American Express / Marriott · card facts

Marriott Bonvoy Brilliant

Premium Marriott card with annual dining credits, free-night value and lounge access.

WELCOME BONUS100k pointsSpend $6,000

ANNUAL FEE$650First year: $650

CREDITSEasy$300/yr advertised

LOUNGE ACCESSPriority Pass SelectVaries by card

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$846

Welcome bonus · TPG est.+$750

Full advertised annual credits+$300

Rewards on $36,000 benchmark spend+$446

First-year annual fee−$650

Keep / year · best case credits

+$733

Definitely keep

This recurring estimate uses the full advertised credit amount. The Easy label tells you how realistic it may be to capture all $300 of those credits.

Advertised credits$300

Credit difficultyEasy

TPG Aug. 2026 value0.75¢

Annual fee$650

Fee minus advertised credits$350 cost

Credit details

$300 advertised per year · Easy to use fully

Card creditsVaries · Varies difficulty

$300 advertised

See issuer terms for eligible purchases, timing and restrictions.

Lounge access

Priority Pass Select

Participating Priority Pass lounges; card-specific guest rules apply.

Guest ruleVaries by card

Compare all cards →Read the methodology

Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.