Marriott Bonvoy Brilliant Card $300 Statement Credit
Until May 18, 2022, the Marriott Bonvoy Brilliant™ American Express® Card (review) has a huge welcome offer. After making the minimum spend of $5,000 in the first three months, cardholders can receive 100,000 Marriott Bonvoy points plus a free night redeemable at a property costing up to 85,000 Marriott Bonvoy points.
While the card has a $450 annual fee (Rates and Fees), in this article I wanted to talk about the only advantage that should easily recover about two thirds of it.
How the $300 Marriott Bonvoy Statement Credit Works
The Marriott Bonvoy Brilliant Card offers a $300 annual Marriott statement credit, which couldn’t be much easier. Here’s everything you need to know about how it works:
- Credit is issued each year of the cardholder, rather than each calendar year
- You receive a credit the first year as a cardholder, as well as each subsequent year
- This applies to any qualifying purchases made directly at participating Marriott Bonvoy hotels and timeshare properties.
- No registration is required to take advantage, simply charge an eligible purchase directly to your Marriott Bonvoy Brilliant Card.
- In addition to room rate, taxes, resort and destination fees, etc., this may also be applied to any incidental charges (including charges at restaurants, spas, and other hotel establishments ) as long as they are charged to your room. and you pay with your card
- Online purchases of Marriott-branded gift cards are not eligible for this benefit
- Purchases from the primary cardholder and any authorized or additional users count toward this credit, although you only get one $300 credit per primary account.
- Although the terms say it can take 8-12 weeks for reporting credits to be released, in my experience they release much faster than that.
How much is the $300 Marriott credit worth?
I think it’s important to mentally consider the value of a credit card’s benefits, to decide whether a card is worth it or not. How to mentally count the value of the $300 credit on the Marriott Bonvoy Brilliant card?
- The $300 Marriott Credit should earn you $300 a year because anyone with this card should spend at least $300 a year at Marriott properties, even if it’s just for incidentals when redeeming points.
- If you’re not spending at least $300 a year at Marriott properties around the world, then this probably isn’t the card for you.
While the credit should earn you $300, if you want to be exact, you should probably apply some sort of discount to it, to reflect the opportunity cost of earning points:
- The Marriott Bonvoy Brilliant Card typically earns 6x Bonvoy Points per dollar spent with Marriott
- You don’t earn points on the $300 Marriott spend you charge a la carte and get reimbursed, so you forfeit 1,800 Bonvoy points on that spend
- I value Bonvoy points at 0.7 cents each, so a “discount” of about $12.60 should be applied to account for this opportunity cost, meaning the credit is “worth” about 287, $40
Are the other card benefits worth about $162.60 per year?
In terms of calculating the value proposition of the $450 annual fee Marriott Bonvoy Brilliant Card, you can subtract $287.40 to account for the value of the $300 Marriott Bonvoy Credit. Do the other benefits of the card justify this cost? The card offers among other things:
In my opinion, the $300 credit and anniversary free night reward more than justifies the annual fee, and everything else is just icing on the cake. So unless you avoid Marriotts at all costs, I think the math is very favorable on this card for a large majority of consumers.
At the end of the line
The Marriott Bonvoy Brilliant Card offers a $300 annual Marriott Bonvoy statement credit that couldn’t be much easier to use. It can be applied to virtually any purchase directly from a Marriott property worldwide, whether it’s room rate, taxes and fees, or incidental charges. No registration is required, and if you have this card, you should be able to make the most of it.
That should recoup about two-thirds of the annual fee for most cardholders, and then the free night reward should easily justify the rest of the annual fee. And that’s not even taking into account the card’s other benefits.
If you have the Marriott Bonvoy Brilliant card, what was your experience with the card’s $300 annual travel credit?
The following links will direct you to the rates and fees for the American Express cards mentioned. These include: Marriott Bonvoy Brilliant™ American Express® Card (Rates and Fees).