Marriott Bonvoy Brilliant® American Express® Card

American Express American Express Brilliant Pending

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23

Benefits

4

Reward Categories

6x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: marriott-bonvoy-brilliant

Issuer: American Express

Card Name: Marriott Bonvoy Brilliant® American Express® Card

Card Type: Credit

Network: American Express

Card Tier: Brilliant

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 07:44

Last Scraped: Jan 22, 2026 07:12

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Marriott Bonvoy Hotels 6x Points on eligible purchases at hotels participating in Marriott Bonvoy®. No Cap
U.S. Restaurants 3x Points at U.S. restaurants No Cap
Flights Booked Directly with Airlines 3x Points on flights booked directly with airlines No Cap
Everywhere Else 2x Points on all other eligible purchases. No Cap
Rewards Summary
PENDING

Reward Type: Marriott Bonvoy Points

Base Rate: 2x

Bonus Rate: 6x

Categories: 6x Marriott Bonvoy Hotels, 3x U.S. Restaurants, 3x Flights booked directly with airlines

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Points expire after 24 consecutive months of inactivity.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: Over 40 airline partners including Delta SkyMiles, United MileagePlus, American AAdvantage, British Airways Executive Club, Emirates Skywards, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club.

Redemption Penalties: None, but dynamic pricing may affect redemption value.

Benefits & Protections (Detailed) 23 Total
PENDING
Airport Lounge Access 1
Priority Pass™ Select Membership
Priority Pass™ Select Membership

Enroll to receive a complimentary Priority Pass™ Select membership, which gives you access to over 1,300 airport lounges worldwide. Enrollment required.

Annual Credit 1
Up to $300 Marriott Bonvoy Statement Credit
Up to $300 per calendar year

Receive up to $300 in statement credits each calendar year for eligible purchases at hotels participating in Marriott Bonvoy. This benefit is divided into monthly credits of up to $25.

Car Rental Insurance 1
Car Rental Loss and Damage Insurance
Secondary coverage

Secondary coverage for damage or theft of an eligible rental vehicle when you use your Card to reserve and pay for the entire rental and decline the collision damage waiver (CDW) at the rental car counter.

Hotel Benefits 2
Free Night Award
Free Night Award (up to 85,000 points)

Receive one Free Night Award every year after your Card account anniversary. The Award can be used for one night (redemption level up to 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. Certain hotels have resort fees.

Premium Internet Access
Complimentary Premium Internet

Enjoy complimentary premium in-room internet access at participating Marriott Bonvoy hotels.

Hotel Elite Status 3
Marriott Bonvoy Gold Elite Status
Gold Elite Status

Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card.

Marriott Bonvoy Platinum Elite Status (Spend Requirement)
Platinum Elite Status (after $75,000 spend)

Earn Marriott Bonvoy Platinum Elite status after you spend $75,000 on eligible purchases on your Card in a calendar year.

15 Elite Night Credits
15 Elite Night Credits

Each calendar year, you can receive 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status.

Payment Flexibility 1
Pay It Plan It®
Flexible payment options

Pay It® allows you to pay for small purchases right away. Plan It® allows you to create a payment plan for larger purchases with a fixed monthly fee and no interest.

Purchase Protection 3
Cell Phone Protection
Up to $800 per claim (2 claims/12 months)

When you pay your monthly cell phone bill with your eligible Card, you can get reimbursed for repair or replacement costs if your cell phone is stolen or damaged, up to $800 per claim, with a maximum of 2 claims per 12-month period. A $50 deductible applies per claim.

Purchase Protection
Up to $10,000 per occurrence

When an eligible item is stolen or accidentally damaged, you can be covered for up to 90 days from the date of purchase. Coverage is limited to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year.

Extended Warranty
Up to 1 additional year, max $10,000 per item

Can extend the original manufacturer's warranty for up to one additional year on eligible purchases. Coverage is limited to the actual amount charged to your Card for the item, up to a maximum of $10,000 per item.

Rewards Earning 4
Marriott Bonvoy Points Earning - Marriott Bonvoy Hotels
6X points per $1

Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.

Marriott Bonvoy Points Earning - Restaurants Worldwide
3X points per $1

Earn 3X Marriott Bonvoy points for each dollar of eligible purchases at restaurants worldwide.

Marriott Bonvoy Points Earning - Flights Booked Directly with Airlines
3X points per $1

Earn 3X Marriott Bonvoy points for each dollar of eligible purchases on flights booked directly with airlines.

Marriott Bonvoy Points Earning - Other Eligible Purchases
2X points per $1

Earn 2X Marriott Bonvoy points on all other eligible purchases.

Travel Assistance 1
Global Assist® Hotline
Emergency coordination and assistance

For medical, legal, financial or other select emergency coordination and assistance services when you're traveling more than 100 miles from home. Card Members are responsible for the costs charged by third-party service providers.

Travel Benefits 2
Global Entry or TSA PreCheck® Application Fee Credit
Up to $100 credit every 4 years

Receive a statement credit for the application fee for Global Entry ($100) or TSA PreCheck® ($85) every 4 years.

No Foreign Transaction Fees
0% foreign transaction fees

No foreign transaction fees when you use your Card on purchases abroad.

Travel Insurance 3
Baggage Insurance Plan
Up to $1,250 checked, $1,500 carry-on

Coverage for eligible lost, damaged, or stolen baggage when you purchase your entire fare for a Common Carrier ticket on your Eligible Card. Coverage can be up to $1,250 for checked baggage and up to $1,500 for carry-on baggage, per Eligible Person, per trip.

Trip Delay Insurance
Up to $500 per trip

If a covered trip is delayed for more than 6 hours, you may be covered for up to $500 per trip, for reasonable additional expenses incurred.

Trip Cancellation and Interruption Insurance
Up to $10,000 per trip

If a covered trip is canceled or interrupted for a covered reason, you may be reimbursed for non-refundable travel expenses, up to $10,000 per trip and $20,000 per eligible Card account per 12 consecutive month period.

Welcome Offer 1
Welcome Offer: Bonus Points
95,000 Marriott Bonvoy bonus points

Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $100

TSA PreCheck Credit: $85

Hotel Status: Marriott Bonvoy Platinum Elite

Sign-Up Bonus
PENDING

185,000

Points/Miles

Requirement: Spend $8,000 in 180 days

Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours

Fee Structure
PENDING
Annual Fee: $695.00
Year 1 Waived: No
Effective Annual Fee: $245.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
740 - 850
Excellent
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Applicants must be 18 years or older with a valid SSN/ITIN and meet American Express's creditworthiness criteria. A welcome bonus is limited to one per card product per lifetime. American Express enforces a maximum of 2 credit card applications per 90 days and typically limits approvals to 1 credit card per 5 days. Eligibility for the welcome bonus is also subject to Amex's internal review and may be denied if a pattern of gaming or abuse is detected.

Max Cards Per Issuer: 5

Min Spend Interval: 6 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit relative to income, rapid application and closure of cards (churning), abuse of welcome bonuses, suspicious spending patterns inconsistent with declared activity, failure to pay bills on time.

Cliff Effect Rules: American Express implements 'family rules' for co-branded cards. For Marriott Bonvoy cards, eligibility for a welcome bonus on a new Marriott Bonvoy card may be restricted if you have received a welcome bonus on another Marriott Bonvoy card (from American Express or sometimes Chase) within a specified timeframe (e.g., 24 months), or if you currently hold or have held certain other Marriott Bonvoy cards. This prevents earning multiple bonuses across related products too quickly.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.1 / 5.0

Top Positive:
Excellent for frequent Marriott travelers, offering valuable free night awards, elite status, and dining credits that effectively offset the annual fee. Strong earning rates on Marriott stays and useful travel perks like lounge access.

Top Negative:
High annual fee can be prohibitive if benefits aren't fully utilized. Requires loyalty to Marriott, and point value can fluctuate. Some find the dining credit restrictive to specific restaurants.

Approval Experience: 88.0 / 100

Recommended Alternatives
  • The Platinum Card from American Express
  • Hilton Honors Aspire Card from American Express
  • Chase Sapphire Reserve

Card Value Score: 82.0 / 100

Est. Annual Rewards: $750.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Jan 25, 2024 00:00