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Marriott Bonvoy Brilliant American Express Card

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welcome offer

Earn 150,000 points after spending $5,000 within the first 3 months (terms apply). See rates and fees

Bonus Value

Approximately $750

Annual Fee

Card Rewards

6 points at participating Marriot Bonvoy hotels

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

2 points on all other eligible purchases

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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.

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 PriorityPass, 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.
  • Max cards: You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t 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
  • 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.

Welcome Offer Eligibility
You are not eligible to receive a welcome bonus if you received a welcome bonus in the past for the Marriot Bonvoy Brilliant card or for the Starwood Preferred Guest American Express Luxury Card. The welcome bonus is also not available if you received a bonus on any Chase Marriot card within the past 24 months (If you opened a Chase Marriott card but did not receive a bonus then the timeframe is 90 days).
Card Details And Benefits
Rewards

– 6 points at participating Marriot Bonvoy hotels
– 3 points at U.S. restaurants and on flights booked directly with airlines
– 2 points on all other eligible purchases

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 Marriot 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

Starting in 2023: 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)
Starting in 2023

How can the points be used?

The points can be redeemed for free nights at Marriott hotels and its brands at the approximate value of a half a penny per point.  Marriott Bonvoy brands include:
  • 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

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

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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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