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Marriott Bonvoy Brilliant® American Express®
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Score Needed: Good to Excellent
Marriott Bonvoy Brilliant® American Express®
At a glance
Welcome Offer

Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Limited Time Offer
New Offer
All time high
Rewards

3X points at restaurants worldwide

6X points on hotels for eligible purchases at hotels participating in Marriott Bonvoy®.

3X points at restaurants worldwide

2X
Points on other purchases
Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
Marriott Bonvoy Brilliant® American Express®
Application Tips
Get the best results with each application

Application Pending? Check your status online at AmericanExpress.com/Application-Status or by calling 1-800-567-1083. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)

Application Declined? If your Amex application was declined, you can ask for reconsideration within 30 days without a new credit check, or up to 90 days with a new one. When you call, you can ask to move credit from another Amex card or close an old card to get the new one. If they need a tax return, send what you have—it doesn't need to match your stated income. A bank statement might work too.

Approval Rules: American Express follows a maximum of 2 card approvals within 90 days, known as the 2/90 Rule. You can hold up to 5 credit cards, excluding No Preset Spending Limit cards, with a limit of 10 such cards. Additionally, you are allowed one Platinum variant every 90 days.

Limit Increase
Credit Inquires
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For existing Amex cardholders — Amex does not pull your credit for new credit card applications.
Application Inquires Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will| not do a hard credit pull when applying for a new credit card at any time
Welcome Offer Eligibility: Welcome Offer Eligibility You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application.
Downgrade Options
Getting your card
Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days
Rescore your report: To update your balance off-cycle, call 1-800-874-2717. The update will take up to 5 business days.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
Reward Terms
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Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your to any of the following American Express Travel Partners.
Points Transfer Partners
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Transfer Partner
Transfer Time
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Type
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Fees
Fees you may encounter as a cardmember
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Balance transfer Intro Offer
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Balance transfer Fee
Balance transfer Terms
Foreign Transactions
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More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.
Additional resources
The 9 Best Cards for Online Shopping
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The Ultimate Guide to 0% APR Credit Cards: Top 10 Picks for 2024
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The Effects of a HELOC on Your Credit Score
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Why Do I See Different Credit Scores
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