Marriott Bonvoy Brilliant American Express® Card Review

Marriott Bonvoy Brilliant American Express® Card 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. This is everything you need to know to make a good choice.

Key takeaways:

• Generous reward rate. You will get a a rewards rate of 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.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.24% up to 26.24%.
• 3% Balance transfer fee. Marriott Bonvoy Brilliant American Express® Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
• $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you 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, purchase protection, travel assistance, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

Marriott Bonvoy Brilliant American Express® Card Pros and Cons:

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 Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty on purchases. Global Entry / TSA Precheck Fee Credit. Travel assistance insurance No foreign transaction fee. Cardholders can earn rewards on their purchases. Marriott Bonvoy Brilliant American Express® Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.

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 Higher than average purchase APRs. 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.

Is there a Marriott Bonvoy Brilliant American Express® Card cash back or rewards program?

Marriott Bonvoy Brilliant American Express® Card offers a rewards program to its customers.

Marriott Bonvoy Brilliant American Express® Card Rewards

Rewards rate (all purchases)	1%
Max rewards rate	6%
Annual rewards limit	N/A
Signup Bonus ($)	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 Marriott Bonvoy Brilliant American Express® Card benefits?

Marriott Bonvoy Brilliant American Express® Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• ID Theft Protection
• Reports to major credit bureaus

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

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Marriott Bonvoy Brilliant American Express® Card has higher than average purchase APRs.

Marriott Bonvoy Brilliant American Express® Card has a variable purchase APR that ranges from 17.24% up to 26.24%. 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 26.74% . 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 Marriott Bonvoy Brilliant American Express® Card fees?

The following fees apply to Marriott Bonvoy Brilliant American Express® Card:

• There is no overlimit fee

Marriott Bonvoy Brilliant American Express® Card Fees

Fees	Amount
Annual Fee	$450
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

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

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.