American Express
Marriott Bonvoy Brilliant Card
Marriott Bonvoy Brilliant Card costs $650 annual fee and earns up to 6× on travel booked direct. It also carries $100 of statement credits a year, which is where a lot of its real value sits. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Marriott Bonvoy Brilliant Card returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $650 annual fee
- Best earn rate
- 6× travel booked direct
- Points value
- 0.7¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- 185,000 points
- About $1,295 if you redeem at 0.7¢ a point, and only if you clear the spending requirement.
- Credits a year
- $100
- What the calculator counts, after discounts for perks most people do not use in full.
- Foreign transaction fee
- none
What the Marriott Bonvoy Brilliant Card earns
Hotels and rental cars through the issuer's travel site
6×
Only through the issuer's portal
Flights and hotels booked direct
6×
Dining
3×
Flights through the issuer's travel site
3×
Only through the issuer's portal
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 6× | Only through the issuer's portal |
| Flights and hotels booked direct | 6× | |
| Dining | 3× | |
| Flights through the issuer's travel site | 3× | Only through the issuer's portal |
Rates checked with the issuer in October 2026. Spending outside these categories earns 2×. Confirm current terms with the issuer before you apply.
Is the Marriott Bonvoy Brilliant Card right for you?
Enter a typical month. You will see what the Marriott Bonvoy Brilliant Card returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Marriott Bonvoy Boundless Card Top for your numbers
6× travel booked direct, 3× dining; 1× everything else. $95 annual fee.
Rewards $479 · Fee −$95
+$384
6× travel booked direct, 4× dining; 1× everything else. $250 annual fee.
Rewards $536 · Fee −$250
+$286
Marriott Bonvoy Bountiful Card
6× travel booked direct, 4× dining; 1× everything else. $250 annual fee.
Rewards $536 · Fee −$250
+$286
Marriott Bonvoy Brilliant Card
6× travel booked direct, 3× dining; 1× everything else. $650 annual fee.
Rewards $435 · Fee −$650
−$215
How we estimate
- Every rate on this page comes from the card catalog. Marriott Bonvoy Brilliant Card pays 2× on spending outside the bonus categories listed above, and up to 6× on travel booked direct.
- We value this card's points at 0.7¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
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Welcome bonus
185,000 points
About $1,295 if you redeem at 0.7¢ a point, and only if you clear the spending requirement.
Points and partners
Marriott Bonvoy Points
Transferable to airline and hotel partners.
Airlines
40+ airline partners via Marriott
Hotels
Marriott Bonvoy
Credits and perks
| Credit | Sticker value | Counted |
|---|---|---|
| Priority Pass lounge membership Counted at $100 because most people do not use the full $469. Priority Pass costs up to $469 a year on its own, but most people visit a few lounges a year and many already hold another card with it, so it counts as $100 and only once per wallet. | $469 | $100 |
Sticker value is the full face amount. Counted is what the calculator credits, which is lower where most people do not use the perk in full.
Where this data came from
Checked americanexpress.com 2026-10-05. $650 annual fee. 6x Marriott hotels, 3x restaurants worldwide and flights booked directly with airlines, 2x other. The 3x applies to flights booked direct with the airline, not to flights booked through a portal. New $100 Marriott Bonvoy Property Credit at Ritz-Carlton and St. Regis on a two-night minimum booked direct.
FAQ
The Marriott Bonvoy Brilliant Card charges $650 a year. Earning back $650 means about $1,935 a month on travel booked direct, where it earns 2.8¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest.
6× on travel booked direct, and 2× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $650 means about $1,935 a month on travel booked direct, where it earns 2.8¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. It also carries $100 of credits we can count, but only count them if you would spend that money anyway. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 185,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 0.7¢ a point that is about $1,295, before you count the annual fee and whether you would clear the spending requirement for it.
Yes. It earns Marriott Bonvoy Points, which you can transfer to the partners below. Airlines: 40+ airline partners via Marriott. Hotels: Marriott Bonvoy. Transfers are what make a 0.7¢ valuation reachable; using the points for cash back is worth far less.
No. The Marriott Bonvoy Brilliant Card charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.