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Your complete guide to the Bonvoy Brilliant $300 credit

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The Marriott Bonvoy Brilliant™ American Express® Card has a lot of valuable recurring benefits, but none more valuable than the $300 Marriott statement credit. The credit is pretty significant and helps many cardholders justify the $450 annual fee. Not many people are willing to pay a fee this high, unless the card offers tangible benefits. The Bonvoy Brilliant certainly delivers on that front.

What’s so special about the $300 annual credit? It’s pretty straightforward. You can use it on virtually any expense at Marriott properties. Simply charge the purchase to your room, use your Bonvoy Brilliant Card at check-out and you’ll receive a credit of up to $300 within eight to 12 weeks. If you spend at least $300 a year at Marriott hotels, the Bonvoy Brilliant’s $450 annual fee can be well worth it, considering its numerous perks.

While the $300 statement credit is simple to use, some small-print facts are worth noting. Lucky for you, we’ve rounded them all up, so you’ve got the full picture. Here’s everything you need to know about the Bonvoy Brilliant Card’s $300 statement credit:

Marriott Bonvoy Brilliant Card overview

Before we dive into the statement credit, let’s take a look at the Marriott Bonvoy Brilliant Card’s benefits so you can decide whether this card is a good fit for you:

  • Welcome offer: Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases on the Card within the first 3 months.
  • $300 in Marriott statement credits issued annually
  • $100 property credit on stays of two nights or longer at select hotels
  • Annual free night award valid at hotel requiring 50,000 points per night or less
  • Category bonuses:
    • 6X points at Marriott properties
    • 3X points at U.S. restaurants and on flights booked directly with airlines
    • 2X points on all other purchases
  • Complimentary Gold Elite status
  • Platinum Elite status after making $75,000 in purchases on your card in a calendar year
  • 15 elite night credits toward the next level of Marriott status
  • Priority Pass Select membership
  • Up to $100 statement credit every four years toward Global Entry or TSA PreCheck fees
  • Complimentary premium internet at Marriott hotels
  • No foreign transaction fees

How does the Bonvoy Brilliant $300 credit work?

The $300 credit is triggered when you make a qualifying purchase with your Marriott Bonvoy Brilliant Card. Purchases have to be made directly at hotels and timeshare properties to qualify. It’s important to note that all purchases made at hotels and resorts must be charged to your room first. At checkout, you’ll need to pay for the charge with your Marriott Bonvoy Brilliant Card to trigger the $300 credit.

This shouldn’t be too inconvenient, considering most people make it a habit to charge hotel expenses to their rooms anyway. Simply follow this step and remember to use your Bonvoy Brilliant Card at checkout—voila! You’ve just saved up to $300 on your bill.

Another bonus of using your Bonvoy Brilliant Card? The card earns 6X points per $1 spent at Marriott properties. As a Marriott Gold elite member, you’ll earn an additional 6.25-12.5X points per $1 spent through the Marriott Bonvoy program.

Your statement credit will post within eight to 12 weeks, though it’s often much faster than that. The credit renews annually on your account opening anniversary and you don’t even have to use it all at once. You have a whole year to redeem it and with no minimums, you can split it across as many hotel stays as you want.

Which purchases qualify for the credit?

Virtually any purchase at Marriott hotels and timeshare properties qualifies for the $300 credit—you just have to charge it to your room. Eligible purchases include dining, spa, activities and incidentals. Love that fluffy, overpriced robe for sale in the hotel spa? Charge it to your room and use the $300 credit to cover it. Want to go jet skiing on your next Hawaii vacation? Assuming the hotel allows you to charge the expense to your room, you can treat yourself courtesy of the Marriott Bonvoy Brilliant Card.

Some cardholders have reported that gift cards, reservation deposits and even room rates have qualified for the credit. These purchases aren’t listed as eligible in the card terms and conditions, so don’t count on them triggering the credit. While some cardholders have reported receiving the Bonvoy Brilliant credit on certain room purchases, that may well change tomorrow.

If you have one or more authorized users on your account, their purchases also qualify for the $300 credit. So whether you’re using the card to make an eligible purchase at a Marriott property or your authorized user is, qualifying purchases will trigger the $300 statement credit. That provides you with ample opportunities to use the credit before it expires every year.

How long after a purchase is the credit issued?

After making an eligible purchase with your Marriott Bonvoy Brilliant Card, the credit should post within 8-12 weeks. In reality, it’s much faster than that. My credits have posted within days of a qualifying purchase. Of course, your experience may vary.

If you worry about your credit not posting, you can always reach out to American Express customer service. While they may not speed up how fast the credit posts, they can let you know if your purchase was eligible to begin with. That way, you don’t have to continue tracking it to ensure the credit applies to your account.

How is the $300 Bonvoy Brilliant statement credit different from the $100 property credit?

The Marriott Bonvoy Brilliant Card offers two statement credits: The annual $300 credit and the $100 property credit that can be used multiple times. The main difference is that the $300 credit renews every account anniversary. It can be used across numerous stays and there is no minimum amount.

Meanwhile, the $100 credit is only valid on two-night stays at Ritz-Carlton and St. Regis hotels. You need to book a specific rate directly through Marriott to get this credit. You can book this rate multiple times to get $100 credit on different stays. This credit, unlike the $300 one, does not roll over. You have to use it during each specific stay or you lose out. Additionally, the $100 credit won’t apply to taxes, resort fees or gratuities.

The $300 credit is more flexible since it’s not restricted to a specific property or stay. You can use $5 of it at a Courtyard Marriott to cover snacks and drinks, then use the remaining $295 at your favorite resort. You can even combine these two credits: Book a two-night stay at a qualifying resort for the $100 credit, then charge $400 worth of incidentals to your room. Pay for it with your Bonvoy Brilliant Card and get $300 in statement credits in addition to the $100.

Are authorized users eligible for the $300 statement credit?

Authorized users on the Marriott Bonvoy Brilliant Card can’t get their own $300 Marriott statement credit. However, eligible purchases by authorized users do qualify for the statement credit on the card.

Is the Marriott Bonvoy Brilliant Card’s $300 credit worth the annual fee?

The Amex Bonvoy Brilliant has a $450 annual fee, but it’s packed with many benefits that make it worthwhile. The $300 statement credit is undoubtedly one of the card benefits making the annual fee worth paying. Cardholders also receive an annual free night award valid at any Marriott property requiring 50,000 Bonvoy points or less per night. If you stay at Marriott hotels at least once a year and make use of both benefits, the Marriott Bonvoy Brilliant Card is worth the annual fee.

The Bonvoy Brilliant Card also gets you access to an underrated yet valuable discount program: Amex Offers. Amex Offers partners with hundreds of popular retailers to offer incredible discounts on everything from travel spending to your monthly cellphone bill. Last year, I got over $2,000 worth of discounts by taking advantage of Amex Offers. This can sweeten the deal when you’re trying to decide whether the $300 Marriott statement credit is worth paying the annual fee.

The bottom line

The Marriott Bonvoy $300 statement credit is issued annually to Marriott Bonvoy Brilliant cardholders, within eight to 12 weeks of eligible purchases. It’s valid on purchases made directly at Marriott hotels by the primary cardholder and authorized user. This annual statement credit is separate from the card’s $100 property credit, which can be used multiple times on a minimum of two-night stays at Ritz-Carlton and St. Regis hotels.

You don’t have to use the $300 Bonvoy statement credit all at once. Every time you make an eligible purchase, you’ll receive a credit for that amount, until you use up the entire $300. There is no redemption minimum, so you can split it across multiple stays.

Written by
Ariana Arghandewal
Travel rewards writer
Ariana Arghandewal is a personal finance expert specializing in credit cards and travel rewards. She is passionate about helping people leverage credit card rewards to realize their travel goals.
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