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 Sapphire Reserve for Business
Both are well-respected travel cards. The Marriott Bonvoy Brilliant Amex comes from American Express at $650/yr; the Sapphire Reserve for Business from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Sapphire Reserve for Business is the stronger pick today, the sign-up bonus is meaningfully larger ($1,545 more in estimated value) than the Marriott Bonvoy Brilliant Amex's. Get the Sapphire Reserve for Business first; revisit the Marriott Bonvoy Brilliant Amex after you've earned that bonus.
| Feature | Marriott Bonvoy Brilliant Amex | Sapphire Reserve for Business |
|---|---|---|
| Annual fee | $650 | $795 |
| Sign-up bonus | up to 150,000 Marriott Bonvoy points | 150,000 points |
| Bonus value (est.) | $1,050 | $2,595 |
| Min spend to unlock bonus | - | $20,000 in 3 mo |
| Issuer | American Express | Chase |
| Card category | hotel | business |
| Transfer partners | None | chase-ur |
| 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
Sapphire Reserve for Business
$795/yr · 150,000 points
Editorial take: Sapphire Reserve for Business
Common questions
- Which card has the bigger sign-up bonus, Marriott Bonvoy Brilliant Amex or Sapphire Reserve for Business?
- The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, 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 Sapphire Reserve for Business?
- 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 Sapphire Reserve for Business at $795/yr trades some perks for a lower commitment.
- Can I have both the Marriott Bonvoy Brilliant Amex and Sapphire Reserve for Business?
- Yes, since they're from different issuers (American Express and Chase) 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 Sapphire Reserve for Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Marriott Bonvoy Brilliant Amex: no published min spend. Sapphire Reserve for Business: $20,000 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.