Marriott Bonvoy Brilliant vs Wells Fargo Reflect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Marriott Bonvoy Brilliant wins 4-2. Frequent Marriott guests — Platinum status from spend, free annual night. Wells Fargo Reflect is still the right call if 21-month 0% intro apr — best balance-transfer card on the market..
Side-by-side
| Criterion | Marriott Bonvoy Brilliant | Wells Fargo Reflect |
|---|---|---|
| Annual fee | · $650 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 6% (travel) | · 1% (general) |
| Base reward rate | 2% | · 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 95,000 Bonvoy points after $6,000 spend in 6 months | = No welcome bonus — value is the long 0% APR |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 720 | 670 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
Marriott Bonvoy Brilliant
- 6x Marriott Bonvoy points at Marriott properties
- 3x at restaurants + flights direct
- 2x on everything else
- Marriott Bonvoy Platinum Elite status (with $25K spend)
- 85K-point Free Night Award annually
- $300 dining credit + $25 monthly Marriott credit
Wells Fargo Reflect
- 0% intro APR for 21 months on purchases + balance transfers
- 1% cashback on rotating bonuses (rare for Wells Fargo)
- Cell phone protection
- No annual fee
FAQ
›Marriott Bonvoy Brilliant vs Wells Fargo Reflect: which is better?
Marriott Bonvoy Brilliant wins on more dimensions (4 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Marriott Bonvoy Brilliant for its best categories, Wells Fargo Reflect for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Marriott Bonvoy Brilliant: 95,000 Bonvoy points after $6,000 spend in 6 months. Wells Fargo Reflect: No welcome bonus — value is the long 0% APR.