My Experience With The Marriott Bonvoy Brilliant Card

Filed Under: Credit Cards, Marriott
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Through January 13, 2021, both the Marriott Bonvoy Brilliant™ American Express® Card (review) and Marriott Bonvoy Business™ American Express® Card (review) are offering incredible limited time welcome bonuses that we’ve never seen before. Among bonus points and other perks, both cards are offering Marriott Bonvoy Platinum Elite status for the 2021 program year.

We’ve never seen Platinum Elite status offered as a welcome bonus on either of these cards before, and for that matter it’s not an offer I’d expect to see again after travel starts to significantly recover. Personally I have both of these cards, and in this post wanted to focus in particular on the personal version of the card.

Why the Marriott Bonvoy Brilliant is worth it

The Marriott Bonvoy Brilliant Card has a $450 annual fee (Rates & Fees). I can totally understand how on the surface some people might say “well I don’t want to pay $450 for a card if I don’t have to.”

This is a card I have, and in this post I wanted to explain how this card has been oh-so-worth-it to me the past year, and I think this would be the case for lots of others as well.

In no particular order, here’s how the benefits of this card have worked out for me:

$300 Marriott travel credit

Personally I view the Marriott Bonvoy Brilliant Card as actually costing $150 per year, rather than $450 per year. Why? Because the card offers a straightforward $300 annual Marriott travel credit.

This couldn’t be easier to use, and there are no hoops to jump through — you’ll receive statement credits for the first $300 you spend each cardmember year at a Marriott family property with the card:

  • This is valid at virtually all properties, both in the US and abroad, and at a variety of brands, ranging from Four Points to Ritz-Carlton
  • This is valid for virtually all hotel spending, ranging from room rate, to food & beverage purchases, to spa treatments

The $300 travel credit posts automatically

If you spend at least $300 per year at Marriott properties, this should just about be worth face value, plain and simple. And I guess to reverse it, if you don’t spend at least $300 per year at Marriott properties (even on incidentals), then chances are that this card isn’t for you.

You can use the credit for food & beverage purchases at Marriott properties

Free night award worth up to 50,000 points

The Marriott Bonvoy Brilliant Card offers a free night award on your account anniversary every year, valid at a property costing up to 50,000 points per night. This has a significant advantage over the free night award on some other Marriott credit cards, which are only valid at properties costing up to 35,000 points.

Last year I used this for a free night at the Ritz-Carlton Sarasota over Thanksgiving. We decided to celebrate the holiday there with family (it was convenient for my mom, and it was her first time really leaving the house after a surgery a couple of months prior), and we had a great time.

It just happened to be that the hotel cost 50,000 points per night, so I could use a certificate for a night, when the paid rate would have been over $350 including taxes.

As far as I’m concerned, at this point I’m already coming out ahead with the card, between the $300 travel credit and the night at a hotel that would have cost $350+.

I redeemed my free night award at the Ritz-Carlton Sarasota

$300 in further statement credits

There are the published benefits of cards, and then there are the unpublished and promotional benefits of cards, which come around every so often. This is an area where Amex is particularly good, thanks in large part to the Amex Offers program.

In 2020 alone, I expect to get at least $300 in additional statement credits by using this card.

At the beginning of the year my account was targeted for an offer for a $25 statement credit for spending $25 or more at a Marriott property. That was easy, and I took advantage of that.

On top of that, just recently I got an offer for a $100 statement credit for spending $1,000 on the card, regardless of what the spending was on. I already took advantage of this as well.

Lastly, this year alone there have been three offers on my account for saving money when spending a certain amount at Marriott properties:

  • In the spring I had an offer for $75 back when spending $250+
  • In the summer I had an offer for $50 back when spending $200+
  • In the fall I had an offer for $75 back when spending $250+

I’ve already taken advantage of the first two offers, and will take advantage of the third one in December.

Between those five offers, that’s another $300 back in my pocket. Not bad, eh?

I’ve received a further $300 in statement credits with the card

15 elite nights towards Bonvoy status

I’m jealous of those who can earn Platinum Elite status just by applying for one of the Marriott Bonvoy cards. However, for the rest of us this card offers 15 elite nights towards status annually. Since I have the Marriott Bonvoy Brilliant Card and the Marriott Bonvoy Business Card, I receive a total of 30 elite nights towards status annually between the two cards.

For many people this will make Platinum Elite status quite attainable, as it requires 50 nights per year, so having those two cards gets you 60% of the way there long term (and again, in the short term you can get Platinum Elite status by applying for this card).

Having the card makes status easier to earn

The Bonvoy Brilliant perks I haven’t used

In addition to the above perks, there are several more Bonvoy Brilliant Card perks that others may get value out of, but that I personally don’t:

  • A Priority Pass Select membership, which gets you access to 1,300+ lounges around the world; personally I receive this perk through several cards, so an incremental member doesn’t get me much
  • Premium in-room internet at Marriott properties; since I have status with Marriott, I get this benefit anyway
  • A Global Entry or TSA Pre-Check credit once every 4-4.5 years, which ordinarily costs $85-100; this is potentially valuable, but I get this benefit on so many cards

Get airport lounge access with the card

Bottom line

Personally I find the Marriott Bonvoy Brilliant Card to be extremely worthwhile. While the card has a $450 annual fee, the $300 annual Marriott travel credit is more or less worth face value, so to me the card is really only costing me ~$150 per year.

Within the past year I’ve received an additional $300 in statement credits (beyond the Marriott $300 travel credit), a free night award at a hotel costing 50,000 points, and much more.

I think this card is well worth it under normal circumstances, but if you don’t yet have it, there’s all the more reason to apply, given the incredible bonus available right now, including Platinum Elite status for the 2021 program year.

If you have the Bonvoy Brilliant, what has your experience been like?

The following links will direct you to the rates and fees for mentioned American Express Cards. These include: Marriott Bonvoy Brilliant™ American Express® Card (Rates & Fees).

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Comments
  1. I’ve hit the 10x Bonvoy points on restaurants pretty hard in recent weeks. Will be sad to see it go on Saturday.

    I agree it is a very underrated card, and one of my most used. I tend to get a lot of useful Amex offers on this card, and the Marriott credit and free night at 50K are both very easy to use and make the card basically free to hold.

  2. Even with zero Marriott stays for me this year, this card has more than paid for itself. There’s been some excellent Amex offers that saved me a bunch of money and I was able to use the $300 Marriott credit when they were having a sale on gift cards.

  3. I think the newer Marriott credit cards – both Chase and Amex can’t compare to the benefits of the former SPG and Marriott cards issued by Amex and Chase respectively.

  4. Hey Lucky, with the Amex Offers to spend $200/250, get $50/$75 back. Are you able redeem those offers over multiple stays instead of simply one transaction?

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