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American Express

Bonvoy Brilliant

Annual fee $650 · 6x at Marriott

Brilliant's only recurring dollar credit is a monthly $25 dining allowance, worth $300 a year against a $650 fee. The rest of the card's value sits in an annual free-night award worth up to 85,000 points, which has no fixed dollar figure in this guide.

Fee break-even: 216.7%. Even redeeming every valued credit in full only covers 46.2% of the $650 fee; the rest of this card's case rests on the certificate and perks below.

The math

Each credit's per-occurrence amount, multiplied by how often it resets in a year.

Dining credit
$25 × 12/yr
$300/yr
Free night award (up to 85k)
Once a year · resets by card anniversary
Certificate
Total annualized credits$300/yr

Full credits table

CreditAmountCadenceResets byCategoryNotes
Dining credit $25 Monthly Calendar year dining None
Free night award (up to 85k) Varies Once a year Card anniversary hotel None

Standing perks

Non-dollar perks that come with the card, not counted in the math above.

Track this card automatically.

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