💳 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.

💡 Credit card travel insurance has limits

Credit card trip insurance typically doesn't cover medical emergencies abroad. For international trips, dedicated travel health insurance is recommended.

Browse travel health guides by country →

🌍 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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