Amex
Marriott Bonvoy Brilliant
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Card review
Marriott Bonvoy Brilliant
Amex
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$650
Welcome bonus
See issuer
Est. net value
$2,172/yr
Credit score
Varies
Top earn rate
6x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Marriott Bonvoy Brilliant from Amex carries a $650 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $475.32 in rewards plus $2,347.00 in credits and perks — $2,172.32 net per year before welcome bonuses.
How the points work
6X at Marriott hotels
3X at U.S. restaurants
3X on flights booked directly with airlines
2X on everything else
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseMarriott | 6× |
| DiningU.S. Restaurants | 3× |
| Everything elseAirfare | 3× |
| Everything elseAll Purchases | 2× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Dining$300/yr
Receive a $25 monthly credit for restaurants worldwide.
- Property$100/yr
$100 credit to be used on incidental purchases when booking a minimum two night stay at RitzCarlton or St. Regis properties.
- Global Entry$100/yr
Get one $100 statement credit for Global Entry or one $78 statement credit for TSA Pre-Check every 4 years.
Benefits & perks
- Free Night$500/yr
Free night to be used at Marriott properties with redemption levels of 85,000 points or less.
- Elite Night Credits$150/yr
Each calendar year you can receive 25 Elite Night Credits towards the next level of Marriott Bonvoy Elite status.
- Priority Pass $32/yr
Get lounge access for you and up to two guests for free. (No restaurant credits.)
- Premium Internet Access$15/yr
Receive free in-room, premium Internet access.
- Marriott Platinum$150/yr
Get Marriott Platinum status. Includes 50% Bonus on points complimentary room upgrades, welcome gift, guaranteed lounge access, 4pm late check-out, annual choice benefit, guaranteed room type, and more.
- ShopRunner
Free membership to ShopRunner. Free two-day shipping, free return shipping, special deals and discounts at select retailers.
- Amex Concert Benefits
Access to presales for advance ticket purchases and special preferred seating through Ticketmaster.
- Auto Purchasing Program
Find TrueCar certified dealerships that allow you to purchase vehicles with your card and get special discounts and other perks.
- Amex Offers
Promotions and discounts offered exclusively to card holders.
- Amex Travel
Online travel portal that allows you to book various forms of travel including: flights, hotels, rental cars, cruises, and vacation packages.
- Choice Benefit$500/yr
After spending $60,000 or more, you will be eligible to receive on of the following: - Five Suite Night Awards - $750 off a Bed from Marriott Bonvoy Boutiques - Free Night Award with a redemption value up to 85K points
- Choice Benefit (Earned)$500/yr
Earned one of the following: - Five Suite Night Awards - $750 off a Bed from Marriott Bonvoy Boutiques - Free Night Award with a redemption value up to 85K points
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$650
- Stated credits
- +$500
- Perks (est.)
- +$1,847
- Net after credits & perks
- $1,697
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $650 per year.