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You have the Marriott Bonvoy Brilliant® American Express® Card
American Express · $650/yr
What you’re getting
- ✓$300 Marriott statement credit (effectively ~$300 off the AF)
- ✓1 free night cert annually (up to 85k points — the best free night in travel)
- ✓Platinum Elite status automatic
- ✓25 Elite Night credits per year
- ✓Priority Pass Select (lounge access)
- ✓Global Entry / TSA PreCheck credit
6x Marriott Bonvoy hotels3x Dining at restaurants3x Flights booked direct2x All else
What you’re probably missing
Hotel points book rooms — not flights
This card is a strong hotel play, but it can't fund the flight side of a trip. A transferable-points card alongside it covers airfare and tops up hotel balances when transfer partners line up.
A $650 fee only makes sense if you work the credits
Premium cards front-load statement credits that lapse if unused. If you're not actively tracking activation deadlines and credit calendars, you may be paying more than you're getting back.
Go deeper
- Chase Sapphire Reserve in 2026: $795 fee, $2,000+ in credits, and a Park Hyatt run on the welcome bonus →
- Authorized users in 2026: when the fee pays off, when it doesn't, and the household point-pooling play most couples miss →
- Transferable Points 101: Why Chase UR, Amex MR, Citi TY, and Capital One Miles Beat Airline-Specific Cards →
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