Marriott Bonvoy Brilliant® American Express® Card
Basic Information
Program ID: marriott-bonvoy-brilliant
Issuer: American Express
Card Type: Credit
Network: American Express
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 07:44
Last Scraped: 01/15/2026 05:41
Fee Structure
| Annual Fee: | $695.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $395.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $95,000.00
Spending Requirement: $6,000.00
Time Period: 180 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Marriott Bonvoy Points
Base Reward Rate: 2.00%
Bonus Reward Rate: 6.00%
Bonus Categories: 6x Marriott Bonvoy Hotels, 3x U.S. Restaurants, 3x Flights booked directly with airlines
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire after 24 months of inactivity.
Transfer Partners: Numerous airline partners (e.g., United, Delta, American, British Airways, Emirates, Qatar, Southwest, Alaska, etc.) at a 3:1 ratio with a 5,000-mile bonus for every 60,000 points transferred.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $85.00
- Hotel Status: Marriott Bonvoy Platinum Elite
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: For 2026, American Express is projected to maintain its established application and bonus eligibility rules. Applicants are generally eligible for one welcome bonus per specific card product per lifetime. Furthermore, eligibility for the welcome offer on the Marriott Bonvoy Brilliant card is restricted if you have or have had this specific product or any other Marriott Bonvoy consumer credit card from American Express. American Express also enforces a '2/90 rule,' limiting applicants to a maximum of two credit card approvals within a 90-day period. All applicants must meet American Express's creditworthiness criteria and be a US resident.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, rapid application for multiple cards, high cumulative credit limit across Amex products, abuse of return/purchase protection policies, inconsistent spending patterns with declared income, opening and closing cards quickly (churning behavior).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.1 / 5.0
Top Positive Feedback:
Excellent travel benefits including free night award and lounge access, valuable Marriott Bonvoy points for frequent travelers, strong earning rates on Marriott stays and dining.
Top Negative Feedback:
High annual fee can be hard to justify for infrequent travelers, reliance on Marriott ecosystem, potential point devaluation concerns over time.
Approval Experience Score: 90.0 / 100
Recommended Alternatives
- The Platinum Card from American Express
- Hilton Honors American Express Aspire Card
- Chase Sapphire Reserve
Card Value Score: 88.0 / 100
Est. Annual Rewards: $1,200.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 150 months
Store vs Co-brand: 60% General / 40% Co-brand
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 90.0%
Terms Version Control
Version ID: 36000-10-0