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Features of the Marriott Bonvoy Brilliant® American Express® Card

  • Overview of the Card’s Core Offerings: The Marriott Bonvoy Brilliant® American Express® Card is a premium travel credit card tailored for frequent travelers and Marriott loyalists. With luxury travel perks, elite hotel benefits, and an accelerated rewards program, it stands out as one of the most rewarding hotel credit cards available.
  • Reward Points Structure:
    • 6X Points at Marriott Hotels: Earn 6 Marriott Bonvoy points per dollar spent at participating Marriott Bonvoy hotels, including iconic brands like JW Marriott, The Ritz-Carlton, and St. Regis.
    • 3X Points on Dining Worldwide: Earn 3X points at restaurants globally, including takeout and eligible delivery services, making it ideal for food enthusiasts and travelers alike.
    • 2X Points on All Other Eligible Purchases: Earn 2X Marriott Bonvoy points per dollar on all other eligible purchases, helping you rack up rewards on everyday spending.
  • Welcome Bonus Offer: New cardholders can earn up to 185,000 Marriott Bonvoy points after spending $6,000 on eligible purchases in the first 6 months. This bonus can unlock multiple free nights at thousands of properties worldwide.
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    • Elite Status Benefits:
      • Automatic Platinum Elite Status: Enjoy premium travel perks such as room upgrades (where available), 4 PM late checkout, a dedicated elite support line, and 50% more points on stays.
      • 25 Elite Night Credits Annually: Jumpstart your journey toward higher elite tiers with 25 Elite Night Credits every calendar year, helping you achieve Titanium or Ambassador status faster.
    • Annual Free Night Award: Each year after the card renewal month, cardholders receive a Free Night Award valid for a one-night stay at a Marriott Bonvoy property with a redemption value of up to 85,000 points. This certificate can be used at luxury hotels like St. Regis or JW Marriott, offering significant value for the card’s annual fee.
    • Top-Off Flexibility: If a property requires more than 85,000 points, cardholders can “top off” the Free Night Award with up to 15,000 additional Marriott Bonvoy points, expanding redemption options to higher-tier hotels, a unique feature for a hotel rewards card.
    • Annual Dining Credit: The card offers up to $300 in annual statement credits for eligible dining purchases worldwide, including restaurants, takeout, and delivery services. Credits are issued as up to $25 monthly credits, automatically applied to the cardholder’s statement, reducing out-of-pocket dining costs.
    • Marriott Bonvoy Property Credit: Cardholders receive up to $100 in property credit for qualifying charges (e.g., spa, dining, or golf) during paid stays at Ritz-Carlton or St. Regis properties. This credit enhances the luxury experience at these premium Marriott brands, adding value to the Marriott Bonvoy Brilliant Card.
    • Priority Pass Select Membership: The card includes a Priority Pass Select membership (enrollment required), granting unlimited access to over 1,300 airport lounges worldwide for the cardholder and up to two guests. This feature provides a comfortable pre-flight experience, making the card a top choice for frequent flyers.
    • TSA PreCheck/Global Entry Credit: Cardholders receive a statement credit of up to $100 every four years for TSA PreCheck ($78) or Global Entry ($100) application fees. This perk streamlines airport security and customs processes, enhancing travel convenience.
    • 50 Elite Night Choice Benefit: Upon achieving 50 Elite Night Credits in a calendar year, cardholders can select one of the following: five Suite Night Awards, $1,000 off a Marriott retail bed, Silver Elite status gift for a family member or friend, $100 charity donation, or five additional Elite Night Credits. This feature rewards loyal Marriott travelers with personalized options, a hallmark of the Marriott Bonvoy Brilliant Card.
    • Earned Choice Award: After spending $60,000 on eligible purchases in a calendar year, cardholders can select an additional Choice Benefit, such as five Suite Night Awards or a Free Night Award up to 85,000 points. This high-spend perk caters to affluent travelers, maximizing the card’s value.
    • Trip Cancellation/Interruption Insurance: The card offers trip cancellation and interruption insurance, reimbursing up to $10,000 per trip (max $20,000 per year) for non-refundable travel expenses due to covered reasons like illness or severe weather. This protection provides peace of mind for business and leisure travelers.
    • Baggage Insurance: Baggage insurance covers up to $3,000 per person for lost, damaged, or stolen luggage, ensuring cardholders are protected during travel disruptions, a key feature for a travel credit card.
    • No Foreign Transaction Fees: The Marriott Bonvoy Brilliant Card charges no foreign transaction fees, making it ideal for international purchases and travel. This feature saves cardholders 2–3% on overseas transactions, enhancing cost efficiency.
    • Premium Internet Access: Cardholders receive complimentary in-room premium internet access at Marriott Bonvoy properties, supporting seamless connectivity for work or leisure, a practical perk for modern travelers.
    • Annual Fee: The card has a $650 annual fee, which is offset by its extensive perks, including the Free Night Award, dining credits, and elite status. The fee is non-waivable, positioning the card as a premium offering for high-spending travelers.
    • Interest Rates: The card carries a variable APR of 20.99% to 29.99% for purchases, depending on creditworthiness. Timely payments are essential to avoid high interest charges, ensuring cardholders maximize the card’s rewards.
    • 24/7 Amex Support: American Express provides 24/7 customer support via phone ( 8885545255) or online chat, assisting with bookings, reward redemptions, or travel issues. This reliable support enhances the cardholder experience, a hallmark of Amex’s travel credit card offerings.
    • Dedicated Marriott Support: Cardholders have access to a dedicated Marriott Bonvoy elite support line, ensuring priority assistance for hotel bookings or status-related queries, streamlining travel planning.
Premier Card Benefits

Benefits of the Marriott Bonvoy Brilliant® American Express® Card

  • Enhanced Travel Experiences:
    • Platinum Elite Status Benefits: The automatic Platinum Elite status unlocks premium Marriott Bonvoy benefits, including room upgrades (subject to availability), late checkout up to 4 PM, 50% bonus points on Marriott stays, and welcome gifts (e.g., points or breakfast) at participating properties. These perks elevate the travel experience, making the Marriott Bonvoy Brilliant Card a top choice for hotel enthusiasts.
    • Free Night Award Value: The annual Free Night Award (up to 85,000 points) can be redeemed at luxury Marriott properties, potentially worth $500–$1,000 per night. The ability to top off with 15,000 points expands options to high-end hotels, delivering significant savings for cardholders.
  • Financial Savings:
    • Annual Dining Credits: The $300 annual dining credit (up to $25 monthly) offsets dining expenses at restaurants, takeout, or delivery services worldwide. This benefit effectively reduces the card’s $650 annual fee to an equivalent of $350, making it cost-effective for frequent diners.
    • Airport and Travel Convenience:
    • Priority Pass Lounge Access: The Priority Pass Select membership provides unlimited access to over 1,300 airport lounges for the cardholder and two guests, offering a comfortable space to relax or work before flights.
    • TSA PreCheck/Global Entry Reimbursement: The up to $100 credit for TSA PreCheck or Global Entry every four years streamlines airport security and customs, saving time for international travelers.
    • Rewards and Redemption Flexibility:
    • High-Value Welcome Bonus: The 185,000-point welcome bonus (after spending $6,000 in six months) can be redeemed for multiple free nights at Marriott properties, with point values ranging from 0.7 to 1.3 cents each.
    • Versatile Point Redemption: Marriott Bonvoy points can be redeemed for hotel stays, flight transfers to over 40 airline partners, experiences, or gift cards.
    • Elite Status Acceleration:
    • Elite Night Credits: The 25 Elite Night Credits annually jumpstart progress toward Titanium or Ambassador status, which offer additional perks like suite upgrades and personalized services.
    • Choice Benefit Options: The 50 Elite Night Choice Benefit allows cardholders to select rewards like Suite Night Awards or a $1,000 bed discount, catering to individual preferences.
    • Travel Protections:
    • Comprehensive Trip Insurance: Trip cancellation/interruption insurance reimburses up to $10,000 per trip for non-refundable expenses, protecting cardholders from unexpected disruptions.
    • Baggage and Car Rental Protection: Baggage insurance and car rental loss and damage insurance safeguard cardholders against travel mishaps, providing peace of mind for both leisure and business trips.
    • Cost Efficiency:
    • No Foreign Transaction Fees: The no foreign transaction fees feature saves 2–3% on international purchases, making the card ideal for overseas travel or dining. This cost-saving perk maximizes value for global travelers.
    • Statement Credit Offsets: The combination of $300 dining credits, $100 property credits, and the Free Night Award can offset the $650 annual fee, delivering a net positive value for cardholders who fully utilize these perks.
    • Lifestyle Enhancements:
    • Premium Internet Access: Complimentary premium in-room internet at Marriott properties supports seamless connectivity for work or streaming, a practical benefit for modern travelers.
    • Exclusive Experiences: Cardholders gain access to Amex Offers and Marriott Bonvoy Moments, providing discounts or exclusive experiences like concerts or culinary events, enhancing the card’s lifestyle appeal.
    • Customer Support and Accessibility:
    • Dedicated Elite Support: The Marriott Bonvoy elite support line ensures priority assistance for hotel bookings, upgrades, or status queries, streamlining travel planning for Platinum Elite members.
    • Amex Concierge Services: American Express’s 24/7 concierge service assists with travel bookings, dining reservations, or event tickets, adding a layer of luxury to the cardholder experience.
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How to Apply for the Marriott Bonvoy Brilliant® American Express® Card

  • Online Application Process
    • Step 1: Visit the American Express Website
      Navigate to the American Express website and locate the Marriott Bonvoy Brilliant Card under the ‘Travel Rewards Credit Cards’ section. Alternatively, visit the Marriott Bonvoy website and click ‘Apply Now’ to open the secure application form.
    • Step 2: Provide Personal Information
      Enter your full name, date of birth, Social Security Number (SSN), email, and phone number. Existing Amex cardholders can log in for auto-fill to speed up the process.
    • Step 3: Submit Financial Details
      Include annual income, employment status, and monthly housing payments. A minimum income of $75,000–$100,000 is usually expected for this premium card.
    • Step 4: Review Terms and Conditions
      Confirm the $650 annual fee, APR range (20.99%–29.99%), and welcome bonus terms (185,000 points after $6,000 spend in 6 months). Accept the terms before proceeding.
    • Step 5: Submit Application
      Submit your application. Amex typically provides an instant decision or responds within 7–10 business days.
  • Application via Marriott Bonvoy Website
    • Visit the Marriott Bonvoy website and select the Brilliant Card. You’ll be redirected to the Amex site to complete the application.
    • Ideal for Marriott Bonvoy members already familiar with the loyalty program and looking for seamless integration.
  • Pre-Qualified Offers
    • Use the Amex or Marriott website to check for pre-qualified offers. Input basic details like name, SSN, and income. This won’t impact your credit score.
    • Pre-qualifications may offer higher welcome bonuses or improved approval chances.
  • Application Tips
    • Maintain a credit score of 700+ (750+ preferred for better approval odds).
    • Ensure your debt-to-income ratio is below 30% and avoid multiple recent credit applications.
    • Existing Amex or Marriott Bonvoy members may benefit from faster approvals or targeted offers.
  • Post-Application Steps
    • Track Status: Use the Amex website or call 8885545255 with your SSN or application ID.
    • Card Activation: Upon approval and delivery (within 7–14 business days), activate the card online, via app, or by phone.
    • Welcome Bonus: Spend $6,000 in 6 months to earn 185,000 Marriott Bonvoy points. Track spending in the Amex app.
  • Eligibility Considerations
    • Income & Credit: Aim for an income of $75,000+ and a credit score above 700.
    • Amex Rules: Cardholders can hold only five Amex credit cards. Welcome bonuses are limited to once per lifetime per card.
  • Maximizing Approval Chances
    • Improve credit utilization (below 30%) and pay down debts before applying.
    • Apply during promotional periods to access elevated bonuses and value-added features.

Eligibility Criteria for the Centurion® Card from American Express (Black Card)

  • Existing American Express Cardholder:
    • Must be an existing Amex cardholder, typically holding a Platinum or Business Platinum Card for 1–5 years.
    • Long-term relationship allows Amex to assess payment history, spending, and loyalty.
    • Consistent use of premium services like Platinum concierge strengthens candidacy.
  • High Annual Spending:
    • Estimated $350,000–$1 million annually on personal cards; $450,000–$1 million on business cards.
    • Spending focus on travel, dining, and luxury retail rather than business expenses.
    • Consistent high-volume spending with full monthly payments indicates financial capacity.
  • Excellent Credit Score:
    • Pristine credit score, typically 750–800+, with bureaus like Equifax, Experian, or TransUnion.
    • No delinquencies, bankruptcies, or high credit utilization (preferably below 10%).
    • Charge card structure requires full monthly payments; strong credit profile essential.
  • Substantial Net Worth:
    • Typically $10–20 million or more, with significant liquid assets (cash, stocks, bonds).
    • Ability to pay $10,000 initiation fee and $5,000 annual fee without strain.
  • High Annual Income:
    • Often exceeds $1 million before taxes.
    • Stable and verifiable through tax returns or financial statements.
  • Invitation-Only Process:
    • Not available via standard application; invitation issued by Amex via proprietary criteria.
    • Existing cardholders may request consideration online since late 2021.
    • Estimated 100,000 cardholders globally among 100 million Amex users.
  • Strong Amex Relationship:
    • Timely payments, high spending on Amex cards, and engagement with premium services (e.g., Fine Hotels + Resorts).
  • Lifestyle Compatibility:
    • Frequent international travel, luxury hotel stays, and high-end retail/dining expenditures prioritized.
    • Business-only spending less favored for personal card invitation.
  • Financial Stability and Liquidity:
    • Diversified financial portfolio with substantial liquid assets prioritized.
    • Investments in real estate or illiquid assets considered but weighted less heavily.
  • Geographic Considerations:
    • Criteria vary by region; higher spending thresholds in financial hubs.
  • Business Card Eligibility:
    • Business Centurion Card eligibility focuses on corporate spending and revenue.
    • Businesses with annual revenue in tens of millions and Amex spending $500,000+ considered.
    • Primary cardholder’s personal credit and income also evaluated.
  • Recommendations and Affiliations:
    • Endorsements from existing Centurion cardholders or Amex relationship managers can enhance eligibility.
    • Affiliations with elite financial institutions signal credibility.
  • Regulatory Compliance:
    • Applicants must comply with AML and KYC regulations.
    • Verifiable ID, financial statements, and proof of residency required.
  • Age and Legal Capacity:
    • Applicants must be at least 18 years old and legally capable of entering credit agreements.
  • Discretionary Review and Approval:
    • Final approval is subject to Amex's discretionary review of overall financial behavior and risk profile.
    • Amex may periodically reassess eligibility based on changes in spending habits, creditworthiness, or financial status.
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Documents Required for the Marriott Bonvoy Brilliant® American Express® Card

  • Identity Proof:
    • Social Security Number (SSN): Mandatory for U.S. residents to verify identity and credit history.
    • Driver’s License: Valid state-issued license with a photo and unexpired date.
    • U.S. Passport: Useful for applicants without a license or with international history.
    • State ID Card: Alternative for non-drivers issued by a U.S. state or territory.
    • Military ID: Accepted for active-duty personnel, especially for SCRA-related benefits.
  • Address Proof:
    • Utility Bill: Issued within 60 days (electricity, gas, water, or internet) showing your name and address.
    • Bank Statement: U.S. bank/credit union statement from the past 60 days reflecting current address.
    • Lease Agreement or Mortgage Statement: Showing your full name and U.S. residential address.
    • Voter Registration Card: Accepted if it displays your current residential address.
    • U.S. Passport: Accepted if it lists your current address (rare).
  • Income Proof:
    • Salaried Individuals:
      • Pay stubs from the last 2–3 months.
      • Recent W-2 Form confirming annual income.
      • 3-month bank statements showing regular salary credits.
    • Self-Employed Individuals:
      • Federal Tax Returns (Form 1040 + Schedule C or K-1) for past 2 years.
      • Certified profit and loss statement.
      • 6-month bank statements with consistent income deposits.
    • Additional Income Sources (if applicable):
      • Investment Statements (3–6 months).
      • Rental Agreements with supporting deposit proof.
      • Court Documents for alimony or child support.
  • Additional Documents:
    • Photograph: A recent, passport-size photo may be required, especially for in-person or enhanced verification.
    • Marriott Bonvoy Membership:
      • Membership Card or digital statement.
      • Proof of Elite Status (e.g., Platinum, Titanium) via screenshot or document.
    • Military Documentation (for SCRA applicants):
      • Military ID
      • Deployment Orders (if stationed abroad)
      • SCRA Application Form (available on Amex site)
  • Document Submission Guidelines:
    • Online Submission: Upload PDF/JPEG/PNG files (max 5MB) through the American Express secure portal.
    • Mail/In-Person: Submit self-attested photocopies with originals for verification.
  • Tips for Smooth Submission:
    • Ensure all documents are clear, legible, and up to date.
    • Match the name and address on all documents with your application.
    • Use only official Amex channels to upload or submit documents.
  • Special Considerations:
    • Applicants with dual residences should provide their primary U.S. mailing address.
    • Non-residents must include a trusted U.S.-based contact or correspondence address.
    • Incomplete or unclear documentation may delay or reject the application.
  • Document Retention:

    Keep copies of all submitted documents for your records. Standard processing takes 7–14 business days.

Factors Affecting Approval for the Marriott Bonvoy Brilliant® American Express® Card

  • Credit Score: A FICO score of 700–850 (good to excellent) is typically required. Scores above 740 significantly improve approval chances.
  • Credit Utilization Ratio: Keep it under 30% for the best results. High utilization signals risk and may reduce approval odds.
  • Payment History: A strong record of on-time payments is essential. Missed payments, defaults, or collections can lead to denial.
  • Recent Credit Inquiries: Multiple hard pulls within a short timeframe (6–12 months) can indicate credit-seeking behavior, reducing approval chances.
  • Financial Stability Factors:
  • Income Level: A high income (often $70,000+) is preferred due to the card's premium status and annual fee.
  • Debt-to-Income Ratio: A ratio under 36% is recommended. Higher ratios may raise concerns about repayment ability.
  • Employment Status: Full-time employment, business ownership, or other stable income sources are favored.
  • Length of Credit History: Applicants with longer credit histories (5+ years) are more likely to be approved.
  • Credit Mix: A diverse mix (credit cards, loans, mortgages) helps showcase responsible credit behavior.
  • Existing Debt Obligations: Large existing debts may affect your available credit capacity and reduce approval odds.
  • Bankruptcy or Foreclosure History: Past financial issues, especially within the last 7 years, can severely impact approval.
  • Recent Account Openings or Closures: Frequent changes to your credit profile can flag you as a risk to issuers.
  • Personal and Behavioral Factors:
  • Existing American Express Relationship: Current Amex cardholders with positive payment history may benefit from internal scoring models.
  • Marriott Bonvoy Membership: Having existing Bonvoy status, especially Gold or higher, may help but is not required.
  • Travel and Spending Behavior: Demonstrating spending patterns that align with Marriott and travel categories is a plus.
  • Application Timing: Avoid applying immediately after a credit denial. Be mindful of Amex’s welcome bonus restrictions (once per lifetime per card).
  • Geographic Location: Applicants from economically stable regions may be viewed more favorably.
  • Age of Applicant: Older applicants with mature credit profiles generally fare better than newer credit users.
  • External and Policy Factors:
  • American Express Policies: Rules like the 5-card limit (for credit cards) and 2-in-90-days approval policy may apply.
  • Economic Conditions: During economic downturns or market tightening, approval criteria may be more stringent.
  • Military Status: Active-duty military members may qualify for waived annual fees under SCRA and better approval terms.
  • Regulatory and Credit Bureau Factors: Changes in credit reporting or discrepancies among bureaus (Experian, Equifax, TransUnion) can affect scoring.
  • Strategies to Improve Approval Chances:
  • Check your credit report for errors and dispute inaccuracies.
  • Pay down outstanding debts to improve your credit utilization and DTI ratio.
  • Avoid opening or closing multiple accounts before applying.
  • Consider pre-approval or pre-qualification offers from Amex before applying officially.
  • Long-Term Considerations:
  • Once approved, use the card strategically to unlock benefits like Platinum Elite Status, Free Night Awards, dining credits, and airport lounge access. Maintaining responsible usage can increase your credit limit and future approval odds for other premium Amex cards.

Frequently Asked Questions (FAQs) – Marriott Bonvoy Brilliant® American Express® Card

1. What are the key benefits of the Marriott Bonvoy Brilliant Card?
Key benefits include:
  • Earn 95,000 Marriott Bonvoy bonus points after spending $6,000 in the first 6 months (offer may vary).
  • Free Night Award every year (worth up to 85,000 points) after card renewal.
  • 25 Elite Night Credits annually to help you reach Marriott Bonvoy elite status faster.
  • Priority Pass™ Select membership with unlimited lounge visits (enrollment required).
  • $300 annual Marriott Bonvoy statement credit for eligible purchases at participating Marriott hotels.
2. What is the annual fee?
The annual fee for the Marriott Bonvoy Brilliant® American Express® Card is $650 (as of 2025), charged annually.
3. How do I earn points with this card?
You earn:
  • 6X points at Marriott Bonvoy hotels.
  • 3X points at worldwide restaurants and on flights booked directly with airlines.
  • 2X points on all other eligible purchases.
4. Does the card offer Marriott Bonvoy elite status?
Yes, you receive Marriott Bonvoy Platinum Elite status as long as you hold the card, plus 25 Elite Night Credits each year.
5. What is the $300 annual Marriott credit?
Each year, you get up to $300 in statement credits for eligible purchases (like room rates, dining, or spa services) at Marriott hotels worldwide.
6. Does the card offer airport lounge access?
Yes, you get a Priority Pass™ Select membership (enrollment required) with unlimited lounge visits.
7. Is there a foreign transaction fee?
No. The card has no foreign transaction fees, making it a great choice for international travel.
8. What is the Free Night Award?
Every year after your card renewal, you receive a Free Night Award (worth up to 85,000 points) at eligible Marriott properties.
9. Does the card have travel protections?
Yes. Travel protection benefits include:
  • Trip Delay Insurance (up to $500 per trip for delays over 6 hours).
  • Lost Luggage Insurance (up to $3,000 per passenger).
  • Car Rental Loss & Damage Insurance (secondary coverage).
10. How does this card compare to other Marriott credit cards?
Compared to the Marriott Bonvoy Boundless® Card or Marriott Bonvoy Bevy™ Card, the Brilliant card offers higher rewards, Platinum status, lounge access, and premium travel perks, but with a higher annual fee.