💳 American Express · Amex

Marriott Bonvoy Brilliant® American Express® Card

Travel Benefits Guide 2026

$650
Annual Fee
Lounge Access
Secondary
Rental Coverage
None
Foreign Tx Fee

📌 At a Glance: Top Travel Perks

Travel Benefits Breakdown

Here's exactly what you get — and what you don't — when you use the Marriott Bonvoy Brilliant® American Express® Card for travel.

✈️ Lounge Access

Network: Priority Pass Select (1,300+ airport lounges worldwide)

Guest policy: Up to 2 complimentary guests per visit

Complimentary Priority Pass Select membership with enrollment required. Includes up to 2 guest passes per visit. Does not include Amex Centurion Lounge access.

🛂 Global Entry / TSA PreCheck Credit

Get a $100 statement credit every every 4 years when you pay for Global Entry, TSA PreCheck with this card.

Global Entry ($100) includes TSA PreCheck and lets you skip customs lines when returning to the US — worth every cent for international travelers.

⏱️ Trip Delay Insurance

If your trip is delayed by 6+ hours, you're covered for up to $500/person in expenses.

Covers: meals, lodging, toiletries, medication, personal use items

Up to $500 per covered trip for delays of 6+ hours. Maximum 2 claims per 12-month period.

Must book travel with this card. Keep all receipts for reimbursement.

🚫 Trip Cancellation & Interruption

Reimburses up to $10,000/person (max $20,000/trip) if you must cancel or cut short your trip.

Covered reasons: illness (medically inadvisable per physician), severe weather, jury duty, change in military orders

Maximum $10,000 per covered trip, up to $20,000 per eligible card account per 12 consecutive months.

🧳 Baggage Insurance

Lost/stolen/damaged baggage: Up to $3,000/person

Checked bags: up to $2,000 | Carry-on: up to $3,000

Covers lost, damaged, or stolen baggage when you pay with this card. High-risk items (jewelry, electronics) capped at $1,000 per person per trip.

Baggage delay coverage: not included.

🏥 Emergency Medical & Evacuation

✅ Emergency evacuation coordination covered (transportation costs covered).

Premium Global Assist Hotline: 24/7 emergency assistance coordination including medical evacuation transport (Amex covers transport costs), repatriation of mortal remains, and care for unattended children. Does not cover medical treatment costs.

🚗 Rental Car Insurance

Secondary coverage — you must file with your personal auto insurance first, then this card covers the remainder.

Coverage amount: Up to $75,000

Covers: collision damage, theft

Excludes: liability, personal injury

Eligible countries: Worldwide except Australia, Italy, New Zealand, and OFAC-sanctioned countries.

Secondary coverage — file with personal auto insurance first. Up to 30 consecutive days. Must decline the rental company's CDW.

🌍 Foreign Transaction Fees

No foreign transaction fees — use this card internationally without paying an extra 2–3% on every purchase.

💰 Annual Credits & Perks

Rewards Structure

2x Marriott Bonvoy points per $1
Base rate on all purchases
6x on purchases at hotels participating in Marriott Bonvoy
Travel purchases
3x at restaurants worldwide
Dining

Point / Mile Values

  • Cash back / statement credit: ~0¢ per point
  • Travel portal redemption: ~0¢ per point
  • Transfer partners: 0.7–1.2¢ per Marriott Bonvoy point; best redeemed for premium hotel stays

Pros & Cons for Travelers

👍 Pros

  • ✅ No foreign transaction fees — safe to use internationally
  • ✅ Airport lounge access (Priority Pass Select (1,300+ airport lounges worldwide))
  • ✅ Rental car collision coverage (secondary)
  • ✅ Trip cancellation coverage (up to $10,000/person)
  • ✅ Trip delay coverage after 6+ hours
  • ✅ $100 Global Entry/TSA PreCheck credit

👎 Cons

  • ❌ High annual fee ($650) requires heavy use to justify

🎯 Who Is This Card Best For?

Serious Marriott loyalists who can leverage Platinum Elite status, the 85K free night award, and the dining credit to justify the $650 annual fee

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