American Express · Personal
Marriott Bonvoy Brilliant
A $650-a-year card earning Marriott Bonvoy: 6× on Hotels (Portal), 2× on everything else.
- Annual fee
- $650Charged every year
- Signup bonus
- 150,000 ≈ $1,090 in travel (our estimate)*
- Top rate
- 6×Hotels (Portal)
- Point value
- 0.73¢ In travel · 0.73¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 150,000 points | $1,090 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$650 | −$650 |
| NetYear one includes the bonus · at your inputs · our estimates* | $440 | −$650 |
Bonus terms: Earn up to 150,000 Marriott Bonvoy Bonus Points: 100,000 bonus points after you spend $6,000 in purchases within the first 6 months of Card Membership, and an additional 50,000 bonus points after you make an additional $2,000 in purchases within the first 6 months of Card Membership.
Earning structure
5 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Hotels (Portal) | 6× | $4.36 | |
| Airfare | 3× | $2.18 | |
Airfare (Portal) NotesPortal not required | 3× | $2.18 | |
| Dining | 3× | $2.18 | |
| All Other | 2× | $1.45 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $650
- Card type
- Personal
- Network
- American Express
- Bank
- American Express
- Point system
- Marriott Bonvoy
- Travel value (our estimate)*
- 0.73¢ per point
- Cash value (our estimate)*
- 0.73¢ per point
- Foreign transaction fee
- None
- Transfer partners
- Yes
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules4
- Amex 1/10
Amex allows only one bonus per specific card per lifetime. However, when a "No Lifetime Language" offer is available, it means you can receive the sign-up bonus even if you've held that card previously and already earned its bonus. These offers are rare and are usually targeted to specific individuals/businesses, either through email, physical mail, or direct application links.
- Amex 3/90
You'll be declined if you apply for a fourth Amex card in 90 days.
- Bonvoy 1/24
You're allowed only 1 personal and 1 business Bonvoy Card at the same time, and only 1 bonus in the last 24 months.
- No 5/24
Card approval not subject to 5-personal-cards-in-24-months rule
Transfer partners21
- AeroMexico Rewards 3:1
- Aeroplan 3:1
- American Airlines Miles 3:1
- Asia Miles 3:1
- Atmos Rewards 3:1
- Avios 3:1
- Emirates Skywards 3:1
- Etihad Guest Miles 3:1
- Flying Blue 3:1
- Flying Club 3:1
- Infinity MileageLands 1:1
- JAL Mileage Bank 3:1
- KrisFlyer 3:1
- LifeMiles 3:1
- Miles & Smiles 3:1
- Qantas Frequent Flyer 3:1
- Rapid Rewards 3:1
- Royal Orchid Plus 3:1
- SkyMiles 3:1
- TAP Miles&Go 3:1
- United MileagePlus 3:1
Ratio is Marriott Bonvoy points to partner miles or points.
Benefits9 · 6 high value
- Airport Express Credits High valueFee Credit for Global Entry or TSA Precheck®
- Anniversary Bonuses High valueFree Night Award + 1 more anniversary bonuses benefit
- Credits & Discounts High value$100 Marriott Bonvoy® Property Credit + 1 more credits & discounts benefit
- Instant Perks & Status High valuePlatinum Elite Status
- Lounge Access High valuePriority Pass™ Select
- Car Rental Insurance SECONDARY Car Rental Loss and Damage Insurance
- Earn Perks & Status Earned Choice Award
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Marriott Bonvoy Brilliant |  Marriott Bonvoy Bevy |  Marriott Bonvoy Bountiful |  American Express Platinum | |
|---|---|---|---|---|
| Annual fee | $650 | $250−$400 | $250−$400 | $895+$245 |
| Signup bonus | 150,000 pts | 135,000 pts | 85,000 pts | 175,000 pts |
| Top rate | 6×Hotels (Portal) | 6×Hotels (Portal) | 6×Hotels (Portal) | 5×Hotels (Portal), Airfare |
| Travel value * | 0.73¢Marriott Bonvoy | 0.73¢Marriott Bonvoy | 0.73¢Marriott Bonvoy | 1.9¢Membership Rewards |
| Why it’s here | This card | Same issuer and the same Marriott Bonvoy points | Same Marriott Bonvoy points | Same issuer, at a $895 annual fee |
Marriott Bonvoy Bevy
$250 fee (−$400) · 6× top135,000 pts bonusSame issuer and the same Marriott Bonvoy points
Marriott Bonvoy Bountiful
$250 fee (−$400) · 6× top85,000 pts bonusSame Marriott Bonvoy points
American Express Platinum
$895 fee (+$245) · 5× top175,000 pts bonusSame issuer, at a $895 annual fee
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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