American Express
Marriott Bonvoy Brilliant American Express Card
Estimated value every year on typical spending
$75/ year
Every year, after the annual fee. Year one adds a $700 welcome bonus: $775
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Brilliant Dining Credit $300 → $105 · Free Night Award $150 · Priority Pass (not counted)
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Marriott Bonvoy Brilliant American Express Card returns about $725 a year in rewards and usable credits, which covers its $650 fee with $75 to spare. The welcome bonus adds roughly $700 in the first year.
The fine print
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.74% variable
- Foreign fee
- None
- Top perk
- $300 Brilliant Dining Credit
- Approval
- Excellent credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 6X points at hotels participating in Marriott Bonvoy
- 3X points at restaurants and on flights booked directly with airlines
- 2X points on all other eligible purchases
Sign-up bonus
100,000 Marriott Bonvoy Bonus Points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Best for
- Travelers who redeem points
- Perk-seekers who travel often
Not ideal for
- Light or occasional spenders
- People who want plain cash back
- Thin or new credit files
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Top-tier earning ↔ harder to qualify for; Large welcome bonus ↔ higher spend requirement.
Worth knowing
- Annual fee
- $650
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.74% variable
- $400/mo on dining earns about $101/year (2.0999999999999996x).
- $1200/mo on everyday spending earns about $202/year (1.4x).
- The $650 fee pays for itself at about $4920/mo on dining.
- You come out ahead of a no-fee 1% card after about $59100/year of dining spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Marriott Bonvoy Brilliant American Express Card: questions people ask
Is the Marriott Bonvoy Brilliant American Express Card worth it?
On typical spending the Marriott Bonvoy Brilliant American Express Card returns about $725 a year in rewards and usable credits, which covers its $650 fee with $75 to spare. The welcome bonus adds roughly $700 in the first year.
What is the Marriott Bonvoy Brilliant American Express Card annual fee?
The Marriott Bonvoy Brilliant American Express Card has a $650 annual fee. On typical spending its rewards and usable credits come to about $725 a year, so it nets about $75 after the fee.
What is the Marriott Bonvoy Brilliant American Express Card welcome bonus?
Earn 100,000 Marriott Bonvoy Bonus Points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. We value it at about $700. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Marriott Bonvoy Brilliant American Express Card earn?
6X points at hotels participating in Marriott Bonvoy. 3X points at restaurants and on flights booked directly with airlines. 2X points on all other eligible purchases.
What credit score do you need for the Marriott Bonvoy Brilliant American Express Card?
The issuer doesn't say; we'd class it as: excellent credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Marriott Bonvoy Brilliant American Express Card charge foreign transaction fees?
No. The Marriott Bonvoy Brilliant American Express Card has no foreign transaction fee.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: American Express product page. Terms change often; confirm them with the issuer before you apply.