American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card Review

This is a rewards credit card issued by American Express National Bank. If you're wondering whether American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• Generous reward rate. You will get a rewards rate of up to 6 points per dollar spent.
• Signup bonus. Offers a signup bonus of 75000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card has a variable purchase APR that ranges from 15.74% up to 24.74%.
• 3% Balance transfer fee. American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, Global Entry / TSA Precheck Fee Credit, identity theft protection, purchase protection, travel assistance, trip cancellation insurance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

The Good

The Bad

Receive 1 Free Night Award every year after your Card account anniversary Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card. Earn Marriott Bonvoy Platinum Elite status after making $75,000 in eligible purchases on your Card in a calendar year Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels Lower than average purchase APRs. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty on purchases. Global Entry / TSA Precheck Fee Credit. Identity Theft Protection. Travel assistance insurance Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on their purchases. American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card reports to multiple credit bureaus.

There is high annual fee of $450 to consider when applying for this card. This card is designed for person who travel often and required hotel to stay Requires good to excellent credit. Charges an annual fee of $450 You don't earn rewards on every purchase. Charges a 3% balance transfer fee.

Does American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card have a cash back or rewards program?

American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card is a travel rewards card.

American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card Rewards

Minimum rewards rate	1x
Max rewards rate	6x
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	75000
Signup Bonus Spend Requirement	$3000
Signup Bonus Spend Period (months)	3 months
Annual Loyalty Bonus	$300

What are the American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• No blackout dates when redeeming miles
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 15.74% up to 24.74%. The card has a variable balance transfer APR that ranges from 17.24% up to 26.24%. It also has a variable cash advance APR of 25.24% . Note that late payments are subject to an APR of 29.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card?

The following fees apply:

• There is no overlimit fee

American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card Fees

Fees	Amount
Annual Fee	$450
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

Does American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card report your account activity to credit bureaus?

Yes, American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card

• Visit the American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.