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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Marriott Bonvoy Brilliant American Express Card card art
Bonvoy Brilliant 1 of 1
Comparing 1 card
Marriott Bonvoy Brilliant American Express Card card art
American Express
Bonvoy Brilliant
Apply Details
Cost and value $650 fee
Annual fee
$650
Credits you can use a year, if you use every one
$330
Fee after credits
$320 a year net cost
Point value per point or mile
0.75¢ Estimate
Rewards currency
Marriott Bonvoy Points
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 100,000 points, about $750
Bonus
100,000 points
Estimated value
$750
Spend to earn it less a month is easier
$6,000 in 180 days about $1,000 a month
Earning rates Top rate 6x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
3x about 2.2% back
Flights
3x about 2.2% back
Everything else
2x about 1.5% back
Only on this card
  • 6x Hotels
Statement credits $330 a year
Trusted traveler
  • $120 every 4 years
    What counts

    Receive either a $120 statement credit for Global Entry or up to $85 statement credit for TSA PreCheck, once every 4 years.

Dining and delivery
  • $300 a year $25 every month
    What counts

    Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made at restaurants worldwide.

Travel booking
  • $100 per stay
    What counts

    Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton or St. Regis when booking direct using a special rate for a 2 night minimum stay.

Monthly credits to track fewer is less work
1
Certificates and passes 1 free night, about $638 a year
A free night is valued at its points cap and our points valuation. Certificates expire, so their value depends on using them in time.
Free nights
  • Free Night Award, up to 85,000 points each card year, about $638 a year
Yearly value certificates that arrive each card year
about $638
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel Marriott Bonvoy Platinum Elite, 1 lounge benefit
Elite status
  • Marriott Bonvoy: Platinum Elite
Other status perks
  • Each calendar year, receive 25 Elite Night Credits towards the next level of Marriott Bonvoy Elite status.
Airport lounges
  • Enroll in Priority Pass for unlimited visits to over 1,300 airport lounges in over 130 countries.
Travel benefits
  • 24/7 medical, legal, financial, and emergency coordination assistance while traveling more than 100 miles from home.
  • Receive free in-room, premium Internet access at participating hotels; booking requirements apply.
  • Enjoy every trip abroad with no foreign transaction fees from American Express.
Protection and insurance 8 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Trip delay
  • Reimbursement for certain additional expenses if a covered reason delays a round trip paid for entirely with the Eligible Card by more than 6 hours, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period.
Baggage
  • Coverage for lost, damaged, or stolen baggage when purchasing the entire fare for a common carrier vehicle ticket. Up to $2,000 for checked baggage and up to $3,000 combined for checked and carry-on baggage.
Rental car
  • Coverage for damage to or theft of a rental vehicle when using the Card to reserve and pay for the entire rental and declining the CDW. Secondary coverage; not available in Australia, Italy, and New Zealand.
Cell phone
  • Be reimbursed for repair or replacement costs following damage or theft, up to $800 per claim with a limit of 2 approved claims per 12-month period, when your cell phone line is listed on a wireless bill paid with an eligible Card. A $50 deductible applies to each claim.
Extended warranty
  • Adds up to one extra year to the Original Manufacturer's Warranty on eligible purchases, for warranties of 5 years or less.
Purchase protection
  • Covers eligible purchases against accidental damage, theft, or loss for up to 90 days from purchase date, up to $10,000 per covered purchase and $50,000 per calendar year.
Return protection
  • Return eligible purchases to American Express if the seller won't take them back, up to 90 days from purchase date, refund up to $300 per item, up to $1,000 per calendar year per Card account.
Other coverage
  • Split American Express purchases with Venmo or PayPal users directly from the Amex App; enrollment required.
  • Earn extra rewards on qualifying purchases made at select brands through Amex Offers.
  • Reimbursement for non-refundable expenses if a covered reason cancels or interrupts a round trip purchased entirely with the Eligible Card, up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period.
  • Each calendar year after spending $60,000 on eligible purchases, select one Brilliant Earned Choice Award benefit; only one per calendar year.
Lifestyle and other perks 2 perks
Lifestyle and entertainment
  • Enroll your Card and get 10% back on qualifying concessions purchases at select stadiums and arenas, up to $250 per calendar year. Limit one enrolled Card per eligible Card Member.
  • Access to purchase Amex Presale Tickets and Amex Reserved Tickets for select events across sports, music, and more.
Authorized users Free
Cost
Authorized users are free.
Each one gets
  • American Express venue collection
  • Baggage insurance plan
  • Car rental loss and damage insurance
  • Cell phone protection
  • Purchase protection
  • Trip cancellation and interruption insurance
  • Trip delay insurance
Application rules 2/90
Issuer approval rules
  • 2/90 Community-reported
    What counts

    American Express generally approves at most 2 of its credit cards per 90 days.

  • 5 credit card limit Community-reported
    What counts

    American Express generally limits you to 5 of its credit cards at once.

  • 10 charge card limit Community-reported
    What counts

    American Express generally limits you to 10 of its charge cards at once.

Bonus eligibility
  • Once per lifetime Issuer-stated
    What counts

    American Express welcome offers are generally once per lifetime for each card, unless your specific offer omits the lifetime language.

  • Marriott Bonvoy 24-month rule Issuer-stated
    What counts

    Marriott Bonvoy welcome bonuses are restricted across both American Express and Chase if you currently hold a conflicting Marriott Bonvoy card or earned a Marriott Bonvoy welcome or upgrade bonus in the past 24 months.

Card type
Personal