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 Spark Cash
Both are well-respected travel cards. The Marriott Bonvoy Brilliant Amex comes from American Express at $650/yr; the Capital One Spark Cash from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
If you're not sure you'll use premium perks, start with the Capital One Spark Cash, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | Marriott Bonvoy Brilliant Amex | Capital One Spark Cash |
|---|---|---|
| Annual fee | $650 | $95 |
| Sign-up bonus | up to 150,000 Marriott Bonvoy points | $1,000 cash bonus |
| Bonus value (est.) | $1,050 | $1,000 |
| Min spend to unlock bonus | - | $10,000 in 3 mo |
| Issuer | American Express | Capital One |
| Card category | hotel | business |
| Best earning category (Marriott) | 6x | 1x |
| 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 Spark Cash
$95/yr · $1,000 cash bonus
Editorial take: Capital One Spark Cash
Common questions
- Which card has the bigger sign-up bonus, Marriott Bonvoy Brilliant Amex or Capital One Spark Cash?
- The Marriott Bonvoy Brilliant Amex has the bigger bonus, up to 150,000 Marriott Bonvoy points, worth roughly $1,050, versus $1,000 cash bonus (~$1,000) on the Capital One Spark Cash.
- Is the Marriott Bonvoy Brilliant Amex's $650 annual fee worth it compared to the Capital One Spark Cash?
- 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 Spark Cash at $95/yr trades some perks for a lower commitment.
- Can I have both the Marriott Bonvoy Brilliant Amex and Capital One Spark Cash?
- 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 Spark Cash first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Marriott Bonvoy Brilliant Amex: no published min spend. Capital One Spark Cash: $10,000 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.