everything Else
The 2x points on non-Marriott spending is… adequate. Not exceptional, but not terrible. For context, that represents approximately a 1.8% return—competitive with basic cashback cards but trailing behind specialized rewards cards.
Frankly? You’ll find better earn rates for everyday categories:
- Groceries: American Express Cobalt Card offers 5x Membership Rewards points
- Gas: Several cards offer 3-4% back on fuel purchases
- Dining: Cobalt Card again at 5x, or Scotiabank Gold American Express at 5x Scene+ points
The strategic approach? Use the Marriott Bonvoy card exclusively for Marriott stays and as your backup card for purchases where you don’t have category bonuses. Your primary spending should flow through cards with higher earning rates in specific categories.
That said, if you’re committed to consolidating spending on one card for simplicity, earning 2 Bonvoy points per dollar across all purchases isn’t unreasonable. You’ll accumulate points faster than you might think—$25,000 in annual non-Marriott spending generates 50,000 points, enough for a free night at many properties.
The Game-Changing Benefit: Annual Free Night Award Worth Up to 35,000 Points
Let’s talk about the feature that makes this credit card with free hotel night worth considering even if you’re not a frequent traveler.
On every cardmembership anniversary, you receive a Free Night Award certificate redeemable at any Marriott Bonvoy property requiring up to 35,000 points per night. Important note: You receive your first certificate on your first anniversary, not immediately upon approval.
The math here is simple. The card’s annual fee is $120. If you redeem your free night at a property costing more than $120, you’re ahead. Given that many Marriott properties charge $150-$300+ per night, this benefit alone typically exceeds the annual fee.
Strategic redemption tips to maximize value:
- Target Category 5 properties during peak season when cash rates are highest
- Use certificates for weekend nights in expensive markets (Vancouver, Toronto, Montreal)
- Book resort properties where you’d pay $300+ otherwise
- Combine with the Points Advance feature to book before your certificate arrives
- Top up with up to 15,000 additional points if you want a property requiring 50,000 points
One important limitation: The certificate expires one year after issuance. You need to complete your stay within that timeframe, though you can book further in advance. Plan your redemptions strategically to avoid losing value.
Personal observation: I’ve seen cardholders extract $400-500 in value from a single free night by targeting ski resorts during peak winter season or beachfront properties during summer. The certificate’s value ceiling depends entirely on your willingness to research and plan.
Elite Status Perks: Fast-Tracking Your Way to Gold Elite Status
The Marriott Bonvoy elite status benefits attached to this card create a significant advantage over non-cardholders. Here’s how the status structure works and what it means for your stays.
Automatic Silver Elite Status
Simply by holding the card, you receive Marriott Bonvoy Silver Elite status through 15 Elite Night Credits that refresh each calendar year. Silver Elite unlocks:
- 10% bonus points on eligible stays
- Priority late checkout (when available)
- Exclusive member rates
These perks aren’t revolutionary, but they’re noticeably better than standard member rates. That 10% bonus compounds with your card’s earning rate—remember, you’re now earning 5.5 points per dollar instead of 5 at Marriott properties.
Accelerated Path to Gold Elite Status
Here’s where things get interesting. You can achieve Marriott Bonvoy Gold Elite through two paths:
Path 1: Spend $30,000 on your card within a calendar year
Path 2: Combine your 15 card Elite Night Credits with 10 qualifying paid nights in a calendar year
Gold Elite benefits include:
- 25% bonus points on stays (stacks with your card earning rate for 6.25 points per dollar)
- Room upgrades at check-in when available (often to premium rooms or suites)
- 2 PM late checkout
- Enhanced room amenities
The second path is far more achievable for leisure travelers. Ten paid nights might sound like a lot, but consider: a long weekend trip uses three nights, a week-long vacation uses seven. Two modest trips and you’ve hit the threshold.
The room upgrade benefit alone can deliver substantial value. Upgraded from a standard room to a suite during a five-night stay in Chicago? You’ve just received $100-200 per night in additional value. That’s $500-1,000 in upgrades from status you obtained through regular travel plus a credit card.
One important distinction for Canadian cardholders: Unlike American Bonvoy cards, Canadian versions don’t stack Elite Night Credits across personal and business cards. The maximum you can receive from credit cards is 15 elite nights—you can’t double up by holding both the personal and business versions.
Insurance Coverage: What’s Included and What’s Missing
The Marriott Bonvoy American Express card includes a moderate travel insurance package—better than entry-level cards but not as comprehensive as premium travel cards. Let’s break down what’s covered and where gaps exist.
Insurance Coverage Included
Travel Accident Insurance: Up to $500,000 coverage for you, your spouse, and dependent children under 23. This covers loss of life, limbs, sight, speech, or hearing resulting from travel accidents. While substantial, this is truly catastrophic coverage you hope never to use.
Flight Delay Insurance: Covers up to $500 (aggregate with baggage delay) for reasonable expenses if your flight is delayed four hours or more. This includes meals and necessary items.
Baggage Delay Insurance: Also up to $500 (aggregate with flight delay) if your baggage is delayed six hours or more. Covers emergency purchases of clothing and toiletries.
Rental Car Coverage: Theft and damage insurance for rentals with an MSRP up to $85,000 for trips lasting up to 48 days. This is actually excellent coverage—many cards cap at $65,000 MSRP.
Lost or Stolen Baggage: Coverage for baggage loss or theft during your trip.
Hotel/Motel Burglary Insurance: Up to $500 coverage if personal property is stolen from your hotel room.
Additional Protection
Purchase Protection: Reimburses you if purchases made with the card are lost, damaged, or stolen within 90 days of purchase. Limit of $1,000 per claim.
Extended Warranty: Doubles the manufacturer’s warranty up to one additional year on eligible purchases.
What’s NOT Included
Here’s where this card falls short compared to premium options:
- No medical travel insurance: Critical gap for international travel
- No trip cancellation/interruption insurance: You’re not covered if you need to cancel or cut short a trip
- No mobile device insurance: Increasingly common on other cards
For comprehensive travel insurance coverage, you’ll need to either purchase supplemental policies or consider cards like the Scotiabank Passport Visa Infinite or TD First Class Travel Visa Infinite, which offer more robust travel medical and trip cancellation coverage.
The practical approach many Canadian travelers take: Use this card for Marriott bookings to earn maximum points, but book flights and travel packages with a card offering superior insurance. Alternatively, purchase annual travel medical insurance separately—often $100-200 for individuals or $200-300 for families.
Marriott Bonvoy Points: How to Use Them Beyond Hotel Stays
While hotel redemptions deliver the most straightforward value, Marriott Bonvoy points offer surprising flexibility. Understanding these options helps you extract maximum value from your accumulated points.
Standard Hotel Redemptions
Marriott operates a dynamic pricing model, meaning point requirements fluctuate based on demand and season. Properties are categorized from 1-8, with redemption values ranging from 5,000 points per night (Category 1 off-peak) to 100,000+ points per night (Category 8 peak season).
Smart redemption strategy focuses on achieving at least 1 cent per point in value. How do you ensure this? Compare the cash rate to the points required. If a room costs $200 and requires 20,000 points, you’re getting exactly 1 cent per point. Hold out for opportunities exceeding this baseline.
Transfer to Airline Partners
Marriott Bonvoy partners with 40+ airlines for point transfers, though the conversion rates aren’t always favorable. The standard ratio is 3 Marriott Bonvoy points to 1 airline mile.
However—and this is important—when you transfer 60,000 Bonvoy points, Marriott adds a 15,000-mile bonus. So 60,000 Bonvoy points becomes 35,000 airline miles instead of just 20,000. Transfer in increments of 60,000 to maximize this bonus.
For Canadian travelers, relevant partners include:
- Aeroplan (Air Canada)
- British Airways Executive Club
- United MileagePlus
- Alaska Airlines Mileage Plan
- American Airlines AAdvantage
Is this worth it? Generally, no. You’ll typically get better value redeeming directly for hotels. The exception: You’re slightly short of an award ticket threshold and have excess Bonvoy points to bridge the gap.
Marriott Bonvoy Moments
This experiences platform lets you bid points on unique experiences—concerts, sporting events, culinary experiences, and meet-and-greets. Values vary wildly; some offer incredible opportunities while others require excessive points for mediocre experiences. Browse occasionally for outlier deals.
Fifth Night Free on Award Stays
Book five consecutive nights using points at the same property? The fifth night is free. This effectively gives you a 20% discount on extended stays. Plan longer vacations to capitalize on this benefit—booking five nights only costs you four nights worth of points.
Comparing Alternatives: Is This the Best Hotel Credit Card for Canadians?
The best Amex cards Canada offers serve different purposes. Here’s how the Marriott Bonvoy card stacks up against viable alternatives.
American Express Marriott Bonvoy Business Card
Identical earning structure (5x at Marriott, 2x elsewhere) with similar benefits: 15 Elite Night Credits, annual free night award, and potential Gold Elite status. The key differences:
- Higher annual fee: $150 vs $120
- Identical welcome bonus: Up to 110,000 points
- Business card reporting and benefits
- Same insurance coverage
Should you get both? Only if you’re a small business owner who values separate expense tracking. The Elite Night Credits don’t stack, so you won’t reach Gold Elite faster by holding both cards.
American Express Cobalt Card
This isn’t a hotel-specific card, but it’s worth mentioning because it earns Membership Rewards points transferable to Marriott Bonvoy at a 1:1 ratio. Key features:
- 5x points on groceries and dining (capped at $30,000 annually)
- 3x points on streaming services
- 2x points on gas and transit
- Annual fee: $12.99 monthly ($155.88 annually)
The Cobalt excels for earning points on everyday spending, then transferring to Bonvoy when needed. However, it lacks the annual free night certificate and automatic elite status. Consider it as a companion card for category bonuses while keeping the Marriott card for its unique benefits.
Chase Marriott Bonvoy Cards (US Cards)
American readers might wonder about Chase’s Marriott offerings. Unfortunately, Chase doesn’t issue credit cards in Canada. Your options are limited to American Express-issued Bonvoy cards.
General Travel Rewards Cards
Cards like the Scotiabank Gold American Express, TD First Class Travel Visa Infinite, and BMO Eclipse Visa Infinite offer flexible points redeemable across multiple hotel chains. They’re worth considering if you:
- Don’t loyalty to a single hotel brand
- Value flexibility over specialized benefits
- Need comprehensive travel insurance
- Want simpler redemption options
The trade-off? You won’t receive elite status perks, annual free nights, or accelerated earning at specific properties. It’s a question of specialization versus flexibility.
Who Should Get This Card (and Who Shouldn’t)
Not every traveler benefits equally from hotel loyalty program credit cards. Here’s an honest assessment of ideal candidates versus those who should look elsewhere.
Perfect Candidates for the Marriott Bonvoy Amex
Frequent Marriott Guests: If you already stay at Marriott properties several times annually, this card is almost mandatory. You’re leaving value on the table without it—both in accelerated points earning and elite status benefits.
Leisure Travelers Planning 1-2 Major Trips Annually: The annual free night certificate alone justifies the fee. Book it strategically at premium properties and you’ve covered the cost plus some.
Status Seekers: Those who value hotel elite benefits—room upgrades, late checkout, bonus points—will appreciate the fast track to Gold Elite status through card spend or modest stay requirements.
Simplicity Seekers: If you prefer concentrating loyalty with one hotel family rather than spreading stays across multiple brands, this card aligns perfectly with that strategy.
Canadians with Existing Amex Relationships: Already comfortable with American Express acceptance patterns and potentially holding other Amex cards for better category bonuses.
Who Should Skip This Card
Infrequent Hotel Guests: Stay at hotels fewer than 3-4 nights per year? The annual fee isn’t justified by the benefits. The free night certificate is wasted if you don’t use it.
Multi-Brand Loyalists: Prefer spreading nights across Hilton, IHG, Hyatt, and Marriott? You’ll dilute your benefits. Focus on one program or opt for flexible travel rewards.
Everyday Spend Optimizers: If you’re chasing maximum points on groceries, dining, and gas, this card’s 2x rate falls short. The Cobalt or category-specific cards deliver better returns.
People Concerned About Amex Acceptance: American Express isn’t as widely accepted as Visa or Mastercard in Canada and internationally. If this concerns you—especially for daily spending—prioritize cards on more universal networks.
Travelers Needing Comprehensive Insurance: Those requiring robust travel medical coverage, trip cancellation protection, or mobile device insurance won’t find it here. Premium Visa Infinite cards offer superior protection.
Business Travelers Without Hotel Choice: If your company dictates hotels or reimburses actual expenses regardless of payment method, you can’t leverage the card’s earning potential.
The honest assessment: This card serves a specific niche exceptionally well. Stray outside that niche and you’re better served by general travel rewards cards or category specialists. Know which category you fall into before applying.
Application Process: How to Apply for Marriott Bonvoy American Express
The application process for the Marriott Bonvoy Amex is straightforward, with some unique features worth noting.
Eligibility Requirements
To apply Amex Canada credit cards, you must:
- Be a Canadian resident with a Canadian credit file
- Be the age of majority in your province or territory (18 or 19 depending on location)
- Have a credit score generally in the “good” to “excellent” range (typically 660+)
American Express Canada doesn’t disclose specific income requirements, unlike some competitors. However, based on approval patterns, a household income of $40,000+ typically improves approval odds.
Pre-Qualification Feature
American Express offers a unique pre-qualification tool allowing you to check eligibility before formally applying. This uses a soft credit inquiry that doesn’t impact your credit score. You’ll receive an instant decision showing whether you’re likely to be approved.
How to use it: Visit the card’s application page and look for “Check if you’re approved” or similar language. Complete the brief form with basic information. Within seconds, you’ll know if you’re pre-qualified.
This feature is valuable for preserving your credit score if you’re uncertain about approval odds or applying for multiple cards strategically.
Application Timeline
Most applicants receive instant decisions—approved or declined within minutes. Occasionally, applications go to manual review, extending the timeline to 7-10 business days. You’ll receive notification via email and can call the status line for updates.
Once approved, expect your card within 5-7 business days. Activate it through the Amex app or website, then immediately set up your Marriott Bonvoy account linking (if you don’t already have one).
Referral Bonuses
Current cardholders can refer friends and family, earning 10,000 Marriott Bonvoy points per approved referral, capped at 150,000 points annually (15 successful referrals). If you know an existing cardholder, ask for a referral link—you’ll still receive the same welcome bonus while helping them earn extra points.
Referral bonuses occasionally elevate to 15,000-20,000 points during promotional periods. Keep an eye on forums and deal sites for these opportunities.
Maximizing Card Value: Advanced Strategies
Beyond basic earning and redemption, several strategies help you extract maximum value from the Marriott Bonvoy American Express card.
Strategic Spending Threshold Planning
That $30,000 annual spending threshold for Gold Elite status isn’t arbitrary—it’s achievable with planning. If you’re at $25,000 by November, consider prepaying upcoming expenses:
- Property taxes for the next year (if your municipality accepts credit cards)
- Insurance premiums in full rather than monthly installments
- Gift cards for retailers you frequent regularly
- Charitable donations before year-end
Alternatively, if you’re at $28,000 by December, simply route all December spending through this card to reach the threshold.
Combine Elite Night Credits Strategically
You get 15 Elite Night Credits annually from the card. You need 25 total nights for Gold Elite through stays alone—but combining 10 paid nights with your 15 credits hits the threshold faster. Plan two modest trips using Marriott properties and you’ve unlocked Gold Elite for the entire following calendar year.
Points + Cash Redemptions
Sometimes using a combination of points and cash delivers better value than pure points redemptions. Marriott allows you to pay with points plus cash at varying ratios. Run the math—occasionally paying $50 plus 10,000 points saves 5,000 points compared to a pure 15,000-point redemption while the cash portion is less than $50 value.
Stack with Marriott Promotions
Marriott frequently runs promotions offering bonus points: “Earn 2,000 bonus points per stay” or “Double points on weekends.” Register for these promos before booking. Combined with your card’s 5x earning and elite status bonuses, you’ll accumulate points rapidly.
Use for Tax-Deductible Business Expenses
If you’re self-employed or own a business, use this card for legitimate business travel expenses. You’re earning rewards while claiming tax deductions—effectively double-dipping on value (consult a tax professional for guidance specific to your situation).
Common Mistakes to Avoid
Even experienced cardholders make these errors. Avoid them to protect your value proposition.
Forgetting the 15th Month Purchase
That additional 30,000-point bonus requires a purchase in month 15. Many cardholders forget this milestone and lose out on significant value. Set multiple calendar reminders starting at month 14.
Letting the Free Night Certificate Expire
The certificate expires 12 months after issuance. If you’re not planning travel, book a stay well in advance—even if it’s 10-11 months away. You can always cancel if plans change (follow the property’s cancellation policy).
Using the Card for Categories with Better Alternatives
Putting groceries on this card at 2x when you could earn 5x with the Cobalt? You’re leaving points on the table. Optimize your wallet by using each card for its strengths.
Not Linking Marriott Bonvoy Account Properly
Ensure your credit card is linked to your Marriott Bonvoy membership account. Otherwise, you won’t receive elite status benefits or proper points crediting. Verify this immediately after receiving your card.
Paying Interest
This should go without saying, but paying interest eliminates all rewards value. The card carries a standard purchase APR around 20.99%. Pay your balance in full every month without exception.
Ignoring Better Redemption Values
Redeeming points for merchandise, gift cards, or statement credits typically delivers poor value—often 0.5 cents per point or worse. Stick to hotel redemptions or strategic airline transfers for maximum value.
Customer Service and Cardholder Experience
American Express consistently ranks highly for customer satisfaction in Canada. According to J.D. Power’s 2025 Canada Credit Card Satisfaction Study, Amex ranks first among 14 credit card issuers for overall customer satisfaction.
Cardholders report positive experiences with:
- Responsive customer service via phone, chat, and app
- Quick resolution of disputes and fraud issues
- User-friendly mobile app for account management
- Clear communication about benefits and offers
However, it’s worth noting that Trustpilot ratings paint a different picture—American Express Canada has approximately 1.4 out of 5 stars based on thousands of reviews. This disparity often reflects selection bias (angry customers are more likely to leave reviews) rather than representative experiences.
The Amex mobile app deserves specific mention. It provides real-time spending notifications, easy bill pay, instant customer service chat, and clear benefits tracking. You can even access digital card numbers immediately upon approval for online purchases before your physical card arrives.
The Verdict: Is the Marriott Bonvoy American Express Card Worth It?
After examining earning rates, benefits, insurance, and strategic considerations, here’s the bottom line.
For Marriott-loyal travelers, this card is nearly essential. The combination of accelerated earning at properties, elite status benefits, and an annual free night worth up to 35,000 points creates a value proposition that exceeds the $120 annual fee for anyone taking even two Marriott stays per year.
The welcome bonus of up to 110,000 points provides substantial initial value—potentially covering multiple nights or a luxury property stay. Combined with the ongoing benefits, you’re looking at one of the strongest hotel-specific cards available to Canadians.
The card falls short if you value flexibility over loyalty. Those who prefer spreading stays across multiple hotel chains, or who need comprehensive travel insurance, should explore general travel rewards cards instead. Similarly, if you’re optimizing everyday spending for maximum returns, category-specialist cards deliver better value than this card’s 2x earning rate.
Think of it this way: general travel cards are like Swiss Army knives—useful for many situations but not exceptional at any single task. The Marriott Bonvoy Amex is a specialized tool, performing brilliantly within its niche but limited outside it.
My recommendation: If you stay at Marriott properties 5+ nights annually or plan to do so, apply for this card. The math works in your favor. If you’re an occasional hotel guest without brand loyalty, look elsewhere. It’s that straightforward.
Ready to start earning free hotel nights? Apply for the Marriott Bonvoy Amex today and unlock up to 110,000 bonus points before the offer expires April 7, 2026.
