Are you in the market for a new card and considering the Marriott Bonvoy Brilliant® American Express® Card? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to other cards on the market.
First, let's cover the basics. In reviewing the card, we rated it a 4.6 out of 5.0, which means that like many other cards, we found the Marriott Bonvoy Brilliant® American Express® Card to have some solid benefits and some possible drawbacks.
This card offers "next-level luxury," according to Amex, and comes with lots of perks and rewards for Marriott loyalists. Cardholders can easily cover the hefty annual fee through its benefits and rewards, so don't let that scare you off.
Next up, let's dive into the details you should consider before applying. Here's a rundown of the card's key features, rates, and terms:
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BEST OVERALL RATING
★★★★★
4.6
- Earn 95,000 Marriott Bonvoy Bonus Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership.
- Earn 6X Points on hotels for eligible purchases at participating Marriott Bonvoy hotels, 3X Points at U.S. restaurants and flights booked directly with airlines, and 2X Points for each dollar on everything else.
- Enjoy up to $25 a month in Dining statement credits each calendar year for eligible purchases made at restaurants worldwide.
- Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®
- Book direct using a special rate for a 2-night minimum stay at The Ritz-Carlton® or St. Regis® and get up to $100 in credit for qualifying charges.
- With Card Membership, you can enroll in Priority Pass™ Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying.
- $650 Annual Fee
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N/A
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N/A
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20.24% - 29.24% (Variable)
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$650
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Excellent
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There's certainly a lot to like about the Marriott Bonvoy Brilliant® American Express® Card. But just like with other cards we review, we stress that potential applicants should pay attention to this card's rates and fees as part of the bigger overall picture.
Let's dive deeper into those rates and fees, as they could make or break whether owning the card makes sense for you and your financial situation.
The interest rate, also known as APR (annual percentage rate), tells you what percentage of your balance you can expect to pay in interest annually if you carry a balance.
According to the issuer, the Marriott Bonvoy Brilliant® American Express® Card currently charges the following interest rates on purchases and balance transfers:
- Purchase Intro: N/A
- Balance Transfer Intro: N/A
- Regular APR: 20.24% - 29.24% (Variable)
Another possible expense to consider is the annual fee, which is the amount a cardholder is required to pay each year for the privilege of owning a particular card.
Here's the annual fee for the Marriott Bonvoy Brilliant® American Express® Card as listed by the issuer:
See site for details »
So far, we've covered the Marriott Bonvoy Brilliant® American Express® Card in great detail, from its many benefits to its current rates and fees. But what are your odds of approval? What credit score is needed to become a cardholder?
According to the issuer, the current general credit history requirement for the card is:
If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.
Keep in mind that rates and features may change, so if you like what the card is offering today, you may want to apply now to lock it in its current terms before it's too late.
We've discussed the many benefits, drawbacks, and requirements of the Marriott Bonvoy Brilliant® American Express® Card, but how does it rank versus similar cards on the market? Below are all the category-specific ratings our team gives the card, along with the card's ranking within each category.
Quick hint: Want to see our best-reviewed cards in each category? Simply click the category name to see our top picks:
All told, our team's review of the Marriott Bonvoy Brilliant® American Express® Card resulted in a rating of 4.6 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks. If you determine that it's a fit for your needs, you may want to apply soon, as terms throughout the industry change regularly.
We hope our guide has been helpful in learning all you need to know about the Marriott Bonvoy Brilliant® American Express® Card. We wish you the very best on your financial journey!
Be sure to visit the official website for Marriott Bonvoy Brilliant® American Express® Card to learn complete details about its features and terms. If you’re not quite sure if Marriott Bonvoy Brilliant® American Express® Card is right for you, we encourage you to check out these guides to popular alternatives:
Before applying for the Marriott Bonvoy Brilliant® American Express® Card offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.
Toby founded Digital Brands, the parent company of CardRates.com and its sister sites, and now serves as Chairman of the Board. He lends his 15 years of credit card industry experience to educate consumers on the responsible use of credit. His knowledge base spans credit card reward programs to credit repair, lending, and credit bureau reporting.
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