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 United Gateway Card
Both are well-respected travel cards. The Marriott Bonvoy Brilliant Amex comes from American Express at $650/yr; the United Gateway Card from Chase 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 ($660 more in estimated value) than the United Gateway Card's. Get the Marriott Bonvoy Brilliant Amex first; revisit the United Gateway Card after you've earned that bonus.
| Feature | Marriott Bonvoy Brilliant Amex | United Gateway Card |
|---|---|---|
| Annual fee | $650 | $0 |
| Sign-up bonus | up to 150,000 Marriott Bonvoy points | 30,000 miles |
| Bonus value (est.) | $1,050 | $390 |
| Min spend to unlock bonus | - | $1,000 in 3 mo |
| Issuer | American Express | Chase |
| Card category | hotel | travel |
| 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
United Gateway Card
$0/yr · 30,000 miles
Editorial take: United Gateway Card
The no-fee United card. Doesn't include free bags (that starts with the Explorer), so it's really only worth it for credit-building purposes.
Common questions
- Which card has the bigger sign-up bonus, Marriott Bonvoy Brilliant Amex or United Gateway Card?
- The Marriott Bonvoy Brilliant Amex has the bigger bonus, up to 150,000 Marriott Bonvoy points, worth roughly $1,050, versus 30,000 miles (~$390) on the United Gateway Card.
- Is the Marriott Bonvoy Brilliant Amex's $650 annual fee worth it compared to the United Gateway Card?
- 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 United Gateway Card at $0/yr trades some perks for a lower commitment.
- Can I have both the Marriott Bonvoy Brilliant Amex and United Gateway Card?
- 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 United Gateway Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Marriott Bonvoy Brilliant Amex: no published min spend. United Gateway Card: $1,000 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.