Editorial take: Marriott Bonvoy Brilliant Amex
The Platinum status is legitimately valuable (lounge access, suite upgrades), but the $650 fee is steep. Justify it only if you stay at Marriotts 8+ times a year.
All credit cards
Side-by-side
Marriott Bonvoy Brilliant Amex vs The Platinum Card from American Express Exclusively for Charles Schwab
Both are well-respected travel cards. The Marriott Bonvoy Brilliant Amex comes from American Express at $650/yr; the The Platinum Card from American Express Exclusively for Charles Schwab from American Express at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Marriott Bonvoy Brilliant Amex | The Platinum Card from American Express Exclusively for Charles Schwab |
|---|---|---|
| Annual fee | $650 | $695 |
| Sign-up bonus | up to 150,000 Marriott Bonvoy points | Up to 80,000 Membership Rewards points |
| Bonus value (est.) | $1,050 | $1,440 |
| Min spend to unlock bonus | - | $8,000 in 6 mo |
| Issuer | American Express | American Express |
| Card category | hotel | travel |
| Transfer partners | None | amex-mr |
| Headline benefits |
|
|
Read the full review
Marriott Bonvoy Brilliant Amex
$650/yr · up to 150,000 Marriott Bonvoy points
Read the full review
The Platinum Card from American Express Exclusively for Charles Schwab
$695/yr · Up to 80,000 Membership Rewards points
Editorial take: The Platinum Card from American Express Exclusively for Charles Schwab
The premium Platinum for Schwab brokerage customers. Same lounge access, FHR, and credit suite as the Personal Platinum, but the killer feature is Invest with Rewards at 1.1 cents per point cash-into-brokerage — the highest fixed-value MR redemption in the program. Best for cardholders who don't max out airline transfer partners.
Common questions
- Which card has the bigger sign-up bonus, Marriott Bonvoy Brilliant Amex or The Platinum Card from American Express Exclusively for Charles Schwab?
- The The Platinum Card from American Express Exclusively for Charles Schwab has the bigger bonus, Up to 80,000 Membership Rewards points, worth roughly $1,440, versus up to 150,000 Marriott Bonvoy points (~$1,050) on the Marriott Bonvoy Brilliant Amex.
- Is the Marriott Bonvoy Brilliant Amex's $650 annual fee worth it compared to the The Platinum Card from American Express Exclusively for Charles Schwab?
- Premium cards like the Marriott Bonvoy Brilliant Amex ($650/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $650+ of those credits, the math works. The The Platinum Card from American Express Exclusively for Charles Schwab at $695/yr trades some perks for a lower commitment.
- Can I have both the Marriott Bonvoy Brilliant Amex and The Platinum Card from American Express Exclusively for Charles Schwab?
- Yes, though both are issued by American Express so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Marriott Bonvoy Brilliant Amex or the The Platinum Card from American Express Exclusively for Charles Schwab first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Marriott Bonvoy Brilliant Amex: no published min spend. The Platinum Card from American Express Exclusively for Charles Schwab: $8,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.