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Reward values are calculated using 200+ adjustable factors.
To get started, choose a profile that best describes you, and then click the Customize button.

Typical spender

My spending will be pretty similar to the average person.
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Heavy traveler

I'll use the card mostly for travel-related purchases.
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First-year bonus chaser

I'm just looking for the best signup bonus.
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Ongoing deal chaser

I'll spend extra time using shopping portals that'd maximize my savings.
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Business owner

I'll use the card mostly for business purposes.
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Urbanite

I spend more than the average person on dining, clothing, and entertainment.
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Suburbanite

I'll spend more than the average person on groceries, home supplies, etc.
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Essentials spender

I'll mostly only be buying the essentials (gas, groceries, etc.)
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APR-focused

I usually don't pay off my full balance, and/or I'll transfer a balance.
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Credit newbie

I'm just starting out, or am trying to rebuild my credit.
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Credit Score

Which of these features do you want to include in each credit card's value per year?

How much will you spend per month?

  • $Total per month

    • $on Shopping

      • $on Online-only merchants (e.g., Amazon.com)

      • $on Department stores and wholesale clubs

      • $on Other shopping (e.g., clothing stores, furniture stores, etc.)

    • $on Food & dining

      • $on Groceries

      • $on Restaurants

    • $on Gas

    • $on Travel

      • $on Air travel

      • $on Hotels

      • $on Rental car

      • $on Transit (e.g., Uber, Lyft, taxis, buses, trains, parking)

    • $on Bills & misc.

      • $on Entertainment (incl. movies & events)

      • $on Health & fitness (incl. drugstores & pharmacies, healthcare)

      • $on Bills & utilities

      • $on Everything else

General Questions

How many years will you use this card?

What % of your balance do you plan on paying each month?

Other General Questions

  • Average amount spent abroad per year

    • Amount ($) planning to transfer

    • Expected # of months it'll take to pay off

    • # months from now when balance transfer will occur

Narrow Your Results

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.

$303/yr

total value to you

Annual Fee

Welcome Bonus

APR

$450
 
75K points
(after spending $3K w/in 3 months)
15.74-24.74%
 
Issuer
American Express
Network
American Express
Credit Score Required
Average (670-739)
X

Pros

  • 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 on dining and flights. 2x points on everything else.
  • $300 annual credit for purchases at Marriott Bonvoy hotels.
  • Complimentary Marriott Bonvoy Gold Elite status.
  • Priority Pass Select membership.
  • 1 free night every year after your card account anniversary.
  • No foreign transaction fees.
  • And lots of other great travel benefits.

Cons

  • $450 annual fee.
  • Each point is worth just 0.7 cents on average, which is low compared to other credit cards.
  • Probably not worth it unless you're a frequent Marriott guest.

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.
  • 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.

Rates & Fees

  • Annual fee: $450.
  • APR on purchases: 15.74-24.74%.
  • No foreign transaction fees.

Total savings over 5 years: $1,515