Advertiser and Editorial Disclosures
seasonal_icon
Fall into cool new credit card offers! Click to compare now!

Marriott Bonvoy Brilliant™ American Express® Card review: Is it worth the annual fee?

Credit cards with large annual fees might not seem worth it at first glace; however, most times when you dig into the card details, you'll see that the benefits far outweigh the cost of the card. Learn more about the Marriott Bonvoy Brilliant™ American Express® Card and find out whether or not the annual fee is worth it for you.
By Jennifer Doss  CardRatings Editor  | Updated

Marriott Bonvoy Brilliant™ American Express® Card

Marriott Bonvoy Brilliant™ American Express® CardSponsored card
Our Rating:   
Good, Excellent
on American Express's secure website

CardRatings Editor's Analysis: Pros & Cons

  • For a limited time earn 150,000 Marriott Bonvoy bonus points and a bonus Free Night Award after you use your new card to make $5,000 in eligible purchases within the first three months of card membership. (Terms apply; Resort fees may apply; Offer expires 11/3/2021)
  • Enjoy up to $300 in statement credits each year of card membership for eligible purchases at participating Marriott Bonvoy hotels.
  • In addition to numerous hotel perks, this card offers a several great benefits for frequent fliers as well, such as airport lounge access and Global Entry or TSA Pre✓® membership reimbursement.
  • The annual fee isn't for everyone. If you don't frequently stay at Marriott hotels, or you don't think you'll use the other benefits offered by the card, you might have a tough time offsetting the cost of the card.
Terms and Limitations Apply

MARRIOTT BONVOY BRILLIANT™ BENEFITS

2021 Best Credit Cards for Luxury

The Marriott Bonvoy Brilliant™ American Express® Card annual fee is hefty– $450– and so you would expect that a card like this would come with a lot of benefits. Does it live up to the hype, or is it a huge and crushing disappointment? American Express is a CardRatings advertiser. See Rates and Fees; terms apply.

In short, yes, we think that the Marriott Bonvoy Brilliant™ lives up to the hype. At least, it should for fans of the Marriott hotel chain and their many, many brands. (For those who don't know, some of the hotels owned by Marriott include The Ritz-Carlton, St. Regis, Westin, Sheraton, SpringHill Suites and Residence Inn, among several others.)

There are a lot of benefits that come attached to this card. Let's run through some of its biggest assets:

  • It has a very generous rewards program, but we'll talk more about that in the next section.
  • For a limited time earn 150,000 Marriott Bonvoy bonus points and a bonus Free Night Award after you use your new card to make $5,000 in eligible purchases within the first three months of card membership. (Terms apply; Resort fees may apply; Offer expires 11/3/2021)
  • You can get up to a $300 Marriott Bonvoy statement credit every year when making eligible purchases at Marriott hotels and timeshares. Right there, that takes a big bite out of the annual fee.
  • Free Night Award. What's this, you ask? Every year, after your card account anniversary, you receive one free night at a participating hotel (just be aware that some hotels have resort fees).
  • A $100 Marriott Bonvoy property credit. With your card, you can book a special rate for a two-night minimum stay at The Ritz-Carlton or St. Regis and get up to $100 in credit for qualifying charges.
  • Enjoy access to Priority Pass Select, which offers unlimited access to over 1,200 airport lounges in 130 countries, regardless of the airline or class you are flying.
  • Go through airline security easier. Receive either a $100 statement credit for Global Entry or a statement credit for up to $85 for TSA Pre✓® for a five-year plan.
  • Car rental loss and damage insurance. When you use your card to reserve and pay for the entire rental, you can say "no thanks" to the collision damage waiver at the rental company counter, and you will be covered for any damage or theft to the rental vehicle.
  • Baggage insurance plan. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage.
  • Trip cancellation and interruption insurance, up to $10,000 per trip and up to $20,000 per 12 consecutive month period.
  • No foreign transacton fees. See Rates and Fees; terms apply
  • Enrollment required for select benefits.

Top Features

 Rewards
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
 Bonus Rewards
Limited Time Offer: Earn 150,000 Marriott Bonvoy bonus points and a bonus Free Night Award after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Resort fees may apply. Terms apply. Offer expires 11/3/2021.
 Annual Fee

MARRIOTT BONVOY BRILLIANT™ REWARDS

As we said earlier, the rewards are generous. In a nutshell, this may be a hotel credit card, but you also get rewards on airline purchases, restaurants and whatever is on your shopping list, whether it's tube socks or dandruff shampoo or a wall clock.

Here's a breakdown of the rewards…

  • You get six Marriott Bonvoy points for each dollar you spend on eligible purchases at participating Marriott Bonvoy hotels.
  • You'll receive three Marriott Bonvoy points when you eat at U.S restaurants or book a flight directly with airlines.
  • You'll get two Marriott Bonvoy points on all other eligible purchases.

MARRIOTT BONVOY BRILLIANT™ ANNUAL FEE

So, about that fee. This is probably obvious, but we'll spell it out. If you're a fan of the Marriott brand, and you think you'll get a lot of use of the card, you'll probably feel that the $450 fee isn't a big deal. Of course, we'll state the obvious right now: if you never stay at the Marriott and never plan to, then you should look for another card.

If you often stay at Marriott hotels or its timeshare properties and you plan to take advatange of some of the other card perks like lounge access or Global Entry membership, it shouldn’t be too difficult to offset the cost of this card. For instance, that $300 statement credit mentioned above offsets more than half the cost of the annual fee alone. This credit is earned by making eligible purchases directly at hotels or timeshare properties, and purchases include things like restaurant charges or visits to the spa, not obscure things that would make this credit hard to earn. And once you get the Free Night Award after a year of having the card, that should effectively wipe out the entire $450 fee.

So, again, if you're a fan of Marriott or plan on taking an annual family vacation at a Marriott hotel or resort, the card could pay off big for you, and the fee might not be that big of a deal.

If you're more of a Holiday Inn or Comfort Inn sort of person, or you generally sleep on friends' sofas when you travel, there are surely some other travel rewards credit cards that you'll find more to your liking.

HOW DOES MARRIOTT BONVOY BRILLIANT™ COMPARE TO OTHER CARDS?

Marriott Bonvoy Brilliant™ vs. Chase Sapphire Reserve®

If you aren't much of a Marriott fan, you might find Chase Sapphire Reserve®, a more general travel rewards credit card, more to your liking. That said, there are some important differences to be aware of.

The Chase Sapphire Reserve® has a steep annual fee of $550. The Marriott Bonvoy Brilliant™ card's annual fee is still steep but less so– $450.

Each card has a welcome bonus for new cardholders. With Chase Sapphire Reserve®, you'll receive 50,000 points worth $750 in travel when you redeem through Chase Ultimate Rewards® - after spending $4,000 during the first three months of card membership.

For a limited time, use your Marriott Bonvoy Brilliant™ card and spend $5,000 in the first three months, and you'll receive 150,000 bonus Marriott Bonvoy points (offer expires 11/3/21).

Both cards offer a reimbursement of up to $300 in statement credit each account anniversary, which can help to offset the annual fee.

Both cards also offer free airport lounge access lounges worldwide.

And there is no foreign transaction fee for either card, making them both great cards to have when you're traveling internationally.

As far as ongoing rewards goes, Chase Sapphire Reserve® cardholders earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually; 3X points on other travel and dining; and 1X point per dollar spent on all other purchases.

Marriott Bonvoy Brilliant™ vs. Hilton Honors American Express Aspire

(This card is not currently available on CardRatings)

The Hilton Honors American Express Aspire Card also has a $450 fee. So, if you can get past that, you just need to think - do I love Marriott with all my heart, or is it Hilton where my loyalty lies? Much of what is going to steer you toward either card has to do with how you feel about the hotel brand.

The Hilton Honors American Express Aspire has an attractive welcome bonus for cardholders. You'll get 150,000 Hilton Honors bonus points after you use the card to make $4,000 in eligible purchases within the first three months of card membership.

Again, for a limited time, use your Marriott Bonvoy Brilliant™ card and spend $5,000 in the first three months, and you'll receive 150,000 bonus Marriott Bonvoy points (offer expires 11/3/21).

Meanwhile, the Hilton Honors rewards program is very generous - you'll receive 14 points per dollar you spend when you make eligible purchases on your card at participating hotels or resorts within the Hilton Portfolio; seven points on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies and at U.S. restaurants; and three points on all other purchases.

Still, the Marriott Bonvoy's rewards program is no slouch. As a reminder, you'll get six Marriott Bonvoy points for each dollar you spend on eligible purchases at participating Marriott Bonvoy hotels. Moreover, you'll receive three Marriott Bonvoy points when you eat at U.S. restaurants or book a flight directly with airlines. You'll also earn two Marriott Bonvoy points on all other purchases.

Regarding statement credits, Marriott Bonvoy has the edge since you can get up to a $300 Marriott Bonvoy statement credit every year if you make eligible purchases at eligible Marriott hotels and timeshares. But you'll receive less with Hilton Honors– $250 in Hilton Resort credits on your card each anniversary year when you stay at participating resorts within the Hilton portfolio.

Neither card, it should be noted, has a foreign transaction fee.

Marriott Bonvoy Brilliant™ vs. Platinum Card® from American Express

Really, what could be better? You get points for sleeping, eating and shopping. With the Bonvoy Brilliant™ you’ll earn six Marriott Bonvoy points for each dollar spent on eligible purchases at participating Marriott Bonvoy hotels. When you dine at U.S. restaurants (or book a flight directly with airlines), you'll receive three Marriott Bonvoy points. You'll also nab two Marriott Bonvoy points on all other purchases.

The Platinum Card® from American Express does a little better with points for flying and lodging but the rewards are a bit less generous on general purchases. You'll receive 5X Membership Rewards® points for flights booked directly with airlines (using your American Express Platinum card, of course) or through American Express Travel (up to $500,000 spent on these purchases each year) as well as on prepaid hotels booked on amextravel.com. Plus, earn 10x points on per $1 at restaurants worldwide and when you Shop Small in the U.S. during your first six months of card membership (up to $25,000 in combined spending). Any other purchases you make earn 1X point per dollar.

In terms of statement credits, the Marriott Bonvoy Brilliant™ American Express offers a $300 Marriott Bonvoy statement credit every year if you make eligible purchases at Marriott hotels and timeshares. Meanwhile, the Platinum Card® from American Express provides up to $200 a year in statement credits to cover incidental airline charges, like baggage fees and in-flight refreshments, charged on the card with a pre-selected airline (enrollment required). There are, in fact, numerous additional statement credits with the Platinum Card® for everything from certain gym memberships to hotel stays. See our full review for more details.

The Platinum Card® has a hefty $695 annual fee; the Marriott Bonvoy Brilliant™ has a sizable annual fee as well. Still, you want to look at each card carefully beyond the annual fees. If you travel extensively and enjoy the Marriott brand, then you are probably better off with the Marriott Bonvoy Brilliant™. If you travel extensively but aren't wedded to any hotel brand, the Platinum Card® from American Express may be the way to go.

Neither card charges foreign transaction fees.

IS MARRIOTT BONVOY BRILLIANT™ WORTH IT?

As you've no doubt figured out, especially if you've read all of this and haven't just been skimming, if you regularly stay at Marriott properties, and you plan to continue doing so, then, yes, you can make the case that the Marriott Bonvoy Brilliant™ American Express® Card is absolutely worth it. There are a lot of perks and benefits that come with the card that easily help offset the annual fee and then some.

But if your cousin Brenda manages a Ramada Inn, and so you're always going there because she hooks you up with her employee discount, and you last went to a Marriott in 1992 and aren't really sure if you'll ever go again, unless Brenda ever applies to work at a Marriott, in which case, sure, you'd happily go there… then, well, sure getting this credit card would probably not be a brilliant idea. But, again, if you're a frequent traveler, and you often stay at a hotel owned by Marriott, and you're interested in the Marriott Bonvoy Brilliant™, then you probably have an easy decision ahead of you.

 

To see the rates and fees for the American Express cards in this post, please visit the following links: The Platinum Card® from American Express (See Rates and Fees; terms apply); Marriott Bonvoy Brilliant™ American Express® Card (See Rates and Fees; terms apply); Hilton Honors American Express Aspire Card ()

Marriott Bonvoy Brilliant™ American Express® Card Compared to Other Travel rewards Cards

Apply online for Capital One Venture Rewards Credit Card
Apply online for Citi Premier® Card
Citi Premier® Card
Apply online for Chase Sapphire Reserve®
Chase Sapphire Reserve®
Apply online for The Platinum Card® from American Express
The Platinum Card® from American Express
Rewards
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases. 
Rewards
2 Miles per dollar on every purchase, every day. 
Rewards
Earn 3 Points per $1 spent at Restaurants and Supermarkets. Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels. Earn 1 Point per $1 spent on all other purchases. 
Rewards
Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases 
Rewards
Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. 
Bonus Rewards
Limited Time Offer: Earn 150,000 Marriott Bonvoy bonus points and a bonus Free Night Award after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Resort fees may apply. Terms apply. Offer expires 11/3/2021. 
Bonus Rewards
60,000 Miles once you spend $3,000 on purchases within 3 months from account opening  
Bonus Rewards
Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening  
Bonus Rewards
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.  
Bonus Rewards
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.  
Annual Fee
$450 
Annual Fee
$95 
Annual Fee
$95 
Annual Fee
$550 
Annual Fee
$695 
Apply Now
Terms and Limitations Apply
Apply Now
Terms and Limitations Apply

Consumer Reviews

Add Your Review

WRITE A REVIEW

E-Mail will not be published

  
  1. No reviews available for this card.   Be the first to review!
top