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American ExpressChecked Oct 4, 2026

Marriott Bonvoy Brilliant® American Express® Card

80,000 miles after you spend $3,000 in 3 months. $650 a year.

Welcome offer
Annual fee
Purchase APR, variable
Foreign transaction fee

We don't earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender−$125−$525
Typical spender$70−$330
Heavy spender$465$65
The spending each assumes, a month
  • Light spender: groceries $300, dining $100, gas $100, everything else $500
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: points valued at an assumed 0.5¢.

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

How it compares

  • Lower top APR than about 25% of the 577 cards we track.

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Welcome offer

80,000 miles

After you spend $3,000 on purchases in your first 3 months.

An additional 20,000 bonus miles are offered after the first anniversary of Card Membership.

Spending it takes$1,000 a monthfor 3 months
Tracking sinceOct 4, 2026history will chart every change

How you earn · Marriott Bonvoy

  • 6× pointsEligible purchases charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores
  • 3× pointsAirfare on a scheduled flight charged directly with passenger airlines
  • 3× pointsPurchases charged at restaurants worldwide
  • 2× pointsEverything else

Rates and fees

Rates and fees for the Marriott Bonvoy Brilliant® American Express® Card, each with its source
Annual fee
Purchase APRPrime + 12.74% to Prime + 21.74%
Cash advance APRPrime + 21.99%
Cash advance fee
Penalty APRPrime + 26.74%
Late payment
Returned payment
Foreign transactions
Grace period

Carrying a balance? See how long it takes to pay off at 28.74% APR

Benefits

  • Brilliant Dining Credit: $300 annual
  • Brilliant Dining Credit monthly limit: $25 monthly
  • Marriott Bonvoy property credit: $100 other
  • Global Entry fee credit: $120 every 4 years
  • TSA PreCheck fee credit: $85 every 4 years
  • Either a $120 Global Entry statement credit or up to an $85 TSA PreCheck statement credit for a five-year plan; only one credit is given in a four-year period for whichever application fee is charged first.
  • Complimentary Marriott Bonvoy Platinum Elite status
  • 25 Marriott Bonvoy Elite Night Credits each calendar year
  • Platinum Elite members may receive room upgrades, including enhanced views or suites, when available at check-in when booked with a Qualifying Rate
  • Up to 5X points from Marriott Bonvoy on eligible hotel purchases through the 50% Bonus Points on Stays benefit
  • One Free Night Award every year after the Card renewal month, usable for one night at a participating Marriott Bonvoy hotel at a redemption level at or under 85,000 Marriott Bonvoy points
  • After $60,000 in eligible purchases in a calendar year, eligibility to select one Brilliant Earned Choice Award benefit
  • Up to a $100 Marriott Bonvoy property credit at The Ritz-Carlton or St. Regis for qualifying charges under the stated booking requirements
  • No foreign transaction fees
  • Free in-room premium Internet access; booking requirements apply
  • Premium Global Assist Hotline with 24/7 medical, legal, financial, and other select emergency coordination while traveling more than 100 miles from home
  • 10% back on qualifying concessions purchases at participating American Express Venue Collection locations, up to $250 per calendar year, after enrollment
  • Access to Amex Presale Tickets and Amex Reserved Tickets for select events
  • Amex Offers for extra rewards on qualifying purchases at select brands
  • Rental car
  • Baggage: Up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage; $3,000 aggregate limit per covered trip. For New York State residents, $2,000 per bag or suitcase per covered person and $10,000 aggregate for all covered persons per covered trip
  • Trip cancellation: Up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period
  • Trip delay: Up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period
  • Return protection: Up to $300 per item and up to $1,000 per calendar year per Card account
  • Purchase protection: Up to $10,000 per covered purchase and up to $50,000 per calendar year
  • Extended warranty: Up to one extra year
  • Cell phone: Up to $800 per claim, with a limit of 2 approved claims per 12-month period
  • Emergency assistance

Questions

What is the annual fee?
$650 Filed with the CFPB · PDF, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. Filed with the CFPB · PDF, since Sep 29, 2026
What is the purchase APR?
19.74–28.74% APR Filed with the CFPB · PDF, since Sep 29, 2026
Is there a welcome bonus?
80,000 miles after $3,000 in purchases in 3 months. americanexpress.com, since Oct 1, 2026

Other points cards with fees over $300

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).