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Marriott Bonvoy Brilliant™ American Express® Card

  • Regular Purchase APR 17.24% to 26.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 17.24% to 26.24% variable based on creditworthiness and the Prime Rate on transfers made within 60 days of account opening
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee $450
  • Credit Needed Excellent
  • Processing Network American Express
Best Benefits
  • ◉  6X Marriott Bonvoy points on direct purchases at participating Marriott Bonvoy hotels
  • ◉   3X points on purchases at U.S. restaurants and flights booked directly with airlines
  • ◉   2X points on all other eligible purchases
  • ◉   Free Night Award each year on account anniversary
  • ◉   Complimentary Marriott Bonvoy Gold Elite status
  • ◉   Annual $300 statement for eligible purchases at participating Marriott Bonvoy hotels
  • ◉   Priority Pass Select membership
  • ◉   $100 statement credit for Global Entry or $85 credit for TSA Pre Check
Rates & Fees
  •  Regular Purchase APR: 17.24% to 26.24% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 17.24% to 26.24% variable based on creditworthiness and the Prime Rate on transfers made within 60 days of account opening
  •  Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  •  Cash Advance APR: 26.74% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  •  Penalty APR: Up to 29.99% variable based on the Prime Rate
  •  Annual Fee: $450
  • Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Credit Needed: Excellent

 

At a Glance

The Marriott Bonvoy Brilliant™ American Express® Card is a hotel rewards card that adds a sizable dose of luxury to your wallet with generous rewards and ample perks for Marriott enthusiasts.

The Gist

The flagship entry in the Marriott Bonvoy suite of credit cards, the Marriott Bonvoy Brilliant™ American Express® Card puts a priority on points. You’ll earn a maximum of 6 points per $1 spent on eligible purchases at participating Marriott Bonvoy hotels, 3 points per $1 at U.S. restaurants and on flights booked directly with airlines, and lastly 2 points per $1 on all other qualified purchases. The smallest rewards tier alone already puts the card ahead of the game, but if you really want to increase your earning potential, you’ll want to book with Marriott often.

Another way of netting points quickly is through the card’s welcome offer: 75,000 points are yours once you spend a minimum of $3,000 within your first 3 months as a cardmember. If $3,000 seems like a tall order, that’s because it is; at the same time, this is a top-shelf credit card, and 75,000 bonus points are rare among signup bonuses. Plus, the 75,000 points come in addition to the quantity that you’ll have earned on your way to meeting the offer’s spending requirement.

Other lavish perks you can take advantage of with the Marriott Bonvoy Brilliant™ American Express® Card are a Free Night Award every year after your cardmember anniversary and complimentary Gold Elite Status, which includes even more benefits that are exclusive to the Bonvoy rewards program. If you keep your card on speed dial and manage to spend $75,000 in a calendar year, your status will be bumped up to Platinum Elite, which offers additional incentives.

Continuing with the card privileges, you can get up to $300 in statement credits for eligible incidentals that you pay for with your card at Marriott Bonvoy hotels. Another credit available is in the form of $100 to cover charges when you use the card to book a stay at The Ritz-Carlton or St. Regis properties.

Naturally, the abundance of bonuses comes at a price, and with the Marriott Bonvoy Brilliant™ American Express® Card it’s charged as a $450 annual fee. It’s not a surprising figure, though, given the fact that this is a luxury hotel credit card. However, despite the high fee, making use of as many of the card’s features as possible can quickly offset it. For instance, a maximized $300 incidental statement credit plus the potential value of the anniversary Free Night Award could easily surpass $450, thereby ensuring that the card pays for itself. If your lifestyle makes sense for the Bonvoy Brilliant™, you’ll have no trouble putting the card to good use.

Apply for This Card if You:

  • Book hotel travel frequently, especially at Marriott Bonvoy properties
  • Often incur incidental charges such as room service or spa service during your hotel stay
  • Are looking for a luxury travel card that complements a loyalty program and rewards you for every purchase you make
  • Are looking for a hotel card that charges no foreign transaction fees
  • Want a credit card that allows you to transfer your earned points to other frequent flyer programs

 

Editorial Disclosure — The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.

Published: January 2, 2020 8:17 am

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