What credit score do I need for the Marriott Bonvoy Brilliant?

A good-to-excellent credit score is generally recommended.

Is the Marriott Bonvoy Brilliant's annual fee worth it?

It charges $650 a year; weigh that against its credits, perks and your rewards.

How do I calculate rewards on the Marriott Bonvoy Brilliant?

Use WalletFlo's reward calculator at /tools/rewards-calc/marriott-bonvoy-brilliant to model net value on your spending.

Marriott Bonvoy Brilliant Review — Rewards, Fees & Benefits (2026)

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Everything else

Dining

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 $465.70 in rewards plus $2,347.00 in credits and perks — $2,162.70 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.

CategoryRate

Everything elseMarriott
6×
DiningU.S. Restaurants
3×
Everything elseAirfare
3×
Everything elseAll Purchases
2×

Welcome offer

100,000 points

Spend $6,000 in 180 days
Est. value: $850 (WalletFlo catalog)

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 Ritz-Carlton 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

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.

Full Analysis Rewards Calculator

Flo calculator tools

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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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Rewards Calculator

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$2,163/yr

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Estimates for illustrative purposes. See methodology

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FAQ's

Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $650 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.