gold is much more versatile. most cards are worth it for 1 yr at least because of the SUB. but i wouldnt be putting all my spending on it. get the credits, use the 85k FNC to make it worthwhile and sock drawer it, is probably what at most people do. Answer from sunnyhillz on reddit.com
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Reddit
reddit.com › r/amex › is the bonvoy brilliant worth it for the less frequent traveler?
r/amex on Reddit: Is the Bonvoy Brilliant worth it for the less frequent traveler?
May 1, 2024 -

Hello, wanted to get your opinion. I'm not a super traveller but I do go places from time to time. I currently have the Amex Gold and I typically use my points on flights but I don't like the thought of getting an airline card as I like the flexibility of picking my flight.

As for hotel stays though, I do not care about the flexibility. I see the 185k deal ends today and curious on your thoughts if this card is worth it for the "less frequent traveler". I am a one-card guy so I would be demoting my gold to green and never using it. The $300 credit will get used easily so to me this is a $350 a year card. I don't have TSA Precheck/Global Entry so I will take advantage of that. My wife and I can spend 60k a year to get the free night aware and would treat that as a date night to the beach or a bigger city near us. The 25 night credits probably won't mean anything as I won't hit titanium or higher. The $100 property credit at the ritz or regis is a question mark for me as I am unsure whats eligible (I'm assuming it would be part of the date night package as its a 2 night stay minimum at one of those hotels).

To me, I lose out, on the freedom to use my points on anything but I gain the relief of not struggling to figure out where we are staying when travelling (airbnb vs hotel vs motel, etc...). The point structure doesn't seem horrible, its just that they can only be used at Marriott.

Would you consider this card only for the frequent traveller?

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Bogleheads.org
bogleheads.org › board index › us investors › personal finance (not investing)
American Express Marriott Bonvoy Brilliant card - Is it worth it? - Bogleheads.org
It's a value but in my eyes not exactly worth rack rate most of the time. For me the value in higher level Marriott status is the late checkout (2pm gold and 4pm platinum) which isn't always easy to get the property to let you use. You can combine with the $125 AMEX Mariott Bonvoy card and ...
Discussions

My thoughts on Amex Marriot Brilliant - myFICO® Forums - 6823410
Hey peeps thought I would give my two cents on the value of Amex's Marriot Brilliant card. So last year and some of this I had to go to the Phillipines for work for roughtly 100 days. Once I found out I looked into the hotel I was staying and it was the Clark Marriot in the Phillipines so some ... More on ficoforums.myfico.com
🌐 ficoforums.myfico.com
May 13, 2025
Is it worth getting the AMEX Marriott Bonvoy Brilliant card; currently Platinum Elite
$300 dining credit + free night awards up to 85k points. you know what kind of hotel you can book with 85k points? somethign that you easily cost you $400 a night if you pay out of pocket. come on...170k to open this card, this alone is worth it to me to get. More on reddit.com
🌐 r/marriott
43
27
September 23, 2023
Getting frustrated by the Brilliant Amex card
Well, the Platinum status does give you free breakfast at other properties that do not offer it. It is not just for the lounge access. If you want late check-out, for the most part I have gotten. If you want the chance of room upgrades. That all plays a part. Also, you get the $25 dining credit each month, which totals $300. So in essence, you are paying $350 for the Amex card and the Platinum status. You can decide if it is worth it with that. More on reddit.com
🌐 r/marriott
134
94
September 9, 2025
On the fence about the Brilliant Amex card
You should really be ready to go ALL IN on Marriott, and not just for work. It's the only way to make the $650 annual fee worth it to you. One night of work travel per week is going to result in ~52 nights a year. Add that to the 25 night credits you get from having the Brilliant card, and you're at 77, which just gets you Titanium status (75 nights/year required). Let's just assume that you get Titanium even if you don't do a full 52 nights of work travel, through some small vacations or whatever. Titanium status is often considered the first real worthwhile tier of status, because it's the first tier that you actually have to earn. Anyone who can open a Brilliant card can get Platinum, so there's a HUGE number of Platinum users competing for the same tier of benefits. As a Titanium, you'll trump them all, and there are significantly fewer Titaniums than Platinums because you can't instantly earn it. However, the experience with the average Marriott hotel in the US is extremely lackluster and the benefits don't confer you much. The breakfast often sucks (if it exists at all), lounges are just empty quiet spaces with some sodas, there are very few upgrades that exist and they're relatively meaningless, etc. At your average Fairfield, Springhill, Courtyard, etc. (the real road warrior hotels), the most you're going to get is some extra points and a late checkout. Where the Marriott points game really starts to shine is vacations, and especially vacations abroad (assuming you're in the US). This is why people play the points game, from both a points redemption perspective and benefits value perspective. At 52 paid nights a year at an average nightly cost of $150, with Platinum status (your first year) and the Brilliant card, you're looking at around ~170,000 points. Let's round it up to 200,000 to factor in your new card bonus and promotions. To put that amount of points into perspective, 200,000 points would get you 5 nights at an Aloft in Tokyo, or the JW Marriott in Cancun, or The Laguna Luxury Collection Resort in Bali, etc. At those properties you're going to enjoy free baller breakfasts, free lounge access throughout the day (often with enough food/drink to be considered a full meal experience, including alcohol), and because of your increased Titanium status, the likelihood of you getting upgraded will be very high. I just came back from a two-week trip to Japan and Bali, and I did a 5-night redemption at the Westin Tokyo for 320,000 points. I also used 5 Nightly Upgrade Awards to get upgraded into a 1 bedroom suite. This was a $5,000 redemption at the sticker price room rate, and the property was NICE. On par with a Ritz-Carlton or a St. Regis. Free buffet breakfast every day and 2-3 cocktails every night in the lounge. I also got upgraded at the St. Regis Bali and the Westin Tokyo without using NUAs, just as a result of my status. It would be hard to really make these points work as hard for you in the US, because the properties, benefits, and service just tend to be a lot more lackluster, while at the same time the costs of the stays (both in points and dollars) are a lot higher. More on reddit.com
🌐 r/marriott
26
12
April 30, 2025
People also ask

How do the elite night credits work on the Marriott Bonvoy Brilliant card?
With the Marriott Bonvoy Brilliant card, you receive 25 elite night credits each year. These elite night credits are not free hotel nights but credits toward elite status. For example, you must normally stay 75 nights at Marriott properties each year to earn Titanium Elite status. With the Marriott Bonvoy Brilliant card, you only need to stay 50 additional nights to earn Titanium-level status.
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upgradedpoints.com
upgradedpoints.com › home › credit cards › reviews › marriott bonvoy brilliant card
22 Benefits of the Marriott Bonvoy Brilliant Card [$4,600+ Value]
Does the Marriott Bonvoy Brilliant card have cell phone protection?
Yes. The Marriott Bonvoy Brilliant card has cell phone protection that provides up to $800 should your phone be stolen or damaged. You must pay your monthly cell phone bill with your card, and there is a limit of 2 claims every 2 months. Each claim has a $50 deductible.
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upgradedpoints.com
upgradedpoints.com › home › credit cards › reviews › marriott bonvoy brilliant card
22 Benefits of the Marriott Bonvoy Brilliant Card [$4,600+ Value]
When do I receive the 85,000-point free night award on the Marriott Brilliant card?
The 85,000-point free night award is issued 8 to 12 weeks after your first card renewal and every renewal after that.
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upgradedpoints.com
upgradedpoints.com › home › credit cards › reviews › marriott bonvoy brilliant card
22 Benefits of the Marriott Bonvoy Brilliant Card [$4,600+ Value]
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The Points Guy
thepointsguy.com › credit-cards › is-marriott-bonvoy-brilliant-amex-worth-annual-fee
Is the Marriott Bonvoy Brilliant Amex worth the annual fee? - The Points Guy
September 25, 2025 - The Bonvoy Brilliant also comes with up to $100 in property credits when you book the “Luxury Credit Card Rate” for at least two nights at a participating St. Regis or Ritz-Carlton hotel. This credit can be used at the hotel on spa services, dining and non third party hotel recreational activities. Related: Earn bonus Marriott points on your Uber rides and food delivery orders · While it might not be the best card for everyday spending, there’s plenty of value in the Marriott Bonvoy Brilliant if you frequently stay at Marriott properties and place value in the elite perks the card offers.
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DansDeals
dansdeals.com › home › travel › miles & points › will you pay your taxes with a credit card with the lowest...
Will You Pay Your Taxes With A Credit Card With The Lowest Fees Ever? - DansDeals.com
5 days ago - The Marriott Bonvoy Brilliant Consumer AMEX offers a 2nd 85K award night for spending $60K in a calendar year. The discontinued Ritz-Carlton card offers Platinum status for spending $75K in a calendar year. You’ll need to determine how to value having Platinum status to see if its worth putting tax payments on this card.
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Marriott
marriott.com › credit-cards › marriott-bonvoy-brilliant-american-express-card.mi
Marriott Bonvoy American Express Brilliant Card
Marriott Bonvoy American Express Brilliant Card
Earn points, free nights, and elite status at over 8,000 hotels with the Marriott Bonvoy American Express Brilliant Card. Get 6x Points at Marriott Properties, 3x Points at U.S. Restaurants, 2x on Purchases & More.
Price   $450.00
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Miles to Memories
milestomemories.com › home › what’s this card worth? assessing bonvoy brilliant amex value
What's This Card Worth? Assessing Bonvoy Brilliant Amex Value
April 4, 2024 - As we’ve held most all Amex products, we heavily consider the availability of no lifetime language card offers. If it’s a relatively quiet NLL world, we’re more likely to hold onto at least one Brilliant for the foreseeable future. How do you value the benefits of the Marriott Bonvoy Brilliant Amex in your situation?
Find elsewhere
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One Mile at a Time
onemileatatime.com › home › is the marriott bonvoy brilliant card worth it? how i make the math work
Is The Marriott Bonvoy Brilliant Card Worth It? How I Make The Math Work - One Mile at a Time
September 26, 2025 - The Marriott Bonvoy Brilliant® American Express® Card (review) is the most premium credit card in the Marriott co-brand card portfolio. The card has a hefty annual fee that might make some people hesitant to apply, but the perks add up. In this post, I want to share why I think this card is worth picking up, as the benefits justify the annual fee, in my opinion.
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AskSebby
asksebby.com › articles › bonvoy-brilliant
AskSebby - Marriott Bonvoy Brilliant American Express Card Review
If it is valued lower, then this card and Bonvoy points are probably a pass. But, this could also mean that the dining credits and certificate can cover the $650 annual fee. $650 Annual fee - $300 dining credit - $350 for certificate = $0 effective annual fee · Considering this, you're essentially getting a heavily subsidized annual fee. The Marriott Bonvoy Brilliant American Express Card is a keeper card due to the free night award and automatic Platinum Elite status.
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American Express
americanexpress.com › us › credit-cards › card › marriott-bonvoy-brilliant
Marriott Bonvoy Brilliant® American Express® Card
Earn 6X Marriott Bonvoy points at Hotels participating in Marriott Bonvoy® and 3X points at Restaurants Worldwide. Enjoy luxury stays and travel perks. Terms Apply.
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Upgraded Points
upgradedpoints.com › home › credit cards › reviews › marriott bonvoy brilliant card
22 Benefits of the Marriott Bonvoy Brilliant Card [$4,600+ Value]
1 week ago - Marriott Bonvoy® Platinum Elite ... on stays, and more. If you frequently stay at Marriott properties, the room upgrades and complimentary breakfast alone can be worth hundreds of dollars a year....
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WalletHub
wallethub.com › d › marriott-bonvoy-american-express-card-3204c
2025 Marriott Bonvoy Brilliant Reviews
Marriott Bonvoy Brilliant® American Express® Card
The Marriott Bonvoy Brilliant® American Express® Card is a good hotel rewards credit card for frequent Marriott guests who like to travel in luxury. Despite its $650 annual fee, big-spenders with good or excellent credit can easily get their money’s worth from the card’s generous rewards ... Reviews, rates, fees, and rewards details for The Marriott Bonvoy Brilliant® American Express® Card. Compare to other cards and apply online in seconds
Rating: 3.9 ​
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LendingTree
lendingtree.com › credit-cards › review › marriott-bonvoy-brilliant-american-express
Marriott Bonvoy Brilliant Review: Premium Value | LendingTree
3 weeks ago - Due to its high annual fee of $650, ... the Marriott brand. Instead, this card is well worth it for frequent Marriott guests who want to enhance their overall travel experience at Marriott hotels — and at the airport when they ...
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Credit Karma
creditkarma.com › credit cards › insights › marriott bonvoy brilliant® american express® card review: a feature-rich hotel rewards card
Marriott Bonvoy Brilliant American Express Card Review: A Feature-Rich Hotel Rewards Card | Intuit Credit Karma
Marriott Bonvoy Brilliant® American Express® Card review: A feature-rich hotel rewards card
Or you could transfer your points to one of Marriott’s dozens of airline partners — but at a three-to-one points ratio, which means your points would be worth less. The Marriott Bonvoy Brilliant® American Express® Card is great for frequent travelers who like to get the royal treatment ...
Rating: 3.6/4 ​
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NerdWallet
nerdwallet.com › back to nerdwallet homepage › travel › 9 ways to maximize the marriott bonvoy brilliant amex
9 Ways to Maximize Marriott Bonvoy Brilliant - NerdWallet
1 month ago - The Marriott Bonvoy Brilliant® American Express® Card offers solid perks, like Priority Pass lounge access (enrollment required) and a statement credit on eligible restaurant spending.
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The Points Guy
thepointsguy.com › credit-cards › marriott-bonvoy-boundless-credit-card-vs-bonvoy-brilliant-amex
Marriott Bonvoy Boundless vs. Marriott Bonvoy Brilliant - The Points Guy
November 6, 2025 - Winner: Bonvoy Brilliant. The Brilliant has far more benefits that easily offset its steep annual fee, and its free night award is much more valuable. Related: Marriott elite status: What it is and how to earn it
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Daily Drop
dailydrop.com › home | daily drop › best credit cards › marriott bonvoy brilliant® american express® card review
Marriott Bonvoy Brilliant® American Express® Card Review 2025
Marriott Bonvoy Brilliant® American Express® Card
Combine that with the annual Free Night Award (worth up to 85,000 points) and you’re already checking off a large portion of the card’s annual fee. If you ever find yourself at high-end brands like St. Regis or Ritz-Carlton, this card gives you access to premium perks that other Marriott do not provide. ‍ ... If you’re already using a premium travel card for flights and airport benefits, the Bonvoy Brilliant might replace or complement it ... Our in-depth review of the Marriott Bonvoy Brilliant® American Express® Card discusses its benefits, rewards, potential drawbacks and more.
Rating: 4.7 ​
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NerdWallet
nerdwallet.com › back to nerdwallet homepage › travel › is the marriott bonvoy brilliant amex worth the $650 annual fee?
Is the Marriott Bonvoy Brilliant AmEx Worth the $650 Annual Fee? - NerdWallet
August 28, 2025 - But certain types of travelers, especially Marriott loyalists, can actually get more value than the annual fee from the card each year. The $300 annual dining credit brings the annual fee down to $350.
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The MT Galleries
themtgalleries.com › post › marriott-bonvoy-brilliant-amex-review-the-ultimate-credit-card-for-marriott-luxury-travelers
Marriott Bonvoy Brilliant Amex Review: The Ultimate Credit Card for Marriott Luxury Travelers
August 7, 2025 - If you’re looking for the perfect Hotel branded credit card to add to your wallet, then the Marriott Bonvoy Brilliant American Express Card is a no brainer. Whether you are a Marriott Bonvoy loyalist or just looking to get tons of Marriott perks, this Marriott Amex credit card is in a league of its own.
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myFICO
ficoforums.myfico.com › t5 › Credit-Cards › My-thoughts-on-Amex-Marriot-Brilliant › td-p › 6823410
My thoughts on Amex Marriot Brilliant - myFICO® Forums - 6823410
May 13, 2025 - I too just got the AMEX Brilliant card within the past month. It's good to know the card packs a lot of value so I'm definitely looking forward to see how far it would take. I'm a hardcore Marriott and Hilton loyalist so this card was a no-brainer without considering the points earning power.
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Reddit
reddit.com › r/marriott › is it worth getting the amex marriott bonvoy brilliant card; currently platinum elite
r/marriott on Reddit: Is it worth getting the AMEX Marriott Bonvoy Brilliant card; currently Platinum Elite
September 23, 2023 -

9/23/23 update:

Thanks everyone for the comments! I did went ahead and applied for the card. Was suprised it was denied immediately but when I looked at the reason, it said it was due to a security lock or freeze that I had on my Experian CR (forgot all about that). Duh!

Once I had temporarily unlocked my Experian CR, I called AMEX and they were able to check my CR and the account was approved immediately.

-------

I just checked into the Newport News Marriott and to my surprise, I actually got upgraded to a suite :), which doesn't happen very often for me. But thank you, Marriott.

Currently, I'm at Platinum Elite with just 32 nights this year (lifetime Silver Elite) and have 3 more upcoming stays (about 7 nights total) by the year end. I saw that AMEX currently has Marriott Bonvoy Brilliant® American Express® Card with 170,000 bonus points (after $6K spend) and was debating whether if it's worth to go for it. While I doubt I'll have $6K spend between now and year end to reap the 170K bonus points, to me, the benefits of this card that would appeal to me would be:

- Platinum Elite status (breakfast/lounge, 4 pm checkout, enhanced internet); the 4 pm checkout is the most beneficial perk to me in all my years of being in the program, especially when traveling with family/kids.

- The 25 elite night credits

- Priority Pass (currently have United Explorer card which comes with two UC passes)

The $650 fee is steep and I don't now if I'll have 50 nights of Marriott stays year after year, as it varies (for work and personal travel) but if the $650 buys me 25 nights to start, I think that helps me get to 50 nights quicker.

Looking at my history, I have:

Lifetime Nights

Total Nights:327

Lifetime Statistics

Years as Silver Elite:6

Years as Gold Elite:6

Years as Platinum Elite:5

So, if I were to apply to for this card this week and get approved, I assume the 25 nights will automatically add to my existing 32 nights, which will get me to 57 and that's before the 3 more upcoming stays. This will push me into maintaining my Platinum Elite and come 2024, I assume the 25 free nights will be deposited around the anniversary of when I applied/receive (assuming October)?

RE: $300/year dining statement credit, does that basically mean you get a $25 credit if you have $25 or more in dining charged to the card? If so, that is easily achievable.

RE: Priority Pass Select lounge access; I travel (mostly on United) maybe 2-3 flights per year so I think the Priority Pass would be nice to have, especially if I already use up the two free United Club passes that I get from my United Explorer card.

Thanks!