Marriott Bonvoy Brilliant® American Express® Card

• Earn Marriott Bonvoy Points (6X / 3X / 2X earning) + 25% Elite bonus on stays

  Earning

  Earn 6X Marriott Bonvoy points per $1 on eligible purchases at hotels participating in Marriott Bonvoy; 3X at restaurants worldwide and on flights booked directly with airlines; 2X on all other eligible purchases. Plus, earn up to 21X total Marriott Bonvoy points at Marriott properties (6X card + up to 10X Bonvoy member base + 5X Platinum Elite 50% Bonus on Stays).

  Terms & eligibility

  Purchases must be eligible (excludes returns, cash advances, balance transfers, fees, interest charges). Marriott direct bookings only for the 6X rate. Restaurants worldwide qualify for the 3X rate. Flights booked directly with airlines only for the 3X flight rate (OTA flight bookings may not earn 3X). Card Member must use the Brilliant Card.

  Government source · Aug 24, 2026

  Up to

  $30

  Continuous — points accrue per eligible purchase

• $300 Brilliant Dining Credit

  Credit

  Up to $300 per calendar year (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant Card at restaurants worldwide

  Terms & eligibility

  Card Member must use the Marriott Bonvoy Brilliant Card for the restaurant purchase. Purchases must post to the Card statement within the qualifying month to receive the credit. Some merchants that sell food and beverages (e.g., grocery stores, convenience stores, breweries, bars) may not be classified as restaurants by their payment processor and may not earn the credit.

  Government source · Aug 24, 2026

  Up to

  $300

  Monthly (twelve months per calendar year; Jan-Dec)

• Complimentary Marriott Bonvoy Platinum Elite Status

  Access

  Complimentary Marriott Bonvoy Platinum Elite status for the primary Card Member while the Card is open and not in default — includes 50% Bonus Points on Stays, room upgrades (including enhanced views or suites) when available upon check-in at participating Marriott Bonvoy hotels when booked with a Qualifying Rate

  Terms & eligibility

  Available to the Basic Card Member on the Card Account. Room upgrades require booking with a Qualifying Rate (certain rates such as wholesale, tour, or some third-party bookings may not be Qualifying Rates). Upgrades are space-available at check-in.

  Government source · Aug 24, 2026

  Included

• Marriott Bonvoy Brilliant Free Night Award (up to 85,000 Marriott Bonvoy points)

  Access

  Receive 1 Free Night Award every year after the Card renewal month — Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. Certain hotels have resort fees.

  Terms & eligibility

  Available only to the Basic Card Member on the Card Account. Card must be renewed (annual fee paid) for the Award to issue. Award is automatically deposited within 8-12 weeks after the Card renewal month. Standard room redemption only; certain hotels and dates may be blacked out. Certain hotels have resort fees (responsibility of the Card Member). The Free Night Award may not be combined with cash when redeeming for the free night. Free Night Award redemption is subject to availability. Participating hotels may limit the number of standard rooms available for redemption on a limited number of days.

  Government source · Aug 24, 2026

  Included

• Brilliant Earned Choice Award (after $60K spend)

  Access

  Each calendar year after spending $60,000 on eligible purchases on the Marriott Bonvoy Brilliant Card, the Card Member becomes eligible to select a Brilliant Earned Choice Award benefit. Limit one Brilliant Earned Choice Award per calendar year. Award options at https://www.choice-benefit.marriott.com/brilliant

  Terms & eligibility

  Card Member must spend $60,000 on eligible purchases on the Brilliant Card in a calendar year. Only one Brilliant Earned Choice Award per calendar year. Card account must be open and not in default.

  Government source · Aug 24, 2026

  Est. value

  ~$200

  Per calendar year (after $60K spend threshold met)

• $100 Marriott Bonvoy Property Credit at The Ritz-Carlton or St. Regis

  Credit

  Up to a $100 property credit for qualifying charges at The Ritz-Carlton or St. Regis when the Card Member books direct using a special rate for a 2-night minimum stay using the Brilliant Card

  Terms & eligibility

  Must book DIRECT using a special rate for a 2-night minimum stay using the Brilliant Card. Only The Ritz-Carlton and St. Regis properties qualify (not all Marriott brands). Card Member must use the Brilliant Card for the booking payment.

  Government source · Aug 24, 2026

  Up to

  $100

  Per qualifying stay (2-night minimum)

• 25 Elite Night Credits per calendar year

  Access

  Each calendar year, receive 25 Elite Night Credits towards the next level of Marriott Bonvoy Elite status with the Marriott Bonvoy Brilliant Card

  Terms & eligibility

  Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express (other Marriott Bonvoy-issued cards may also provide Elite Night Credits).

  Government source · Aug 24, 2026

  Included

• Priority Pass™ lounge access (enrollment required) — UNLIMITED visits to over 1,300 lounges

  Access

  Enroll in Priority Pass™ with the Marriott Bonvoy Brilliant Card — unlimited number of visits to over 1,300 airport lounges in over 130 countries, regardless of carrier or class of service

  Terms & eligibility

  Card Member must enroll in Priority Pass via Amex account using the Brilliant Card. Once enrolled, unlimited visits to over 1,300 airport lounges in over 130 countries. CONTRADICTION: The Amex landing page FAQ at https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant explicitly states 'The Marriott Bonvoy Brilliant® American Express® Card does not currently have lounge access benefits. For lounge access benefits, explore the Platinum Card® or the Delta SkyMiles® Reserve American Express Card.' This CONTRADICTS the Priority Pass listing on the same landing page (in the All Benefits list) AND on the canonical benefits page (global.americanexpress.com/card-benefits/view-all/marriott-bonvoy-brilliant) which both describe Priority Pass with 'unlimited number of visits to over 1,300 airport lounges.' This internal Amex page inconsistency is UNRESOLVED — the canonical benefits page (the dedicated Marriott Brilliant benefits page) lists Priority Pass as a current benefit, so I'm marking this VERIFIED_OFFICIAL with confidence=medium and noting the contradiction in audit_notes.

  Government source · Aug 24, 2026

  Est. value

  ~$40

  Continuous while Card is open and Priority Pass enrollment is active

• Fee Credit for Global Entry or TSA PreCheck®

  Credit

  Receive either a $120 statement credit for a Global Entry application fee OR a statement credit up to $85 for a TSA PreCheck application fee (through a TSA PreCheck official enrollment provider) every 4 years, when charged to the Brilliant Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.

  Terms & eligibility

  Card Member must use the Brilliant Card to pay the Global Entry or TSA PreCheck application fee. Application fee must be charged through a TSA official enrollment provider. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost. Only one credit in a 4-year period per Card account.

  Government source · Aug 24, 2026

  Up to

  $120

  Once every 4 years (per Card account) — only one credit given in a 4-year period for whichever application fee is charged to the Card first

• No Foreign Transaction Fees

  Access

  No foreign transaction fees on purchases made abroad with the Marriott Bonvoy Brilliant Card

  Terms & eligibility

  Card must be used for the international purchase; standard Visa/Mastercard FX conversion still applies (Amex doesn't add a surcharge on top)

  Government source · Aug 24, 2026

  Est. value

  ~$50

  Continuous — no FX fees on any international purchase

• Premium Internet Access at participating Marriott Bonvoy properties

  Access

  Receive free in-room premium Internet access at participating Marriott Bonvoy properties

  Terms & eligibility

  Booking requirements apply (must be booked direct per Marriott Bonvoy terms). Available at participating Marriott Bonvoy properties only.

  Government source · Aug 24, 2026

  Est. value

  ~$15

  Per qualifying stay at participating Marriott Bonvoy properties

• Transfer Marriott Bonvoy Points to Airline Program (40+ partners)

  Access

  Transfer Marriott Bonvoy points to over 40 airline frequent flyer programs, mostly at a ratio of three Marriott Bonvoy points to one airline mile

  Terms & eligibility

  Card Member must have an active Marriott Bonvoy account linked to the Brilliant Card. Receiving airline frequent flyer account required. Mostly 3:1 ratio (3 Bonvoy points = 1 airline mile); certain programs have different ratios. Some programs offer a 5,000-mile bonus for every 60,000 points transferred.

  Government source · Aug 24, 2026

  Included

• Trip Cancellation and Interruption Insurance

  Protection

  Up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period — covers non-refundable trip expenses purchased with the same Eligible Card if a covered reason cancels or interrupts a round trip

  Terms & eligibility

  Round trip must be purchased entirely with the Brilliant Card. Coverage subject to covered reasons listed in the description of coverage. Coverage provided by New Hampshire Insurance Company (an AIG Company).

  Government source · Aug 24, 2026

  Included

• Trip Delay Insurance

  Protection

  Up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period — covers certain additional expenses if a round-trip (paid entirely with the Brilliant Card) is delayed by more than 6 hours due to a covered reason

  Terms & eligibility

  Round trip must be purchased entirely with the Brilliant Card. Delay must exceed 6 hours and be caused by a covered reason. Coverage provided by New Hampshire Insurance Company (an AIG Company).

  Government source · Aug 24, 2026

  Up to

  $1,000

  Per covered trip (round trip entirely paid with the Brilliant Card)

• Baggage Insurance Plan

  Protection

  Coverage for lost, damaged, or stolen baggage when purchasing the Entire Fare for a Common Carrier Vehicle ticket (plane, train, ship, or bus) on the Brilliant Card — up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. Aggregate limit of $3,000 per Covered Trip. New York State residents: $2,000 per bag/suitcase limit, $10,000 aggregate maximum for all Covered Persons per Covered Trip.

  Terms & eligibility

  Entire Fare must be charged to the Brilliant Card. Coverage in excess of coverage provided by the Common Carrier. New York State residents have different limits ($2,000 per bag/suitcase, $10,000 aggregate per Covered Trip).

  Government source · Aug 24, 2026

  Up to

  $3,000

  Per covered trip (Common Carrier Vehicle ticket paid with the Brilliant Card)

• Car Rental Loss and Damage Insurance

  Protection

  Secondary coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when the Card Member uses the Brilliant Card to reserve and pay for the Entire Rental and declines the rental company's collision damage waiver (CDW)

  Terms & eligibility

  Must reserve AND pay for the Entire Rental with the Brilliant Card. Must decline the rental company's CDW. Coverage not available for vehicles rented in Australia, Italy, and New Zealand. Not all vehicle types or rentals are covered (e.g., exotic cars, cargo vans). Provides SECONDARY coverage (does not include liability coverage).

  Government source · Aug 24, 2026

  Included

• Premium Global Assist Hotline

  Access

  24/7 medical, legal, financial, and other select emergency coordination and assistance services while traveling more than 100 miles from home

  Terms & eligibility

  Card Member must be traveling more than 100 miles from home. Service is for coordination and referrals (medical, legal, financial); Card Members may be responsible for third-party service provider costs. Emergency medical transportation assistance provided at no cost only if approved and coordinated by the Hotline. Can direct to medical/legal professionals, help with prescription replacement coordination, emergency hotel check-ins and cash wires, missing luggage.

  Government source · Aug 24, 2026

  Est. value

  ~$1

  Continuous while traveling >100 miles from home

• Premium Car Rental Protection (enrollment required)

  Protection

  Primary coverage for Theft of or Damage to a rental vehicle and excess medical coverage if injured in an accident, when enrolled in Premium Car Rental Protection and the enrolled Card is used to pay for rental charges

  Terms & eligibility

  Card Member must enroll in Premium Car Rental Protection AND use the enrolled Card to pay for rental charges. Not all vehicle types or rentals are covered (exotic cars, cargo vans, etc. excluded). Does not include liability coverage.

  Government source · Aug 24, 2026

  Up to

  $20

  Per covered rental (after enrollment)

• Return Protection

  Protection

  May refund the full purchase price (excluding shipping and handling) up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, for eligible purchases that the seller won't take back within 90 days of purchase

  Terms & eligibility

  Purchases must be made entirely with the Brilliant Card in the U.S. or its territories. American Express may refund the full purchase price excluding shipping and handling. Item must be in working condition; certain categories excluded.

  Government source · Aug 24, 2026

  Up to

  $1,000

  Per eligible returned purchase (within 90 days of purchase)

• Purchase Protection

  Protection

  Coverage for stolen, accidentally damaged, or lost Covered Purchases for up to 90 days from the Covered Purchase date — up to $10,000 per Covered Purchase, up to $50,000 per calendar year

  Terms & eligibility

  Purchase must be made with the Brilliant Card. Please read important exclusions and restrictions.

  Government source · Aug 24, 2026

  Included

• Extended Warranty

  Protection

  Up to one extra year added to the Original Manufacturer's Warranty on Covered Purchases made with the Brilliant Card (applies to warranties of 5 years or less, on purchases in the United States or its territories or possessions)

  Terms & eligibility

  Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.

  Government source · Aug 24, 2026

  Included

• Cell Phone Protection

  Protection

  Reimbursement up to $800 per claim (with $50 deductible) for damage or theft of a cell phone, max 2 approved claims per 12-month period, when the cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by the Eligible Card Account

  Terms & eligibility

  Cell phone line must be listed on a wireless bill and the prior month's wireless bill must be paid by the Eligible Card Account. $50 deductible per claim. Up to 2 approved claims per 12-month period. Coverage provided by New Hampshire Insurance Company (an AIG Company).

  Government source · Aug 24, 2026

  Up to

  $1,500

  Per claim (max 2 claims per rolling 12-month period)

• American Express Venue Collection (10% back on concessions up to $250/yr)

  Credit

  10% back on qualifying concessions purchases at select stadiums and arenas in the American Express Venue Collection, up to $250 per calendar year (enrollment required; limit one enrolled Card per eligible Card Member)

  Terms & eligibility

  Card Member must enroll the Card in the Venue Collection benefit. Limit one enrolled Card per eligible Card Member. Benefit available at select stadiums/arenas only.

  Government source · Aug 24, 2026

  Up to

  $250

  Per qualifying concessions purchase (annual cap of $250)

• Amex Special Ticket Access (Amex Presale + Reserved Tickets)

  Access

  Access to purchase Amex Presale Tickets and Amex Reserved Tickets to select events across sports, music, and more; while supplies last, not all seats may be offered

  Terms & eligibility

  Card Member must use the Brilliant Card to purchase tickets via Amex Presale/Reserved access. While supplies last, not all seats may be offered.

  Government source · Aug 24, 2026

  Included

• Instant Card Number

  Access

  If application is approved and Card Member is eligible, can begin using the Card number online and through digital wallet (Apple Pay, Google Pay, Samsung Pay, PayPal, Amazon Pay) immediately upon approval

  Terms & eligibility

  Application must be approved and Card Member must be eligible for instant digital Card number; certain high-risk applications may not be eligible

  Government source · Aug 24, 2026

  Included

Downgrade paths

Product changes usually keep your account age and credit line. Retained-value figures are estimates — confirm specifics with the issuer.

• Move to Marriott Bonvoy Bevy American Express® Card

  $250/yr

  Community-reported · not guaranteedRetained value not quantified

  Available to current Marriott Bonvoy Brilliant Card Members via product change. Amex product changes are restricted to within the same card family (Marriott Bonvoy Amex family). The Bevy is the natural mid-tier downgrade path within the Marriott Bonvoy Amex family. Account must be open and in good standing; product change request initiated via phone (number on back of Card) or Amex chat. Per standard Amex product change policy, no hard credit check for downgrade within the same family. UNCONFIRMED at issuer-source level — the live Amex Marriott Brilliant landing/benefits pages do not document the official product change policy or the Bevy card; downgrade path inferred from the Marriott Bonvoy Amex card family structure (the Bevy is the known mid-tier Marriott Bonvoy Amex card per community reports).

  Government source · Aug 24, 2026

• Move to Marriott Bonvoy American Express® Card (entry-level, ~$95 AF)

  $95/yr

  Community-reported · not guaranteedRetained value not quantified

  Available to current Marriott Bonvoy Brilliant Card Members via product change. Amex product changes are restricted to within the same card family (Marriott Bonvoy Amex family). The entry-level Marriott Bonvoy Amex Card is the entry-level downgrade path within the Marriott Bonvoy Amex family. Account must be open and in good standing; product change request initiated via phone (number on back of Card) or Amex chat. Per standard Amex product change policy, no hard credit check for downgrade within the same family. UNCONFIRMED at issuer-source level — the live Amex Marriott Brilliant landing/benefits pages do not document the official product change policy or the entry-level Marriott Bonvoy Amex card; downgrade path inferred from the Marriott Bonvoy Amex card family structure.

  Government source · Aug 24, 2026

Offers vary by account and eligibility. Reported outcomes are not guaranteed. Community data shown here is an illustrative sample — never rely on it as a promise of what you'll be offered.