Marriott Bonvoy Brilliant® American Express® Card

First year vs. ongoing year worksheet

For year two, remove the one-time welcome offer entirely. To recover a $650 fee from rewards alone, this card must produce that much more value than your best no-fee alternative. At a 1% incremental return, that would require about $65,000 in eligible annual spend before counting credits you would genuinely buy anyway.

Data reviewed 2026-05-11. Estimate is not cash and depends on redemption. Confirm current issuer terms through the cited sources below.