Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant® American Express® Card Review

This is a rewards credit card issued by American Express National Bank. If you're wondering whether Marriott Bonvoy Brilliant® American Express® Card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a rewards rate of up to 6 reward points per dollar spent.
• Earn 150,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Plus, with the $300 Dining Credit, get up to $25 per month in statement credits for eligible purchases at restaurants worldwide when you pay with your Marriott Bonvoy Brilliant® American Express® Card.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 27.74%.
• 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, identity theft protection, purchase protection, travel accident insurance, 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.

Pros & Cons of Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant® American Express® Card FAQ

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

Marriott Bonvoy Brilliant® American Express® Card is a travel rewards card.

What are the Marriott Bonvoy Brilliant® American Express® Card benefits?

It provides the following benefits:

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

What are the relevant APRs for Marriott Bonvoy Brilliant® American Express® Card?

Marriott Bonvoy Brilliant® American Express® Card has a variable purchase APR that ranges from 18.74% up to 27.74%. It also has a variable cash advance APR of 28.24% . Note that late payments are subject to an APR of 29.99% 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 Marriott Bonvoy Brilliant® American Express® Card?

The following fees apply:

• There is no overlimit fee

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

Yes, Marriott Bonvoy Brilliant® American Express® 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 Marriott Bonvoy Brilliant® American Express® Card

• Visit the Marriott Bonvoy Brilliant® American Express® 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.