Marriott Bonvoy Brilliant

Whether Marriott Bonvoy Brilliant is worth its $650 annual fee depends on which credits you'll actually use. Verified auto-credits alone return $0/year. If you also use the capturable credits, the ceiling is $430/year. Tap the credits you'd really use in the calculator above to see your honest verdict.

You'd need to capture $650 in credits each year to break even. Maxing every credit on this card only returns $430 (66% of the fee).

Banks add up every possible credit at its theoretical maximum. We separate what posts automatically ($0/year here) from what requires you to spend, enroll, or use a specific portal. Most people don't hit the ceiling, so the honest number is lower than the marketing number.

No. Welcome bonuses are one-time and vary by application channel, so we don't fold them into ongoing annual value. Our number reflects what you get every year you hold the card — not a first-year sweetener.

Marriott Bonvoy Brilliant has no fully-automatic credits in our verified set. Every credit on this card requires you to do something — book through a portal, enroll, or spend at a specific merchant.

No credits on Marriott Bonvoy Brilliant require an enrollment step in our records. You still have to use each credit at the right merchant or within the right window.

WorthTheFee excludes any benefit without a fixed, verifiable dollar value — things like elite status, lounge access, or trip insurance. They're real, but we won't put a fake price on them.

We split every credit into three buckets: Verified (posts automatically), Capturable (real dollars, but only if you use them), and Conditional (value depends on a specific behavior). Your answer adds up only the credits you tell us you'll actually use — never the bank's marketing total.

We pull from the issuer's published terms and re-verify on a rolling cadence. When a term changes, we log it to our terms-history so you can see exactly what shifted and when. If a credit's reset window changes, your reminders update too.

Issuers raise fees occasionally — usually with 30–60 days notice. If we detect a fee change on a card you've saved, we surface a warning on this page and email you. You can always downgrade or cancel before the renewal posts.

No. We sometimes earn a commission if you apply through our links, but that has zero effect on the calculator, the verified value, or which card we recommend. The cheapest honest verdict wins — even when it's not the affiliated one.

Yes — your current selections are kept in this page's URL automatically. Create an account to save reports to your dashboard and get reminders before each credit's reset window closes.