Last updated: 8/3/2021

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Marriott Bonvoy Brilliant™ American Express®

Earns: Marriott Bonvoy

GigaTake:

A very expensive card at $450 a year, so make sure it’s worth it. The bonuses sound good (3x on dining and flights, 2x on everything else) but Marriott points aren’t as valuable as they used to be. Still, if you’re a frequent guest, it might make sense for the perks.

This card is best for:

  • Dining
  • Airlines

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Here’s how much you would earn with this card

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You could earn Worth Plus Welcome Bonus Total
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per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

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Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • A top earning card for spending at Marriott properties.
  • Dining and Marriott statement credits can cover the annual fee if you’re able to use them.
  • Lots of good perks: free night, lounge access.

Cons

  • $450 annual fee.
  • Marriott points are less valuable than many other points.

See how the Marriott Bonvoy Brilliant™ American Express® compares to other credit cards

Marriott Bonvoy Brilliant™ American Express® Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 3x

Value = 0.8 cents per point
Effective Value = 2.4 %

0%
9%

Reward Rate = 3x

Value = 0.8 cents per point
Effective Value = 2.4 %

0%
7%

Reward Rate = 2x

Value = 0.8 cents per point
Effective Value = 1.6 %

0%
3%

Welcome Bonus = 75,000

Value = 0.8 cents per point
Effective Value = $600

$0
$1800

Annual Fee = $450

$0
$995
Welcome Bonus
75,000

Good

Bonus Rating

Good

In the top 50% of cards.

Points

After you spend $3,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
3x Airlines

Excellent

excellent

Excellent

In the top 15% of cards.

3x Dining

Good

good

Good

In the top 50% of cards.

6x Marriott

Excellent

excellent

Excellent

In the top 15% of cards.

2x All Other

Good

good

Good

In the top 50% of cards.

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Marriott Bonvoy
Gigapoints Value
.8¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $450
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

$200 Restaurant Credits

Earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership. Terms apply.

$300 Marriott Bonvoy Statement Credit

Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.

Free Night Award

Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.

Complimentary Gold Elite Status

Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card.‡ Earn Marriott Bonvoy Platinum Elite status after making $75,000 in eligible purchases on your Card in a calendar year.

Airport Lounge Access

Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership

The Fine Print

PURCHASES APR 15.74% to 24.74%
BALANCE TRANSFER APR 15.74% to 24.74%
CASH ADVANCE APR 25.24%
CASH ADVANCE FEE Either $10 or 5% of the amount of each advance, whichever is greater.
FOREIGN TRANSACTION FEE 0%