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Marriott Bonvoy Brilliant® American Express® Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.99% ‐ 29.99% (Variable)
Interest Rate: Purchases
20.99% ‐ 29.99% (Variable)
Balance Transfer
Balance Transfer
2 - 6 points
2 - 6 points
Signup Bonus
85000 points (after spending $6,000)
Signup Bonus
85000 points (after spending $6,000)

Informr score
The Marriott Bonvoy Brilliant® American Express® Card currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 24 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Marriott Bonvoy Brilliant® American Express® Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

The Points Guy
The Points Guy

If you’re a Marriott loyalist in need of a cobranded credit card or are looking to change from a different Marriott card, the Marriott Bonvoy Brilliant is an ideal choice. Its earning rates are not as lucrative as those of some of its competitors, but the large welcome offer coupled with impressive...

- Benji Stawski, Ryan Wilcox, The Points Guy
One Mile at a Time
One Mile at a Time

The Marriott Bonvoy Brilliant Card is Marriott’s most premium credit card. The card has a $650 annual fee, but offers perks like Platinum Elite status, an up to $300 annual restaurant credit, an annual free night certificate valid at a property costing up to 85K points, and much more. Add in all the...

- Ben Schlappig, One Mile at a Time

This card has more than enough premier perks for frequent Marriott guests to justify the annual fee, including complimentary Gold Elite status, impressive annual credits and prized American Express travel features.

- Garrett Yarbrough, Brendan Dyer, Bankrate

This card offers a ton of ongoing value via its first-year and ongoing perks, but its high annual fee means it will only be viable if you spend a lot of time at Marriott hotels.

- Emily Sherman,
Frugal Flyer
Frugal Flyer

The Amex Bonvoy Brilliant is one of the best hotel-focused credit cards in both the US and Canadian Market. While the $650 USD annual fee may seem daunting for some, the value that you can extract from this card makes it completely worth it. If you plan on staying at Marriott properties at least onc...

- Josh Bandura, Frugal Flyer


Interest Rates
Regular APR Interest Rate 20.99% ‐ 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate

Not available

Cash Advance Interest Rate 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $650.00
Balance Transfer Fee
Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus 85000 points after spending $6,000

On purchases within the first 6 months

All Purchases 2 points per $1 spent
Restaurants 3 points per $1 spent
Gas No
Groceries No
Hotels 6 points per $1 spent

On eligible purchases at participating Marriott Bonvoy hotels.

Travel 3 points per $1 spent

On flights booked directly with airlines.

Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards Yes
Additional Benefits
  • Enjoy up to $25 a month in Dining statement credits each calendar year
  • 1 Free Night Award every year after your card renewal month
  • $100 Marriott Bonvoy® Property Credit
  • Complimentary Marriott Bonvoy® Platinum Elite Status
  • Fee Credit for Global Entry or TSA Precheck®
  • Each calendar year you can receive 25 Elite Night Credits
  • Priority Pass™ Select
  • Baggage Insurance Plan
  • Trip Cancellation and Interruption Insurance
  • Trip Delay Insurance
  • Return Protection
  • Cell Phone Protection[
  • Earned Choice Award benefit each calendar year after spending $60,000 on eligible purchases
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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