Last Updated: 05/14/2026
Marriott Bonvoy Brilliant® American Express® Card
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Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
19.99% - 28.99%(Verified 09/19/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 05/21/2025)
Credit Score Range
N/A
Annual Fee
$650
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Marriott Bonvoy Brilliant® American Express® Card Review
This is a travel 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. Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
- Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.99% up to 28.99%.
- 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 access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
Pros & Cons of Marriott Bonvoy Brilliant® American Express®
| The Good | The Bad |
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Marriott Bonvoy Brilliant® American Express® FAQ
Does Marriott Bonvoy Brilliant® American Express® have a cash back or rewards program?
Marriott Bonvoy Brilliant® American Express® is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Airfare | 3 x points (Earn 3X Marriott Bonvoy® points on flights booked directly with airlines) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 6 x points (Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy. Earn up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 3 x points (Earn 3X Marriott Bonvoy® points at restaurants worldwide) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Marriott Bonvoy Brilliant® American Express® have a signup bonus?
Yes. Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Does Marriott Bonvoy Brilliant® American Express® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Marriott Bonvoy Brilliant® American Express® benefits?
Marriott Bonvoy Brilliant® American Express® Card provides the following benefits:
- 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®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Marriott Bonvoy Brilliant® American Express® Card has a variable purchase APR that ranges from 19.99% up to 28.99%. Marriott Bonvoy Brilliant® American Express® Card does not offer balance transfers. It also has a variable cash advance APR of 29.24% .
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.Does Marriott Bonvoy Brilliant® American Express® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Marriott Bonvoy Brilliant® American Express® Card does not offer balance transfers.Does Marriott Bonvoy Brilliant® American Express® 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 Marriott Bonvoy Brilliant® American Express®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $650 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $650*$650 .
Does Marriott Bonvoy Brilliant® American Express® 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.What is the customer service phone number for Marriott Bonvoy Brilliant® American Express®?
The customer service number for Marriott Bonvoy Brilliant® American Express® is (800) 528-4800.
What is the support contact email for Marriott Bonvoy Brilliant® American Express®?
The support contact email for Marriott Bonvoy Brilliant® American Express® is info@americanexpress.com.
How do people rate the customer service and user experience of Marriott Bonvoy Brilliant® American Express®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Marriott Bonvoy Brilliant® American Express® Card report your account activity to credit bureaus?
Yes, Marriott Bonvoy Brilliant® American Express® Card reports to the following credit bureaus:
- 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 build your credit.
Does American Express® National Bank perform a hard credit pull?
Yes, Marriott Bonvoy Brilliant® American Express® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Marriott Bonvoy Brilliant® American Express®
- Visit the website of Marriott Bonvoy Brilliant® American Express®.
- 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.
Marriott Bonvoy Brilliant® American Express® Card Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. All information about Marriott Bonvoy Brilliant® American Express® Card has been collected independently by SuperMoney. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
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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.
Hours of Operation
Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM
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Other Credit Cards from American Express® National Bank
Purchase APR
18.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0 - $150
Disclaimer popup with additional information
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$325
Disclaimer popup with additional information
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$895
Purchase APR
21.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
21.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$150
Rating not yet determined
Purchase APR
20.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$550
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$150
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
18.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$5K
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Marriott Bonvoy Brilliant® American Express® Card Community Reviews
Would you recommend Marriott Bonvoy Brilliant® American Express® Card to your friends?
U
Anonymous
Feb 21, 2019
May or may not recommend
100k point signup bonus is a great signup offer and the card has some great perks.
Showing 1 of 1 reviews
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