Marriott Bonvoy Brilliant card review: An excellent premium card for Marriott loyalists with a 150,000-point bonus and refreshed benefits, including Platinum elite status

By September 22, 2022DeFi
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  • Is the Marriott Bonvoy Brilliant the best card for you?
  • How to earn points
  • How to use Marriott points
  • Benefits and features
  • Fees and costs
  • Amex Marriott Bonvoy Brilliant vs other Marriott credit cards
  • Amex Marriott Bonvoy Brilliant vs other premium cards
  • Frequently asked questions (FAQ)
  • Insider's experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.

    Marriott Bonvoy Brilliant™ American Express® Card

    4.3/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.3 out of 5 Stars

    Intro offer

    150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months

    Rewards

    Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.

    $650

    Annual Fee

    View Full Details

    Apply now

    On American Express's website

    Rates & Fees

    Marriott Bonvoy Brilliant™ American Express® Card

    4.3/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.3 out of 5 Stars

    Intro offer

    150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months

    Rewards

    Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.

    $650

    Annual Fee

    View Full Details

    $650

    Annual Fee

    Apply now

    On American Express's website

    Rates & Fees

    Marriott Bonvoy Brilliant™ American Express® Card from American Express

    Apply now

    On American Express's website

    Rates & Fees

    Card Details

    Rewards

    Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.

    Annual Fee

    $650

    Intro offer

    150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months

    Recommended Credit

    Good to Excellent

    Regular APR

    18.74% - 27.74% Variable

    Editor's Rating

    4.3/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.3 out of 5 Stars

    Pros & Cons

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    Pros

    A check mark. It indicates a confirmation of your intended interaction.

    Annual statement credits can save you money on Marriott stays

    A check mark. It indicates a confirmation of your intended interaction.

    You get a free reward night each year after your renewal month

    Cons

    A dash. It often indicates an interaction to shrink a section.

    High annual fee

    A dash. It often indicates an interaction to shrink a section.

    Other cards are more rewarding for earning points on your spending

    Highlights

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    More Information

    • Earn 150,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.
    • Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
    • A Marriott Bonvoy Platinum Elite member will earn 50% more points on eligible purchases at participating hotels for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
    • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
    • Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
    • Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Benefit options include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $750 discount from Marriott Bonvoy Boutiques.
    • $100 Luxury Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
    • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck® (up to $85) when you pay the application fee with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
    • Each calendar year you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
    • Enroll in Priority Pass Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
    • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
    • No Foreign Transaction Fees on international purchases.
    • Cell phone protection: You can be reimbursed for your costs to repair or replace your damaged or Stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month's wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
    • $650 Annual Fee.
    • Terms Apply.
    • See Rates & Fees

    Additional Reading

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    Read our review A looong arrow, pointing right

    If you're loyal to Marriott, the Marriott Bonvoy Brilliant™ American Express® Card can help you save money and improve your stay, thanks to automatic Marriott Platinum elite status and lots of opportunities to earn additional points. The card just got a refresh, improving its annual Free Night Award (now worth up to 85,000 points) and introducing an annual Earned Choice Award for meeting a spending threshold — but its annual fee has also jumped from $450 to $650.

    Review: Is the Marriott Bonvoy Brilliant the best card for you?

    If you frequently stay at Marriott hotels, the Marriott Bonvoy Brilliant™ American Express® Card is a great option for making your stays more luxurious and accelerating your points earning toward the next award stay.

    The card just got a makeover, adding automatic Platinum elite status and an annual Free Night Award worth up to 85,000 points. Previously, the card offered Gold status and the anniversary night was worth up to 50,000 points, so this is a significant improvement.

    There's also a new welcome bonus offer: 150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months. That's worth around $1,050 in stays, based on Insider's valuation of Marriott points as worth 0.7 cents apiece, on average.

    But it also bumped the annual fee to $650 from $450, which means it's now the most expensive premium co-branded hotel credit card. So it's definitely not for everyone, but if you're a Marriott Bonvoy loyalist and stay at the chain's properties multiple times a year, it's not hard to get significant value from this card.

    You'll earn 6 points per dollar spent on eligible purchases at hotels participating in the Marriott Bonvoy program, 3 points per dollar spent on airline tickets and restaurants worldwide, and 2 points per dollar spent everywhere else. You'll also earn a free night certificate every year after your card renewal month, which you can redeem at Marriott Bonvoy properties that cost up to 85,000 points per night. You can get massive value from this benefit alone, especially if you use this free night at an expensive Marriott hotel.

    The card also offers up to $25 in statement credits per month for eligible purchases at restaurants worldwide (previously, this credit was for up to $300 per year toward Marriott purchases, but it's been replaced as part of the card's refresh). If you max out this annual credit, you're effectively reducing the card's annual fee to $350.

    The Marriott Bonvoy Brilliant™ American Express® Card also provides some helpful travel coverage, including baggage insurance, rental car insurance, and a host of purchase protections.

    Insider's Featured Rewards Credit Cards

    • Wells Fargo Autograph℠ Card
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    • Chase Sapphire Preferred® Card

    It indicates an expandable section or menu, or sometimes previous / next navigation options.

    It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Rewards It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Earn unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1x points on other purchases.

    Intro Offer It indicates an expandable section or menu, or sometimes previous / next navigation options.

    30,000 bonus points when you spend $1,500 in purchases in the first 3 months from account opening

    Annual Fee It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $0

    Rewards It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases

    Intro Offer It indicates an expandable section or menu, or sometimes previous / next navigation options.

    80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

    Annual Fee It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $95

    Rewards It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

    Intro Offer It indicates an expandable section or menu, or sometimes previous / next navigation options.

    60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

    Annual Fee It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $95

    Apply now

    On Wells Fargo's website

    Rates & Fees

    Apply now

    On Citi's website

    Apply now

    On Chase's website

    How to earn points with the Amex Marriott Bonvoy Brilliant card

    The Marriott Bonvoy Brilliant™ American Express® Card offers a straightforward earning structure, earning bonus points at eligible Marriott Bonvoy properties and in other useful categories. Cardholders earn:

    • 6 points per dollar at participating Marriott Bonvoy hotels (this is in addition to up to 10x points for being a Marriott Bonvoy member and up to 5x points for having Platinum elite status from the card)
    • 3x points on dining at restaurants worldwide
    • 3x points on flights purchased directly from airlines
    • 2x points per dollar on all other eligible purchases

    How to use Marriott points

    You can redeem your Marriott Bonvoy points and free night rewards at over 7,000 participating Marriott Bonvoy hotels in cities around the world. Marriott recently eliminated its award charts and moved to dynamic pricing, which means the price of an award night will vary based on demand, the paid price of the room, season, and other factors.

    Award nights start as low as 5,000 points and go up to 120,000 points per night. If you use your points to book a stay of five nights or more, you'll get the least expensive night for free. This discount is automatically calculated when you search for a stay of five or more nights on marriott.com.

    Additionally, Marriott Bonvoy allows you to convert your points into frequent flyer miles with over 40 partner airlines — more than any other loyalty program. You'll receive 1,000 airline miles for every 3,000 points transferred, with a 5,000-mile bonus for every 60,000 points (so 60,000 points becomes 25,000 airline miles). Transfers to United Airlines MileagePlus get an extra 10% bonus.

    You're best off using your points to book Marriott stays, though, since you don't have to worry about odd transfer ratios, and you can score some real deals — especially when you can lock in off-peak travel dates at high-end hotels that would cost hundreds of dollars a night if you paid in cash.

    There are other redemption options available, including cashing in points for gift cards, rental cars, and experiences like concerts and events.

    Marriott Bonvoy Brilliant benefits and features

    Complimentary Marriott Bonvoy Platinum elite status

    As long as you have the Marriott Bonvoy Brilliant™ American Express® Card, you'll receive automatic Platinum elite status in the Marriott Bonvoy program, which includes the following benefits:

    • 50% bonus points on stays at Marriott properties
    • Enhanced room upgrades (including select suites)
    • Hotel lounge access and complimentary breakfast at hotel brands that have lounges
    • A welcome gift on arrival (points, breakfast offering, or amenity depending on brand)
    • Guaranteed 4 p.m. late checkout (subject to availability at resorts and convention hotels)
    • Annual Choice Benefit for members with 50 elite night credits (five Suite Night Awards, 40% off a mattress and box spring from your favorite hotel brand, give the gift of Silver Elite status to a family member or friend, $100 charity donation, or five elite night credits)
    • Complimentary enhanced in-room internet access

    The card also helps you climb toward higher levels of elite status, providing 25 qualifying nights every year just for having the card.

    Annual free night award

    Every year after your account card renewal month, you'll receive a free night award valid at Marriott Bonvoy properties charging up to 85,000 points per night. Depending on when you travel, that could get you a night at a very upscale property. Marriott also offers the ability to top-up free night certificates with up to 15,000 Marriott points from your account, making this certificate potentially useful at hotels that cost up to 100,000 points.

    Monthly $25 dining credit

    Previously, this card offered up to $300 credit every year for eligible purchases made directly at hotels participating in the Marriott Bonvoy program, including room rates and incidentals. That's now been replaced by up to $25 in statement credits per month for eligible purchases at restaurants worldwide. This benefit starts as soon as you open the card, so as long as you spend at least $25 per month at restaurants, this alone offsets almost half of the card's annual fee.

    Annual Earned Choice Award

    Starting January 1, 2023, cardholders who've spent at least $60,000 in a calendar year can select an Earned Choice Award from the following list:

    • Five Suite Night Awards
    • $750 off a bed from Marriott Bonvoy Boutiques
    • Free Night Award with a redemption value of up to 85,000 points

    You can make your selection on Marriott's Choice Benefit site after you've met the spending threshold for the calendar year. If you don't choose by March 1 of the year following the qualifying year, you'll receive five Suite Night Award by default.

    $100 Marriott Bonvoy property credit

    Holding the Marriott Bonvoy Brilliant™ American Express® Card also gives you access to an exclusive rate for stays of two nights or more at The Ritz-Carlton and St. Regis hotels and resorts, which includes a $100 credit toward room service, spa treatments, and other qualifying purchases.

    25 elite night credits each calendar year

    As mentioned above, in addition to offering complimentary Platinum elite status in the Marriott Bonvoy program, the Marriott Bonvoy Brilliant™ American Express® Card comes with 25 elite night credits each year. If you're working toward Titanium elite status, which requires 75 elite night credits, these credits will get you 25 nights closer.

    Priority Pass Select membership

    The card includes a complimentary membership to the Priority Pass network of airport lounges, with more than 1,300 locations around the world (activation is required).

    Global Entry/TSA PreCheck enrollment credit

    The primary cardmember receives a credit toward enrollment in Global Entry ($100) or TSA PreCheck ($85), making your travel experience easier. This credit can be used once every 4 or 4.5 years (exact dates vary by program) so as long as you have the card you'll never have to pay to maintain your membership in these trusted traveler programs.

    Car rental loss and damage insurance

    When you use your Marriott Bonvoy Brilliant™ American Express® Card to reserve and pay for a car rental, you may be covered against loss or damage to the vehicle. This coverage is secondary, and does not provide liability insurance.

    Trip cancellation and interruption insurance

    If you paid for a covered trip with your Marriott Bonvoy Brilliant™ American Express® Card and it's canceled or cut short for a covered reason, you could be reimbursed up to $10,000 per trip and up to $20,000 per card per consecutive 12-month period.

    Baggage insurance plan

    When you purchase a ticket on an airline or other common carrier with your Marriott Bonvoy Brilliant™ American Express® Card, you'll be covered for eligible lost, damaged, or stolen baggage up to $3,000 per trip.

    Trip delay insurance

    You can get reimbursed up to $500 for meals, lodging, toiletries, medication, and other personal items if you've paid for a covered trip with your Marriott Bonvoy Brilliant™ American Express® Card and it's delayed by six hours or more, up to two times per consecutive 12-month period.

    Travel accident insurance

    If the unthinkable happens to you or a loved one on a trip you booked with your Marriott Bonvoy Brilliant™ American Express® Card, you'll be eligible for up to $500,000 in death and dismemberment insurance for you and each of your additional cardmembers, the spouse or domestic partner of each cardholder, and any of their children under age 23.

    Purchase protection

    Your eligible purchases are covered against accidental damage or theft for 120 days, up to $10,000 per claim and up to $50,000 per account.

    Extended warranty

    Cardholders can also get an extended warranty on eligible items when they use their Marriott Bonvoy Brilliant™ American Express® Card to pay — up to one additional year added to eligible US manufacturer's warranties of five years or less.

    Return protection

    If you purchased an eligible item with the Marriott Bonvoy Brilliant™ American Express® Card and the merchant won't accept your return, you're may get a refund of the full purchase price (excluding shipping and handling), up to $300 per item, and a maximum of $1,000 per calendar year.

    Premium Global Assist Hotline

    Cardholders get access to Amex's Premium Global Assist Hotline, which can help arrange things like passport replacement, medical referrals, and translation services.

    The service itself is complimentary, but you may be responsible for any third-party costs. One big difference from the regular (versus premium) Global Assist Hotline is emergency medical evacuation coverage — Amex may provide emergency medical transportation assistance at no cost if it's approved and coordinated by Premium Global Assist Hotline.

    Marriott Bonvoy Brilliant™ American Express® Card

    4.3/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.3 out of 5 Stars

    Intro offer

    150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months

    Rewards

    Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.

    $650

    Annual Fee

    View Full Details

    Apply now

    On American Express's website

    Rates & Fees

    Marriott Bonvoy Brilliant™ American Express® Card

    4.3/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.3 out of 5 Stars

    Intro offer

    150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months

    Rewards

    Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.

    $650

    Annual Fee

    View Full Details

    $650

    Annual Fee

    Apply now

    On American Express's website

    Rates & Fees

    Marriott Bonvoy Brilliant™ American Express® Card from American Express

    Apply now

    On American Express's website

    Rates & Fees

    Card Details

    Rewards

    Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.

    Annual Fee

    $650

    Intro offer

    150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months

    Recommended Credit

    Good to Excellent

    Regular APR

    18.74% - 27.74% Variable

    Editor's Rating

    4.3/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.3 out of 5 Stars

    Pros & Cons

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    Pros

    A check mark. It indicates a confirmation of your intended interaction.

    Annual statement credits can save you money on Marriott stays

    A check mark. It indicates a confirmation of your intended interaction.

    You get a free reward night each year after your renewal month

    Cons

    A dash. It often indicates an interaction to shrink a section.

    High annual fee

    A dash. It often indicates an interaction to shrink a section.

    Other cards are more rewarding for earning points on your spending

    Highlights

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    More Information

    • Earn 150,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.
    • Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
    • A Marriott Bonvoy Platinum Elite member will earn 50% more points on eligible purchases at participating hotels for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
    • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
    • Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
    • Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Benefit options include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $750 discount from Marriott Bonvoy Boutiques.
    • $100 Luxury Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
    • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck® (up to $85) when you pay the application fee with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
    • Each calendar year you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
    • Enroll in Priority Pass Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
    • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
    • No Foreign Transaction Fees on international purchases.
    • Cell phone protection: You can be reimbursed for your costs to repair or replace your damaged or Stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month's wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
    • $650 Annual Fee.
    • Terms Apply.
    • See Rates & Fees

    Additional Reading

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    Read our review A looong arrow, pointing right

    Marriott Bonvoy Brilliant card fees and costs

    The Marriott Bonvoy Brilliant™ American Express® Card has a $650 annual fee. While that's high, it's easy to get a ton of value out of the card if you stay with Marriott frequently. It also has no foreign transaction fees, so using this card is a great way to avoid extra charges when traveling abroad.

    Beyond that, you can avoid most other fees on the Marriott Bonvoy Brilliant™ American Express® Card by paying your balance in full each month so you don't accrue any interest. If you do carry a balance, you're looking at a 18.74% - 27.74% Variable That adds up quickly, so consider a balance transfer credit card or a card with an intro APR offer if you need some time to pay off your credit card balance.

    Like most other cards, the Marriott Bonvoy Brilliant™ American Express® Card charges fees for cash advances, late payments, and returned payments.

    Comparison: American Express Marriott Bonvoy Brilliant vs other Marriott credit cards

    Marriott Bonvoy Brilliant™ American Express® Card

    Marriott Bonvoy Boundless® Credit Card

    Marriott Bonvoy Bountiful™ Card

    Annual fee

    $650

    $95

    $250

    Rewards rate

    6x bonus points* on eligible purchases at hotels participating in the Marriott Bonvoy program

    3x points at restaurants worldwide and on flights booked directly with airlines

    2x points on all other purchases

    6x bonus points* on eligible purchases at participating Marriott Bonvoy hotels

    3x points at grocery stores, gas stations, and on dining (on up to $6,000 in combined purchases per year)

    2x points on all other eligible purchases

    6x bonus points* on eligible purchases at participating Marriott Bonvoy hotels

    3x points on dining and grocery stores (on up to $15,000 in combined purchases per year)

    2x points on all other eligible purchases

    Welcome bonus offer

    150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months

    100,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening

    125,000 Marriott Bonvoy points after spending $4,000 in eligible purchases on your card in the first three months from account opening (offer ends 1/31/23)

    Marriott benefits

    Up to $25 in statement credits per month for eligible purchases at restaurants worldwide

    Automatic Marriott Bonvoy Platinum elite status

    Annual free night award***

    25 elite night credits each calendar year

    Automatic Marriott Bonvoy Silver elite status

    Annual free night award****

    15 elite night credits each calendar year

    Automatic Marriott Bonvoy Gold elite status

    1,000 points per eligible stay

    15 elite night credits each calendar year

    Free night award after spending $15,000 in a calendar year*****

    Other card benefits

    Priority Pass Select airport lounge membership**

    Global Entry or TSA PreCheck application fee credit

    Secondary car rental insurance

    Trip cancellation and interruption insurance

    Baggage insurance plan

    Trip delay insurance

    Travel accident insurance

    Purchase protection

    Extended warranty

    Return protection

    Premium Global Assist Hotline

    No foreign transaction fees

    Car rental insurance (secondary in the US, primary otherwise)

    Lost luggage reimbursement

    Trip delay reimbursement

    Baggage delay insurance

    Purchase protection

    Extended warranty

    Travel and emergency assistance services

    Visa Signature concierge

    No foreign transaction fees

    Lost luggage reimbursement

    Baggage delay reimbursement

    Trip delay reimbursement

    Purchase protection

    Visa Signature concierge

    No foreign transaction fees

    Review

    Marriott Bonvoy Boundless card review

    *Bonus points at Marriott hotels are in addition to the points members would normally earn from a stay

    ***the Marriott Bonvoy Brilliant™ American Express® Card offers an annual free night award each year after your card renewal month for participating Marriott Bonvoy properties that cost up to 85,000 points

    ****the Marriott Bonvoy Boundless® Credit Card offers an annual free night award each year after your account anniversary for participating Marriott Bonvoy properties that cost up to 35,000 points

    *****the Marriott Bonvoy Bountiful™ Card offers a free night award after you spend at least $15,000 in a calendar year for participating Marriott Bonvoy properties that cost up to 50,000 points

    Marriott Bonvoy Brilliant Amex vs other premium cards

    Marriott Bonvoy Brilliant™ American Express® Card

    The Platinum Card® from American Express

    Hilton Honors American Express Aspire Card

    Annual fee

    $650

    $695

    $450

    Rewards rate

    6x bonus points* on eligible purchases at hotels participating in the Marriott Bonvoy program

    3x points at restaurants worldwide and on flights booked directly with airlines

    2x points on all other purchases

    5x points on flights purchased from airlines or Amex Travel****

    5x points on prepaid hotels booked through Amex Travel

    1 point per dollar on all other purchases

    14x points* at Hilton hotels

    7x points on eligible flights booked with the airline, car rentals booked with select rental companies, and at US restaurants

    3x points on all other eligible purchases

    Welcome bonus offer

    150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months

    100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership

    150,000 points after you spend at least $4,000 in your first 3 months of account opening

    Hotel benefits

    Up to $25 in statement credits per month for eligible purchases at restaurants worldwide

    Automatic Marriott Bonvoy Platinum elite status

    Annual free night award***

    25 elite night credits each calendar year

    Complimentary Gold elite status with Hilton Honors and Marriott Bonvoy (enrollment required)

    Up to $200 in credits per year toward prepaid hotel bookings through Amex Fine Hotels and Resorts or The Hotel Collection (minimum two-night stay)

    Access to the Amex Fine Hotels & Resorts program

    $250 annual Hilton resort statement credit

    Automatic Hilton Honors Diamond elite status

    Annual weekend night certificate

    Another free weekend night certificate after you spend a total of $60,000 on eligible purchases in a calendar year

    Up to $100 in on-property credits for minimum stays of two nights at participating Waldorf Astoria and Conrad properties

    Other card benefits

    Priority Pass Select airport lounge membership**

    Global Entry or TSA PreCheck application fee credit

    Secondary car rental insurance

    Trip cancellation and interruption insurance

    Baggage insurance plan

    Trip delay insurance

    Travel accident insurance

    Purchase protection

    Extended warranty

    Return protection

    Premium Global Assist Hotline

    No foreign transaction fees

    Up to $200 in airline fee credits each calendar year**

    Up to $100 in Saks credits each calendar year

    Global Entry or TSA PreCheck application fee credit

    Up to $300 annually (up to $25 per month) in Equinox credits

    $189 per year in credits for CLEAR® membership**

    Up to $240 in annual credits (up to $20 per month) toward eligible digital subscriptions******

    Up to $200 in Uber Cash each calendar year

    Airport lounge access (Priority Pass, Centurion lounges, and more)

    Cell phone protection

    Secondary car rental insurance

    Trip cancellation insurance

    Baggage insurance

    Trip delay insurance

    Return protection

    Purchase protection

    Extended warranty

    Premium Global Assist Hotline

    Discounts and bonuses through Amex Offers**

    No foreign transaction fees

    Priority Pass Select airport lounge membership**

    Up to $250 in airline incidental fee credits per calendar year

    Secondary car rental insurance

    Baggage insurance plan

    Premium Global Assist Hotline

    American Express Concierge

    Return protection

    Purchase protection

    Extended warranty

    Access to discounts and bonus points through Amex Offers**

    No foreign transaction fees

    Review

    Amex Platinum card review

    American Express Hilton Aspire card review

    *Bonus points at Marriott and Hilton hotels are in addition to the points members would normally earn from a stay

    ***the Marriott Bonvoy Brilliant™ American Express® Card offers an annual free night award each year after your card renewal month for participating Marriott Bonvoy properties that cost up to 85,000 points

    ****starting January 1, 2021, the Platinum Card earns 5x points on up to $500,000 spent on eligible flights per year

    ******Eligible digital subscriptions include Hulu, ESPN+, Disney+, Audible, SiriusXM, The New York Times, and Peacock

    Marriott Bonvoy Brilliant frequently asked questions (FAQ)

    What credit score do you need for the Marriott Bonvoy Brilliant? It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Most people who are approved for the Marriott Bonvoy Brilliant™ American Express® Card have a credit score in the good to excellent range, which means a FICO score of at least 670. If you're still working on building your credit, read about how to increase your credit score and how using credit cards can help improve your score.

    Who is eligible for the Marriott Bonvoy Brilliant? It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Because both Amex and Chase issue Marriott co-branded cards, the rules for who can get approved for the Marriott Bonvoy Brilliant™ American Express® Card are a little more complicated than other cards.

    To start, if you already have (or have had) the Marriott Bonvoy Brilliant™ American Express® Card (or the Starwood Preferred Guest® American Express Luxury Card, which isn't available to new applicants), you aren't eligible for the welcome bonus offer.

    You also aren't eligible for the welcome bonus offer on this card if any of the following apply to you:

    • You are a current cardmember, or were a previous cardmember within the last 30 days, of The Ritz-Carlton™ Credit Card from JPMorgan or J.P. Morgan Ritz-Carlton Rewards® Credit Card
    • You've opened the Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, or Marriott Bonvoy Bountiful™ Card in the last 90 days
    • In the last 24 months, you've received a new cardmember bonus offer or upgrade offer for the Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, or Marriott Bonvoy Bountiful™ Card

    Is the Marriott Bonvoy Brilliant card worth it? It indicates an expandable section or menu, or sometimes previous / next navigation options.

    For frequent Marriott travelers, especially those who spend at least $25 per month on dining and can take advantage of Platinum elite status, the Marriott Bonvoy Brilliant™ American Express® Card is very much worth it. Perks like airport lounge access can make your travels more comfortable, and earning a free night award each year worth up to 85,000 points can offset most (or all) of the card's annual fee.

    However, if you don't stay with Marriott that often or aren't sure you can use the card's premium benefits, you're likely better served by cards like the Marriott Bonvoy Boundless® Credit Card ($95 annual fee) or Marriott Bonvoy Business® American Express® Card ($125 annual fee). There are also two new mid-range Marriott cards to consider (Marriott Bonvoy Bountiful™ Card and Marriott Bonvoy Bevy™ American Express® Card) which both have a $250 annual fee).

    Does Marriott have a no-annual-fee credit card? It indicates an expandable section or menu, or sometimes previous / next navigation options.

    If you're opposed to paying an annual fee, there's the no-annual-fee Marriott Bonvoy Bold® Credit Card. It doesn't come with an anniversary free night or a ton of extra Marriott benefits, but it does have a decent welcome bonus offer: 60,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening. Here's our Marriott Bonvoy Bold review with the details.

    Is the Marriott Bonvoy Brilliant card metal? It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Yes, the Marriott Bonvoy Brilliant™ American Express® Card is made of metal and weighs about 15 grams.

    Are additional card members free on the Marriott Bonvoy Brilliant? It indicates an expandable section or menu, or sometimes previous / next navigation options.

    There's no additional fee to add authorized users to the Marriott Bonvoy Brilliant™ American Express® Card. Keep in mind additional card members don't receive most of the premium perks offered to the primary cardholder.

    One exception is the $100 property credit on qualifying stays of two nights or more at The Ritz-Carlton and St. Regis hotels and resorts, which both the basic cardholder and any authorized users can use.

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    Jasmin Baron, CEPF

    Editor

    Jasmin Baron is an editor at Insider, responsible for credit card coverage on Personal Finance Insider. She is also a Certified Educator in Personal Finance (CEPF).Before joining the Insider team, she was a senior editor at The Points Guy and Million Mile Secrets, covering credit cards, points and miles, and loyalty programs. Her expertise in maximizing travel rewards grew from over two decades of experience in the aviation industry, including 18 years working as a pilot and flight instructor in her native Canada.You can reach Jasmin at jbaron@insider.com. Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »

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    For rates and fees of the Marriott Bonvoy Brilliant™ American Express® Card, please click here.

    For rates and fees of the Marriott Bonvoy Business® American Express® Card, please click here.

    For rates and fees of The Platinum Card® from American Express, please click here.

    For rates and fees of The Platinum Card® from American Express, please click here.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.

    Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

    **Enrollment required.

    Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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