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American Express
Marriott Bonvoy Brilliant
AMERICAN
EXPRESS
🇺🇸 United States · American Express

Marriott Bonvoy Brilliant

Frequent Marriott guests — Platinum status from spend, free annual night.

4.5 / 5
Joining fee
$0
Annual fee
$650
Top reward
6%
Min income

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5-year value calculator

How much Marriott Bonvoy Brilliant actually pays you over time, net of annual fees.

$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$648
Annual fee$650
Welcome bonus (year 1 only)+$6,000
Cumulative net value
+$5,990
over 5 years
Year 1
$5,998
+$5,998/yr
Year 2
$5,996
$-2/yr
Year 3
$5,994
$-2/yr
Year 4
$5,992
$-2/yr
Year 5
$5,990
$-2/yr
Year 1 (with bonus)
$5,998
Year 2+ (steady state)
$-2/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

travel
6%
📈
dining
3%
📈
Everything else
2%
📈
🎁
Welcome bonus

95,000 Bonvoy points after $6,000 spend in 6 months

What you get

  • 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
  • Centurion + Priority Pass + Delta SkyClub

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min credit score
720+
Self-employed
Eligible