Marriott Bonvoy Brilliant® American Express® Card
80,000 miles after you spend $3,000 in 3 months. $650 a year.
- Welcome offer
- Issuer's pageamericanexpress.com
“Here’s how: Earn 80,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.”
- Annual fee
- Cardmember agreementFiled with the CFPB · PDF
“Annual Fee $650”
- Purchase APR, variable
- Cardmember agreementFiled with the CFPB · PDF
“(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transaction fee
- Cardmember agreementFiled with the CFPB · PDF
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| 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.
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
| Annual fee | Cardmember agreementFiled with the CFPB · PDF “Annual Fee $650” |
|---|---|
| Purchase APR | Cardmember agreementFiled with the CFPB · PDF “(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Cash advance APR | Cardmember agreementFiled with the CFPB · PDF “APR for Cash Advances Prime Rate + 21.99%”
|
| Cash advance fee | Cardmember agreementFiled with the CFPB · PDF “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Cardmember agreementFiled with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Cardmember agreementFiled with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Cardmember agreementFiled with the CFPB · PDF The source states this figure; we have no exact sentence on file yet. |
| Grace period | Issuer's pageamericanexpress.com “25 Elite Night Credits” |
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
- The American Express GoldAmerican Express · $325 a year+$630 a year
- Bilt PalladiumBilt · $495 a year+$545 a year
- Business GoldAmerican Express · $325 a year+$435 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).