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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn 95,000 points after spending $6,000 within the first 6 months (terms apply). See rates and fees

Bonus Value

Approximately $475

Annual Fee

Card Rewards

6 points at participating Marriott Bonvoy hotels

3 points at U.S. restaurants and on flights booked directly with airlines

2 points on all other eligible purchases

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: December 1, 2023 | Credit Card Review
Card Overview

The Marriott Bonvoy Brilliant American Express Card will have you spending lots of time at Marriott hotels! You earn 6 Marriott Bonvoy points at those hotels, along with travel benefits such as complimentary Marriott Bonvoy Gold Elite status, Platinum Elite status, an annual free night certificate, and more. Travel benefits include lounge access with Priority Pass, Global Entry or TSA Precheck, lost luggage insurance, and more.

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • Amex 90-day rule: In a time span of 90 days, you can only get approved for 2 Amex cards. No Preset Spending Limit* cards¬†are not included in this rule and do not get counted.
  • Max cards: You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn‚Äôt always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)
  • Apply for two cards: If you apply for one Amex card and get approved, it is recommended to apply for a second card since Amex is very good about approving for two cards, even within the same day
  • Credit bureau: Amex will usually pull your Experian credit report. With the new "Apply With Confidence" feature, Amex will first do only a soft pull on your credit report and will let you know if approved or not. Only after you accept the approval will Amex do a hard pull on your credit (this feature is currently only available on Amex consumer cards. See more details below)
  • Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will not do a hard credit pull when applying for a new credit card at any time
  • Check application status: You can check your application status here or call 1 800 567 1083
  • Reconsideration: If declined you can call 1 800 567 1083 to be reconsidered
  • Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days

Approval Monitor (submitted by HelpMeBuildCredit users)

50% Approved
744 Avg. Score of those approved
50% Denied
Approved 50% (2)
Denied 50% (2)

Credit limit range $6,500-$50,000

Avg. Credit limit$28,250

Approved 50% (2)
Denied 50% (2)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO¬ģÔłŹ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Welcome Offer Eligibility
Current cardmember rule: If you currently have one of these Marriott cards you’re not eligible to receive a welcome bonus on the card_name until you close it and wait 30 days: 
  • Ritz Carlton card (Chase)
  • JP Morgan Ritz Carlton card (Chase)
90 day rule: You can't get the welcome bonus on the card_name if you were approved for any of the following cards within 90 days (even if you did not receive a bonus): 24 month rule: You‚Äôre not eligible to receive a welcome bonus on the card_name If you received a welcome bonus on one of the following cards within the past 24 months Lifetime rule: If you have ever received a bonus on the card_name or its previous version called SPG Luxury card you can never receive the bonus again.¬†   Key takeaways: To sum this all up. You cannot get a bonus on the card_name¬†if you have received a welcome bonus any other Chase Marriott bonus within the past 24 months or if you currently have a Ritz Carlton card. You also cannot have received a bonus in the past on the card_name or the former SPG Luxury version of the card.¬†
Card Details And Benefits
Foreign Transaction Fee

No foreign transaction fee.

Upgraded Status

New! Get complimentary upgraded to Platinum Elite status.

Upgraded! Plus, get 25 Elite night credits per calendar year to make it easier for you to reach higher Elite status.

Credits

New! Get a $25 credit monthly for purchases at restaurants worldwide.

Receive a $100 Marriott Bonvoy property credit after you book a 2-night stay at a Ritz Carlton or St. Regis hotel.

Free Night Certificate

Upgraded! Get a free 1-night hotel stay at a participating hotel after each card account anniversary year. Up to 85,000 points value. Plus, you have the option to top off the certificate by adding up to 15,000 Marriott points to book a stay for 100k points.

Global Entry and TSA pre-check

Get up to a $100 statement credit for Global Entry or TSA Pre-Check every 4-4.5 years.

Lounge Access

Access to 1,200+ airport lounges, with a complimentary membership to Priority Pass Select.

Trip Cancellation Insurance

Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $10,000 per person per trip, max $20,000 per year for non-refundable travel expenses including flight tickets, hotels, and more.

Auto Rental Collision Insurance

Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days. Max $75,000. You can purchase a premium plan from Amex that will offer primary coverage up to 42 days. Max $100,000.

Lost Luggage Reimbursement

Get covered for lost or damaged luggage up to $2,000 per person for checked baggage and up to $3,000 per person for checked and carry-on baggage combined. Max $10,000 per trip for NY residents.

Trip Delay Reimbursement

If your flight is delayed for 6+ hours, you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items. Up to 2 claims per year.

Return Protection

Not happy with a purchase? Get a refund on purchases that have passed the store return policy - up to 90 days from date of purchase. Max $300 per claim, max $1,000 per year.

Extended Warranty Protection

Get one additional year to your original manufacturer's warranty time. (Will only cover if the original warranty is for 5 years or less). Max $10,000 per claim, $50,000 per year.

Purchase Protection

Get refunded if your purchase is damaged, lost, or stolen, up to 90 days from the date of purchase. Max $10,000 per claim, $50,000 per year.

Anniversary Bonus Points

If you spend $60K annually on your card, you can select an earned choice benefit. You can choose one of the following:

A second 85K free night award

5 suite night upgrades,

$750 off a Marriott mattress or box spring (from Marriott Bonvoy Boutiques)

How can the points be used?

The points can be used at approximately half a penny per point to book free nights at one of the following Marriott hotel brands:

  • Edition
  • The Ritz Carlton
  • The Luxury Collection
  • Stregis
  • W Hotels
  • JW Marriott
  • Marriott
  • Sheraton
  • Marriott Vacation Club
  • Delta Hotels
  • Westin
  • Meridien
  • Renaissance Hotels
  • Autograph Collection Hotels
  • Tribute Portfolio
  • Design Hotel
  • Courtyard
  • Gaylord Hotels
  • Four Points
  • Springhill Suites
  • Fairfield
  • Protea Hotels
  • AC Hotels Marriott
  • Aloft Hotels
  • Moxy Hotels
  • Homes & Villas
  • Residence Inn
  • Towneplace Suites
  • Marriott Executive Apartments
  • Element
Transfer to airline programs:

You can transfer your points to any of the following Marriot Travel Partners.

Airline partners:

Transfer Ratio Transfer Time
Aegean Airlines, Miles+Bonus 3:1 /   If you transfer 60k points you get a bonus 5k points (60k:25k) 72 hours
Aer Lingus, Avios 3:1 /  If you transfer 60k points you get a bonus 5k points (60k:25k) 72 hours
Air Canada, Aeroplan 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) 4-5 days
Aero Mexico, ClubPremeir  3:1 /   If you transfer 60k points you get a bonus 5k points (60k:25k) 2 Р4 days
Air France/ KLM Flying Blue  3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) 24- 72 hours
Alaska Airlines, Mileage Plan  3:1 /  If you transfer 60k points you get a bonus 5k points (60k:25k) 48 hours
Air New Zealand, Airpoints  200:1 24 hours
ANA, Mileage Club 3:1 /  If you transfer 60k points you get a bonus 5k points (60k:25k) 4 Р7 days
Avianca, LifeMiles 3:1 24 hours
American Airlines, AAdvantage  3:1 48 hours
Asiana Airlines, Asiana Club 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 24 hours
British Airways, Avios 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 10- 72 hours
Cathay Pacific, Asai Miles  3:1  /  If you transfer 60k points you get a bonus5k points (60k:25k) 24 hours
Copa Airlines, Connect Miles  3:1 If you transfer 60k points you get a bonus5k points (60k:25k) 72 hours
Delta, SkyMiles 3:1 24 – 48 hours
Emirates, Skywards 3:1 /  If you transfer 60k points you get a bonus 5k points (60k:25k) 72 hours
Etihad Guest 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 72 hours
Fronteir Airlines, Miles 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 6 weeks
Hainan Airlines, Fortune Wings Club 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 24 hours
Hawaiian Airlines 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 24 hours
InterMiles  3:1 7 days
Iberia, Iberia Plus 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 24 hours
Japan Airlines 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 48 hours
Korean Air, SkyPass 3:1  24 hours
Latam Airlines, Latam Pass 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 24 hours
Qantas, Frequent Flyer 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 48 hours
Qatar Airways, Privilege Club   3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 3 Р4 days
Saudia Airlines 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 5 days
Singapore Airlines, KrisFlyer 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 48 hours
Southwest, Rapid Rewards 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 24 hours
THAI Airways 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 4 days
Turkish Airlines, Miles&Smiles 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 24 hours
United, Mileage Plus 3:1  /  If you transfer 60k points you get a bonus 10k points (60k:30k) 2 Р5 days
Virgin Atlantic, FlyingClub 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 24 Р48 hours
Virigin Australia Velocity  3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) 24 hours
Vueling Club 3:1  /  If you transfer 60k points you get a bonus 5k points (60k:25k) N/A

Additional Resources

*No Preset Spending Limit means the spending limit is flexible. [In fact,] unlike a traditional [credit] card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history

The new application experience is currently available for individuals applying for a U.S. Personal Card via HelpMeBuildCredit, at AmericanExpress.com/us/credit-cards, or by calling American Express, and is not available if you apply for a Card after you log into an existing Card Member Account.

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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