Pros & Cons

Pros

  • +Welcome Bonus: 150,000 points
  • +Up to 6x at Marriott Bonvoy hotels
  • +Lounge access included

Cons

  • High annual fee ($650/yr)

Our Review

Experience Luxury Benefits with the Marriott Bonvoy Brilliant® American Express® Card

  • Earn 200,000 Marriott Bonvoy® bonus points after $6,000 in purchases within the first 6 months of Card Membership.
  • 6X points per $1 at Marriott Bonvoy hotels; 3X points at restaurants & on flights; 2X points on all other purchases
  • $300 annual dining credit ($25 per month)
  • 1 free night award each year (up to 85,000 points)
  • $100 property credit on qualifying Ritz‑Carlton & St. Regis stays
  • Complimentary Platinum Elite status with upgrades & free breakfast
  • Priority Pass Select membership for airport lounge access
  • Global Entry/TSA PreCheck® credit every 4 years
  • Robust travel & purchase protections including trip delay, baggage coverage & cell phone protection
  • $650 annual fee

Whether you’re planning a weekend getaway or an extended luxury stay, the Marriott Bonvoy Brilliant® Card delivers top‑tier perks that help you earn and redeem points faster, offset costs with valuable credits, and travel with confidence thanks to elite status and comprehensive protections.

Terms apply. Welcome offer and benefits require qualifying spend and enrollment. See issuer for complete details.

Rewards

All Spending

2x

Marriott Bonvoy pts per dollar

Marriott Bonvoy hotels

6x

Marriott Bonvoy pts per dollar

Restaurants

3x

Marriott Bonvoy pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries2x
$700/mo
Gas & EV2x
$200/mo
Transit2x
$100/mo
Restaurants3x
$300/mo
Pharmacy2x
$50/mo
Travel2x
$150/mo
Bills & recurring payments2x
$250/mo
Telecom2x
$150/mo
Entertainment & streaming2x
$100/mo
Office supplies2x
$0/mo
All other spending2x
$500/mo

Points Earned

63,600

Marriott Bonvoy/yr

Estimated Value

$636

After Fees

$-14

1st Year Value

$1,486

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 2x16,800 pts
Gas & EV$2,400/yr × 2x4,800 pts
Transit$1,200/yr × 2x2,400 pts
Restaurants$3,600/yr × 3x10,800 pts
Pharmacy$600/yr × 2x1,200 pts
Travel$1,800/yr × 2x3,600 pts
Bills & recurring payments$3,000/yr × 2x6,000 pts
Telecom$1,800/yr × 2x3,600 pts
Entertainment & streaming$1,200/yr × 2x2,400 pts
All other spending$6,000/yr × 2x12,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year2.12x
Total points earned63,600 pts
Value of points accumulated in the first year$636

Perks & Benefits

Lounge Access

Unlimited

Wi-Fi access

Included

NEXUS membership

Included

Travel Credits

Included

NEXUS Credit

$120

Additional Benefits

Premium Global Assist Hotline: available 24/7 for coordination and assistance with services such as lost passport replacement assistance, translation services, missing luggage assistance and emergency legal and medical referrals while traveling more than 100 miles from home; emergency medical transportation/evacuation may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline (Premium Global Assist Hotline Benefit Guide). Return Protection: if you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price, up to $300 per item, excluding shipping and handling charges, and up to a maximum of $1,000 per Card Member account per calendar year (Return Protection Benefit Guide). $300 Brilliant Dining Credit (up to $25 per month in statement credits at restaurants worldwide); Brilliant Earned Choice Award, selectable each calendar year after $60,000 in eligible purchases. Travel benefits: Priority Pass™: enrollment gives an unlimited number of visits to over 1,300 airport lounges in over 130 countries, regardless of which carrier or class you are flying; Marriott Bonvoy® Platinum Elite Status, including room upgrades such as enhanced views or suites when available upon check-in; a Free Night Award every year after your Card renewal month (redemption level at or under 85,000 Marriott Bonvoy® points); 25 Elite Night Credits each calendar year; Premium Internet Access — free in-room, premium Internet access; No Foreign Transaction Fees; Car Rental Loss and Damage Insurance; Premium Global Assist® Hotline; Baggage Insurance Plan (up to $2,000 for checked Baggage, combined maximum $3,000); Trip Cancellation and Interruption Insurance (up to $10,000 per trip); Trip Delay Insurance (covered delays over 6 hours, up to $500 per trip). Travel credits: Up to a $100 Marriott Bonvoy® Property Credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a 2-night minimum stay. Fee Credit for Global Entry or TSA PreCheck®: either a $120 statement credit for Global Entry or up to $85 for a five-year TSA PreCheck® plan through an official enrollment provider. Only one credit is given in a 4 year period, for whichever application fee is charged to the Card first.

Travel Insurance

Trip Cancellation

Up to $10,000

Trip Interruption

Up to $10,000

Lost Baggage

Up to $3,000

Flight Delay

Up to $500

Purchase Protection

Purchase Protection

Up to $10,000 / 90 days

Extended Warranty

+1 years

Mobile Device

Up to $800

Auto Rental Collision (secondary)

Up to $75,000 / 30 days

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $650

Terms & Conditions

Card Features

  • Earn 200,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
  • $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
  • With Marriott Bonvoy® Platinum Elite Status, you can receive room upgrades, including enhanced views or suites, when the stay is booked with a Qualifying Rate at hotels that participate in Marriott Bonvoy, subject to availability upon check-in.
  • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
  • 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 on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
  • $100 Marriott Bonvoy® 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 ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card 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.
  • Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits 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.
  • No Foreign Transaction Fees on international purchases.
  • With Cell Phone Protection*, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. *Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.
  • Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

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