American Express Marriott Bonvoy Brilliant

• Annual fee: $650
• APR range: not verified
• Foreign transaction fee: None

• $100 Marriott Bonvoy Property Credit (annual)
• 25 Elite Night Credits (calendar year)
• American Express Venue Collection (calendar year)
• Amex Offers (other)
• Amex Special Ticket Access (other)
• Baggage Insurance Plan (per trip)
• Brilliant Dining Credit (calendar year)
• Brilliant Earned Choice Award (calendar year)
• Car Rental Loss and Damage Insurance (per trip)
• Cell Phone Protection (per visit)
• Dispute Resolution (other)
• Extended Warranty (per trip)
• Marriott Bonvoy Brilliant Free Night Award (annual)
• Marriott Bonvoy Platinum Elite Status (cardmember year)
• No Foreign Transaction Fees (other)
• Premium Global Assist Hotline (other)
• Premium Internet Access (per stay)
• Priority Pass Premium (cardmember year)
• Trip Cancellation and Interruption Insurance (per trip)
• Trip Delay Insurance (per trip)
• Year-End Summary (annual)

Only benefits whose terms have cleared review are listed — a benefit the issuer advertises but that has not been verified here is omitted rather than repeated. Per-benefit values are not shown because the underlying field mixes dollars, miles, points and insurance limits without recording which. The dollar question is answered below.

The $650 annual fee is charged whether or not you use any of the benefits above. Against it, our Fee Reality model estimates $225 of credit value actually realized by a typical cardholder, out of $300 of advertised face value.

Modeled, confidence grade C — not a measurement of your own redemptions. See the Fee Reality Check for the credit-by-credit breakdown.

Verified 2026-10-06 directly against the issuer's published terms: View American Express Bank's official terms page