Marriott Bonvoy Brilliant American Express Card Credit Card

Marriott Bonvoy Brilliant American Express Card

Last Updated: 03/13/2026

Rating
3.8 / 5
Sign Up Bonus
200,000 Bonvoy Points
Annual Fee
$650
Credit Score
Good

Summary

03/12/2026: Welcome offer has increased to 200K Marriott Bonvoy Points, which is the highest ever seen on the card. Offer is set to end 05/13/2026

Sign-Up Bonus
4
Spending Multipliers
3.5
Credits & Features
4
Fees
2
Application
5
Issuer
NaN

The Marriott Bonvoy Brilliant American Express Card is a premium hotel credit card designed for frequent guests of Marriott International who want elite status, luxury perks, and comprehensive travel protections. While the annual fee is not waived in the first year and many statement credits are distributed incrementally, cardholders can benefit from up to $25 in monthly dining credits, $100 Marriott property credits at select locations, a free night award, and automatic Marriott Bonvoy Platinum Elite status, making it ideal for travelers who stay frequently at Marriott properties. Additional advantages include a $120 Global Entry or TSA PreCheck credit every four years, 25 elite night credits, Priority Pass Select access, and the ability to earn a Choice Award after $60,000 in annual spend. Robust travel protections—such as cell phone coverage, return and purchase protection, extended warranty, car rental loss and damage insurance, baggage insurance, trip delay coverage (up to $500 per trip), and trip cancellation/interruption insurance—add extra security for frequent travelers. Although Marriott points are valued around 0.7 cents each, the card is best suited for loyal Marriott guests who can fully leverage elite perks, credits, and luxury travel benefits.

Pros

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Credits to offset the annual fee
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No fee for additional cardholders
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No foreign transaction fee
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Cell phone protection
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Return protection up to $300 per item and $1,000 per calendar year
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Purchase protection up to $10,000 per occurrence and $50,000 per calendar year
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Extended warranty up to $10,000 per item and $50,000 per calendar year

Cons

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Welcome offer may not be available to all applicants
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Annual fee not waived in the first year
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Credits won’t not offset annual fee
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Lots of credits are paid incrementally throughout the year
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Points are worth about 0.7 cents per point

Issuer

Spending Multipliers

Credits & Features

$25 monthly Dining Credit
$100 Marriott property credit at select properties
Free night award
Marriott Bonvoy Platinum Elite status
Earned Choice Award after $60,000 in spend
$120 credit for Global Entry or TSA PreCheck every 4 years
25 elite night credit
Priority Pass Select
Car rental loss and damage insurance
Baggage insurance
Trip delay insurance up to $500 per trip
Trip cancellation and interruption insurance up to $10,000 per trip and $20,000 per 12 months

Application

  • Welcome offer can only be received once in a lifetime
  • Having related cards, even Chase cards might disqualify you from receiving the welcome offer
  • Opening this card might effects your welcome offer eligibility on other cards in the same family
  • Number of hard pull are usually irrelevant for American Express
  • Consider having at least a credit history for 6 months and avoid applying to different cards in the same card family for at least 90 days
  • American Express limits customers to 5 credit cards

Fees

  • $650 Annual Fee
  • No Foreign Transaction Fee
  • Up to $40 late fee
  • Up to $40 return payment fee
  • 19.49% - 28.49% Variable APR
  • 28.74% APR for Cash Advance
  • $10 or 5% of each cash advance amount (whichever is greater)
See Full and Updated Rate & Fee Schedule During Application Process