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Compare the Features and Benefits of Chase Sapphire Reserve® and
Marriott Bonvoy Brilliant® American Express® Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Earns Transferable Points
Airport Lounge Access
Global Entry / TSA PreCheck Reimbursement
Annual Statement Credits
Return Protection
Extended Warranty
Purchase Protection
Trip Protections
No Foreign Transaction Fees
Travel and Emergency Assistance Services
Metal Card
Primary Car Rental CDW Waiver
Roadside Assistance
Concierge Services
Free Access to Credit Score
Grants Hotel Status
Free Annual Hotel Night
Secondary Car Rental CDW Waiver
No Fees for Authorized Users
Amex Offers
Annual Fee
$550
Avg. Min. Credit Score
800-850 *
Ongoing APR
22.49%-29.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
10x Car Rentals

Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.

10x Hotels

Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.

10x Lyft
5x Airfare

Only applies to bookings made via Chase Travel℠. Otherwise earn 3X points per dollar.

3x Transit
3x Dining Out / Food Delivery
3x Cruises
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.45) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Chase Sapphire Reserve credit card is the one that, in a sense, started it all. While rewards cards have been around for decades, The Chase Sapphire Reserve quickly became a must-have upon its launch in 2016. With a huge bonus offer, the Priority Pass airport lounge access, the easy to use $300 travel credits, and 3X Chase Ultimate Rewards points per dollar spent on all dining and travel made it an easy sell.

Today, it remains one of the strongest travel credit cards on the market, even if other cards like the newer Capital One Venture X and The Platinum Card® from American Express both get solid market share.

The beauty of the Chase Sapphire Reserve lies in its simplicity.

The $300 annual travel credit works itself off without you even noticing, since travel purchases are automatically applied. With the Venture X, for instance, you also get a $300 annual travel credit but can only use it in the Capital One portal.

Then the Chase Sapphire Reserve is just plain “easy” when it comes to earning, knowing that just about every possible travel or dining purchase (including eligible delivery services) will earn 3X Chase Ultimate Rewards points.

And to that end, with a MilesTalk value of 1.75 cents per point when used via transfer partners like World of Hyatt or for First and Business Class airfare via its many airline partners, you know you’ll get value for those points you earn. In fact, your travel and dining purchases (earning 3X points) have a minimum return on spend value of 4.5% (if you redeem through Chase Travel at 1.5 cents each or an average redemption yield of around 5.25% (3X * 1.75) when you use the Ultimate Rewards airline and hotel partners.

travel-chase-sapphire-reserve

The card is also full of the most important benefits, namely the Priority Pass select membership for airport lounge access for you and 2 guests, including Priority Pass experiences (but not airport restaurants) as well as primary collision/damage coverage on car rentals and trip delay coverage that kicks in after just a 6 hour delay as well as lost luggage insurance. And then there are the somewhat smaller but still valuable perks like your Global Entry fee reimbursement and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards® and Chase dining purchases.

And of course, there’s that huge bonus when you spend $4,000 on purchases in your first 3 months from account opening….

So yes, it does have a high annual fee, but after the $300 travel credit, it’s effectively just $250 which the card gives you back via it’s earn rate, redemption rate (1.5 cents per point at Chase Travel) and rich benefits.

Read more
Unique Card Benefits
yes
Earns Transferable Points
yes
Airport Lounge Access
yes
Global Entry / TSA PreCheck Reimbursement
yes
Annual Statement Credits
yes
Return Protection
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Travel and Emergency Assistance Services
yes
Metal Card
yes
Primary Car Rental CDW Waiver
yes
Roadside Assistance
yes
Concierge Services
yes
Free Access to Credit Score
yes
Grants Hotel Status
no
Free Annual Hotel Night
no
Secondary Car Rental CDW Waiver
no
No Fees for Authorized Users
no
Amex Offers
no
Annual Fee
$650 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
6x Hotels

6X points only applies to Marriott Bonvoy hotels and resorts booked directly through Marriott. Otherwise, earn 2X

3x Airfare
3x Dining Out / Food Delivery
2x Everything Else
Avg. Point Value
(Learn More)
$0.006
Bonus Offer
Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Terms apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.7) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Marriott Bonvoy program offers five different co-branded credit card options, from both American Express and Chase. If we start from the top, there’s the Marriott Bonvoy Brilliant American Express Card, with a considerable $650 annual fee. But the luxury hotel card comes with a substantial number of perks that make sense for the ultra-Marriott loyalist.

For starters, the card offers complimentary Platinum elite status, which typically requires 50+ nights at Marriott hotels per year. At this elite tier level, you’ll enjoy 50% bonus points at Marriott hotels (on top of the card’s earning rate), room upgrades up to select suites upon availability at most brands, and a welcome gift like amenities, points, or even breakfast. Enjoy a guaranteed late checkout of 4pm at most properties (resorts and convention centers are excluded). You’ll also get 25 annual elite night credits which can help you qualify for that next tier of Marriott status — Titanium or Ambassador Elite, anyone?

Even more interesting is that if you also have the Marriott Bonvoy Business® Card, you’ll earn 15 more elite nights on that card for a total of 40 elite night credits. With Titanium status, which also confers United Airlines Silver elite status, available at 75 nights, you’ll need to stay just 35 nights to achieve it.

As you can expect, this card is quite rewarding for hotels participating in Marriott Bonvoy, offering 6x points at Bonvoy properties. The card’s rewards rate is easy to memorize as it also provides 3x points at restaurants worldwide and 2x points on all other eligible purchases, but unfortunately it falls flat compared to other luxury cards on the market with those rates, given that we peg the value of a Bonvoy point around 0.6 cents each.

Still, if you’re a heavy spender, the Marriott Bonvoy Brilliant card offers another unique benefit. Once you spend $60,000+ on the card per calendar year, you’ll get access to the Earned Choice Award Benefit. From here, there are some incredibly valuable options like 5 Suite Night Awards, an additional free night award (worth up to 85,000 points), or a $1,000 off a bed from Marriott Bonvoy Boutiques. Perhaps the most lucrative awards are the former two options, as the suite night awards and free night certificate can be of excellent use at some of Marriott’s most bespoke properties.

Even if you don’t anticipate $60,000+ of card spend per year, don’t fret. You’ll still get a free night award just by renewing the card and paying the annual fee on your account anniversary. This free night award will land in your account after the card renewal month, and is worth up to 85,000 Marriott Bonvoy points. You can “top off” with up to 15,000 more points from your account if you want to book a night that costs between 85,000 and 100,000 points.

As mentioned above, we estimate Marriott Bonvoy points to be worth about 0.6 cents each so with the 85,000 point certificate, you’re expected to receive at least a $510 value (or more!) for a property of your choice. Use your free night awards wisely, and you can land free nights at some of the most luxurious properties in Marriott’s expansive portfolio.

Not to mention, the card also comes with an up to $300 dining credit, which is distributed in up to $25 monthly credits. You’ll get a reimbursement for restaurants worldwide, so there’s no reason why you shouldn’t be getting this $300 rebate on your favorite eateries. (Terms apply.)

Bonvoy Brilliant Dining Credit

Finally, the Bonvoy Brilliant card comes with a Global Entry/TSA PreCheck application credit (terms apply), up to a $100 Marriott property credit for eligible stays (terms apply), and a swathe of essential travel and purchase protections to boot.

Simply put, if you have a Marriott Bonvoy member account and want top-notch perks when staying at Marriott properties, look no further than the Marriott Bonvoy Brilliant American Express Card.

Rates and Fees for the Marriott Bonvoy Brilliant American Express Card

Read more
Unique Card Benefits
yes
Earns Transferable Points
yes
Airport Lounge Access
yes
Global Entry / TSA PreCheck Reimbursement
yes
Annual Statement Credits
yes
Return Protection
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Travel and Emergency Assistance Services
yes
Metal Card
yes
Primary Car Rental CDW Waiver
no
Roadside Assistance
no
Concierge Services
no
Free Access to Credit Score
no
Grants Hotel Status
yes
Free Annual Hotel Night
yes
Secondary Car Rental CDW Waiver
yes
No Fees for Authorized Users
yes
Amex Offers
yes

Learn more about these cards today

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