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  American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card

American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card

in Personal Credit Cards from American Express National Bank

Claimed

American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card

Claimed

in Personal Credit Cards from American Express National Bank

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 15.74% - 24.74%
Balance Transfer APR  (Variable APR) 17.24% - 26.24%
Credit Score Range 700 - 850
Annual Fee $450

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.

Key Takeaways
  • 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.
Pros & Cons of American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card
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.
American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card FAQ

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

Does American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 75000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.

Does American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card offer an annual loyalty bonus?

Yes, it offers cardholders an annual bonus worth up to $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.

Does American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

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 have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

How do people rate the customer service and user experience of American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card?

Overall, American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card is strongly recommended based on community reviews that rate customer service and user experience.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Our Editor

What we love about Marriot Bonvoy Brilliant Amex

The Marriot Bonvoy Brilliant Amex is a high-end luxury credit card that offers valuable perks and rewards at Marriot hotels. Cardholders get annual credits to use at Marriot properties, a free night at a Marriott hotel each year, and bonus points for every purchase they make at Marriot hotels, restaurants, and airlines.

Customers also automatically receive Gold Elite status with Marriot, which comes with free room upgrades, extra points for each stay, and other perks such as late checkout, making this card well worth its annual fee if you stay at Marriot hotels regularly.

What could Marriot Bonvoy Brilliant Amex do better?

As a premium credit card, the Marriot Bonvoy Brilliant Amex charges a hefty annual fee. Unless you can take full advantage of its perks, you’ll likely pay more in fees than you’ll get in return.

Another thing to consider is that the card is specifically designed for people who are loyal to the Marriot brand. If you travel frequently but stay in different brands of hotels, this card will only be useful when you happen to stay at a Marriot. A generic travel card is likely a better deal for people who don’t have strong brand loyalty.

Marriot Bonvoy Brilliant Amex’s backstory

American Express is a financial services company founded in 1850. Marriot International is a hotel business founded in 1927. The companies have partnered to offer branded travel credit cards that offer rewards and perks to cardholders.

The Verdict

If you’re a frequent traveler and loyal to the Marriot brand, the Marriot Bonvoy Brilliant Amex is a great choice of credit card. People who travel only once or twice per year, or who don’t tend to stay at a Marriot each time they travel will be better off with a less expensive card or one that offers more flexible perks and rewards.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn 6x Marriott Bonvoy points on eligible purchases at participating Marriott Bonvoy hotels. Earn 3x Marriott Bonvoy points at u.S. Restaurants and on flights booked directly with airlines. Earn 2x Marriott Bonvoy points on all other eligible purchases.
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $450
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Global Entry / TSA Precheck Fee Credit
  • Identity Theft Protection
  • Purchase Protection
  • Travel Assistance
  • Trip Cancellation Insurance
Annual Loyalty Bonus $300
No Blackout Dates
Rewards Categories
  • Restaurants
  • Hotels
  • Airfare
Signup Bonus (points) 75,000
Cash Advance APR (Variable APR) 25.24%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 29.24%
Purchase APR (Variable APR) 15.74% - 24.74%
Balance Transfer APR (Variable APR) 17.24% - 26.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Travel
Card Network American Express

American Express® National Bank Marriott Bonvoy Brilliant™ Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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