6X points only applies to Marriott Bonvoy hotels and resorts booked directly through Marriott. Otherwise, earn 2X
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.
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.)
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
Through March 2025
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
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.
The Chase Freedom Rise® is specifically aimed at those people who haven’t yet established credit, whether they are young or new to the country.
What’s great about this card is that unlike most “starter” credit cards, this credit card actually earns cash back and a handsome 1.5% cash back at that – all with no annual fee and it’s not a secured credit card, meaning you are being given credit the same as anyone else and you’ll be able to build your credit score by using the card and making on time payments. The cash back is awarded as Chase Ultimate Rewards points, but they are not transferable points – only cash back.
There are no intro 0% APR offers on this card so it’s best for someone that will be able to pay their bills on time and, ideally, in full.