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Our quick take: The Marriott Bonvoy Brilliant™ American Express® Card offers luxury travel benefits, including a statement credit worth up to $300 each year (for Marriott purchases through 9/21/22 and then for restaurants worldwide, up to $25 per month), and is a good fit for travelers who are loyal to the Marriott brand and want elite benefits with every stay.
- Earn 6 points for every dollar spent on Marriott purchases.
- Earn 3 points per dollar at U.S. restaurants and flights booked directly with airlines.
- Earn 2 points per dollar on other purchases.
- Complimentary Marriott Gold elite status for being a card member.
- Up to $300 in annual Marriott credits (through 9/21/22)
- Starting Sept. 22, 2022, up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
- Receive an annual Free Night Award that can be used at any Marriott property worth up to 50,000 points starting with the second year you have the card.
- Priority Pass Select airport lounge membership.
- Marriott Bonvoy points aren’t as valuable as some other hotel points.
- The card’s perks can be difficult to use if you aren’t a regular at Marriott hotels.
- $450 annual fee (see rates and fees).
Current welcome bonus: Earn 75,000 bonus points when you spend $3,000 within three months of opening the account.
Best for: Marriott loyalists who are willing to pay a steep $450 annual fee to get a premium hotel credit card with VIP benefits and perks.
Digging into the Marriott Bonvoy Brilliant American Express Card
There are four Marriott credit cards to choose from, yet the Marriott Bonvoy Brilliant American Express Card stands out as the luxury option. This card isn’t cheap with a $450 annual fee, but it comes with by far the most perks among Marriott credit cards.
Currently, Marriott Brilliant Amex card members get up to $300 in credits that can be used at participating Marriott hotels and resorts. However, effective Sept. 22, 2022, this benefit is changing where instead of a statement credit for Marriott purchases, you’ll receive a statement credit for eligible purchases at restaurants worldwide. You’ll still receive up to $300 per calendar year, but cardmembers are only eligible for up to $25 per month. While this requires you to now be more on top of your credits monthly, if you can use those $300 in credits, you’ll effectively knock the annual fee down to just $150, which is only $55 more than the typical $95 annual fee charged for many other travel credit cards.
In addition, when you have the Marriott Brilliant Amex card, you can get up to $100 in property credit for qualifying charges when you book direct at Ritz-Carlton or St. Regis properties using a special rate for a two-night minimum stay. This credit is in addition to the up to $300 in statement credits (either Marriott or restaurant purchases, depending on when you utilize the credits), and can be used for expenses such as room service and spa treatments.
But on top of that, the card currently comes with a decent welcome bonus for new card members. You can earn 75,000 bonus points with the Marriott Brilliant Amex when you spend $3,000 within three months of opening the account. Frequent flyer website The Points Guy values Marriott points at 0.8 cents apiece, so at that rate, those 75,000 bonus points are worth $600 in travel.
Advantages of the Marriott Brilliant Amex card
In addition to the up to $300 in credits, when you add up the perks you get with the Marriott Brilliant Amex, the cost can easily start to make sense for regular Marriott guests, even if you don’t use the credits for Ritz-Carlton or St. Regis stays.
Marriott Brilliant Amex card members get complimentary Marriott Gold elite status, which comes with benefits like 25% bonus points on stays, late 2 p.m. checkout when available and enhanced room upgrades. And starting with the second year you have the card (and every year thereafter), you’ll get a Free Night Award that can be redeemed for one night at any Marriott property worth up to 50,000 points.
Just keep in mind that Marriott recently switched to a dynamic pricing system, so the redemption cost for a room at any Marriott hotel now varies from day to day depending on the cash price of the room at any given time.
Other perks of the Marriott Brilliant Amex card include a Priority Pass Select airport lounge membership, up to $100 in credits for a Global Entry or TSA PreCheck membership application, 15 elite night credits each calendar year and a nice package of consumer protections and travel insurance benefits.
We also like the fact that the Marriott Brilliant Amex comes with 15 elite night credits each year. While you’ll already get Marriott Gold elite status with the card to score some elite benefits right away, the elite credits give you a leg up when it comes to climbing up to higher levels of status through paid stays.
Finally, the Marriott Brilliant Amex has a surprising number of consumer protections for a hotel credit card. Travel-related perks include secondary auto rental coverage, a baggage insurance plan, trip cancellation and interruption insurance and trip delay coverage. Other benefits include purchase protection against damage or theft, return protection and an extended warranty on eligible items.
Disadvantages of the Marriott Brilliant Amex card
Obviously, the biggest downside of the Marriott Brilliant Amex is its $450 annual cost. We’ve shown how you can offset the majority of that cost each year by utilizing the card’s various perks, but that’s only feasible if you stay at Marriott hotels on a frequent basis.
Even if you’re a Marriott regular, the fact that all of the card’s perks come with conditions is another annoyance. For example, you can only get the up to $300 in annual credits if you stay at participating Marriott properties and spend at least that much while you’re there. And once the new benefit kicks, the restaurant credits is a monthly benefit, which doesn’t rollover month to month. So you’ll need to pay attention monthly to ensure you’re fully utilizing the benefit.
Meanwhile, the up to $100 in credits at Ritz-Carlton or St. Regis properties is only good for stays of two nights or longer booked directly with Marriott, so you can’t book with an online travel agency like Expedia or Orbitz and use the perk. And the card’s annual Free Night Award that you get starting with your second card member year isn’t unlimited, so you can’t use it at the ultra-top-tier Marriott resorts.
You get the point. The $450 annual fee on the Marriott Brilliant Amex can be a good value, but there are a lot of hoops to jump through to get your money’s worth, which is unfortunately a common theme when it comes to perks on American Express cards.
Stacking up the Marriott Brilliant Amex card against our benchmark
CNN Underscored uses the Citi® Double Cash Card as our “benchmark” credit card. That doesn’t mean it’s the best credit card on the market — rather, it means we use it as a basic standard to compare other credit cards and see where they score better, and where they’re worse.
Here’s how the Marriott Brilliant Amex card scores against our benchmark. The features of each card in the below chart are colored in green, red or white. Green indicates a card feature that’s better than our benchmark, red indicates the feature is worse than our benchmark and white indicates the feature is either equivalent or cannot be directly compared to our benchmark.
By and large, the Marriott Brilliant Amex comes with significantly better benefits than our benchmark card, but a sizable $450 annual fee compared to the no-annual-fee Citi Double Cash. For this reason, you’ll really need to be able to take advantage of all the benefits of the Marriott Brilliant Amex card in order to make it worth the cost.
Other credit cards similar to the Marriott Brilliant Amex card
If you’re looking for a Marriott credit card but don’t want to pay $450 a year or don’t think you’ll use all the elite benefits of the Marriott Brilliant Amex, there are two other personal cards to consider, both issued by Chase rather than American Express. Generally speaking, these options are geared to more infrequent Marriott guests who don’t want to pay $450 per year for a hotel credit card.
The Marriott Bonvoy Boundless® Credit Card comes with fewer perks but features a much lower $95 annual fee. It earns the same 6 points per dollar at Marriott properties as the Marriott Brilliant Amex, along with 3 points per dollar on the first $6,000 spent in combined purchases each year on grocery stores, gas stations and dining, and 2 points per dollar on all other purchases. But card holders only get complimentary Marriott Silver elite status instead of Marriott Gold.
You also won’t get any fancy annual credits with the Marriott Boundless card, but like the Marriott Brilliant Amex, you do get an annual Free Night Award starting with the second year you have the card. The difference is that with the Marriott Boundless card, your free night can only be used at any Marriott property worth up to 35,000 points instead of 50,000 points.
Meanwhile, the Marriott Bonvoy Bold® Credit Card is the most basic Marriott credit card available. It only earns 3 points per dollar at Marriott properties and 1 point per dollar on all other purchases, but it does come with complimentary Marriott Silver elite status and, best of all, no annual fee.
Also, keep in mind that Marriott Bonvoy is a transfer partner of both American Express Membership Rewards and Chase Ultimate Rewards. This opens the door to earning points with a card in either program, then transferring them to your Marriott account only when you need them, while having other options when a Marriott hotel isn’t on your radar.
This terrific flexibility is why we generally prefer credit cards that earn transferable points over hotel credit cards. However, Marriott is one of the few hotel programs that does allow you to transfer points to a large number of airline frequent flyer programs, although Marriott points generally transfer at a 3-to-1 ratio, so you may be better off earning rewards with a traditional flexible points credit card instead.
In any case, you’ll generally only find brand-specific elite benefits on a hotel chain’s own credit cards. But if you’re more interested in earning points than getting perks, you should consider a flexible earning card such as the Chase Sapphire Preferred® Card, the Chase Sapphire Reserve®, The Platinum Card® from American Express or the American Express® Gold Card.
Should you get the Marriott Brilliant Amex card?
There’s no question that $450 is a lot to invest in a hotel credit card each year. If you aren’t a Marriott loyalist or don’t expect to travel much during 2022, you’ll likely do better with a different credit card, or even a travel credit card that’s geared toward infrequent travelers or “free agents” when it comes to hotel stays.
But if you’re a frequent Marriott guest and want to be treated better than the average customer, the array of benefits you’ll get with the Marriott Bonvoy Brilliant American Express Card can help you get more out of each trip you take and enjoy your Marriott stays even more. So if you’re thinking about getting the card, make sure you grab it now while it features a great welcome offer, and stock up on some extra Marriott points.
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