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 PenFed Platinum Rewards Visa Signature Card
Both are well-respected travel cards. The Marriott Bonvoy Brilliant Amex comes from American Express at $650/yr; the PenFed Platinum Rewards Visa Signature Card from PenFed 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 ($922 more in estimated value) than the PenFed Platinum Rewards Visa Signature Card's. Get the Marriott Bonvoy Brilliant Amex first; revisit the PenFed Platinum Rewards Visa Signature Card after you've earned that bonus.
| Feature | Marriott Bonvoy Brilliant Amex | PenFed Platinum Rewards Visa Signature Card |
|---|---|---|
| Annual fee | $650 | $0 |
| Sign-up bonus | up to 150,000 Marriott Bonvoy points | 15,000 bonus points after $1,500 spend in 90 days |
| Bonus value (est.) | $1,050 | $128 |
| Min spend to unlock bonus | - | $1,500 in 3 mo |
| Issuer | American Express | PenFed |
| 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
PenFed Platinum Rewards Visa Signature Card
$0/yr · 15,000 bonus points after $1,500 spend in 90 days
Editorial take: PenFed Platinum Rewards Visa Signature Card
Common questions
- Which card has the bigger sign-up bonus, Marriott Bonvoy Brilliant Amex or PenFed Platinum Rewards Visa Signature Card?
- The Marriott Bonvoy Brilliant Amex has the bigger bonus, up to 150,000 Marriott Bonvoy points, worth roughly $1,050, versus 15,000 bonus points after $1,500 spend in 90 days (~$128) on the PenFed Platinum Rewards Visa Signature Card.
- Is the Marriott Bonvoy Brilliant Amex's $650 annual fee worth it compared to the PenFed Platinum Rewards Visa Signature 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 PenFed Platinum Rewards Visa Signature Card at $0/yr trades some perks for a lower commitment.
- Can I have both the Marriott Bonvoy Brilliant Amex and PenFed Platinum Rewards Visa Signature Card?
- Yes, since they're from different issuers (American Express and PenFed) 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 PenFed Platinum Rewards Visa Signature Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Marriott Bonvoy Brilliant Amex: no published min spend. PenFed Platinum Rewards Visa Signature Card: $1,500 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.