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.
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Side-by-side
Marriott Bonvoy Brilliant Amex vs Capital One Savor
Both are well-respected travel cards. The Marriott Bonvoy Brilliant Amex comes from American Express at $650/yr; the Capital One Savor from Capital One at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Marriott Bonvoy Brilliant Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($800 more in estimated value) than the Capital One Savor's. Get the Marriott Bonvoy Brilliant Amex first; revisit the Capital One Savor after you've earned that bonus.
| Feature | Marriott Bonvoy Brilliant Amex | Capital One Savor |
|---|---|---|
| Annual fee | $650 | $0 |
| Sign-up bonus | up to 150,000 Marriott Bonvoy points | $250 cash back |
| Bonus value (est.) | $1,050 | $250 |
| Min spend to unlock bonus | - | $500 in 3 mo |
| Issuer | American Express | Capital One |
| Card category | hotel | cashback |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Marriott Bonvoy Brilliant Amex
$650/yr · up to 150,000 Marriott Bonvoy points
Read the full review
Capital One Savor
$0/yr · $250 cash back
Editorial take: Capital One Savor
If you care about dining and groceries, this is one of the best no-fee cards available. 3% on four of your biggest categories with zero annual cost is hard to beat.
Common questions
- Which card has the bigger sign-up bonus, Marriott Bonvoy Brilliant Amex or Capital One Savor?
- The Marriott Bonvoy Brilliant Amex has the bigger bonus, up to 150,000 Marriott Bonvoy points, worth roughly $1,050, versus $250 cash back (~$250) on the Capital One Savor.
- Is the Marriott Bonvoy Brilliant Amex's $650 annual fee worth it compared to the Capital One Savor?
- 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 Capital One Savor at $0/yr trades some perks for a lower commitment.
- Can I have both the Marriott Bonvoy Brilliant Amex and Capital One Savor?
- Yes, since they're from different issuers (American Express and Capital One) the application rules don't conflict. 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 Capital One Savor first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Marriott Bonvoy Brilliant Amex: no published min spend. Capital One Savor: $500 in 3 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.