American Express Marriott Bonvoy Brilliant
A premium card that's great for frequent Marriott guests, with a 75K points welcome bonus, great points earn rates (6x at Marriott, 3x on dining and airplane flights, and 2x on everything else), and loads of other excellent travel perks, but a high $450 annual fee.
Your total savings: $1,515 over the next 5 years
View reward detailsRewards & Perks
Reward Highlights
- 75,000 bonus points if you spend $3,000 within the first 3 months.
- $200 in statement credits for purchases at US restaurants in your first 6 months.
- 6x points at Marriott Bonvoy hotels. 3x points at U.S. restaurants and on flights booked directly with airlines. 2x points on everything else.
- $300 annual credit for purchases at Marriott Bonvoy hotels.
- Priority Pass Select membership: Rest and revive before your flight at one of the 1,000+ VIP lounges in over 500 cities worldwide.
- 1 free night per year: 1 free night every year after your card account anniversary.
- $100 Marriott Bonvoy property credit: With your Marriott Bonvoy Brilliant American Express Card, book direct using a special rate for a 2-night minimum stay at The Ritz-Carlton or St. Regis and get up to $100 in credit for qualifying charges.
- 15 elite night credits: Each calendar year you can receive 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status.
Other Rewards & Perks
- Premium Global Assist Hotline: When you travel more than 100 miles from home, you have 24/7 access to medical, legal, financial, or other select emergency coordination and assistance services, including medical and legal referrals, assistance with cash wires, passport replacement, missing luggage and more.
- Global Entry or TSA Pre ✓® fee credit: Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card.
- American Express Experiences: Get access to concert, theater, and special event tickets before they go on sale to the public.
- Return protection (90 days): You can be reimbursed for eligible items that the store won't take back within 90 days of purchase.
- Purchase Protection (90 days): Coverage for eligible items you buy with your card if they are lost or stolen within 90 days of your purchase.
- Pay It or Plan It: Two different options to pay down your balance. Take advantage of the "Pay It" option to pay small purchase amounts (under $100), or you can "Plan It" to split up large purchases ($100 or more) with a fixed fee.
- Other perks include: Fraud protection, car rental loss and damage insurance, trip delay reimbursement, trip cancellation and interruption insurance, lost luggage reimbursement, premium internet access, and extended warranty for warranties of 5 years or less.
Special Signup (Promo) Rewards & Perks
- 75,000 bonus points if you spend $3,000 within the first 3 months.
- $200 in statement credits for purchases at US restaurants in your first 6 months.
Rates & Fees
Summary of Rates & Fees
- Annual fee: $450.
- APR on purchases: 15.74-24.74%.
- No foreign transaction fees.
Annual Fee: $450
Interest Rate (“Purchase APR”): 15.74-24.74%
Other Info
Date Introduced: 2019-02-13
Date Last Updated: 2021-05-16
Notes & Fine Print
This card's predecessor was the Starwood Preferred Guest American Express Luxury Card, which was rebranded as the Marriott Bonvoy Brilliant American Express Card on February 13, 2019. Plan Fee (Fixed Finance Charge): Up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.
Summary of Penalty Conditions
This APR will vary with the market based on the Prime Rate. This APR may be applied to new transactions on your account if: 1) you make one or more late payments; or 2) your payment is returned by your bank We may also consider your creditworthiness in determining whether or not to apply the penalty APR to your Account. How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for at least 6 months. We review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until after you have made timely payments, with no returned payments during the 6 months being reviewed.
✔ Overall favorites
✔ Travel rewards (airline and hotel)
✔ Signup bonuses
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