Marriott Bonvoy Brilliant: hotel credit changing to $25 monthly dining credit (last day for double-dip)


Reminder 9/21 – Tomorrow the Bonvoy Brilliant’s $300 hotel credit is changing to a $25/month dining credit. Until the changeover happens, new cardholders will still be able to double-dip by using the full hotel credit before 9/22 and then taking advantage of the dining credits after (as Nick details below). But, you must make the hotel charge (and have it post) before 9/22, meaning that today is the last call. Front desk gift cards, anyone?

One of the key benefits of the Marriott Bonvoy Brilliant card (at the time of writing) is a $300 annual statement credit for purchases at Marriott properties. Effective 9/22/22, that $300 Marriott credit (which can currently be used in a lump sum) is being replaced with a monthly $25 credit for dining purchases. Some people may prefer that, though I think this is a disappointing change for Marriott and credit card rewards enthusiasts.

 From premium hotel card to the latest coupon book

The Marriott Bonvoy Brilliant card currently offers up to $300 in statement credits annually for Marriott purchases. That’s a cumulative total which can be used with a single stay/purchase or multiple purchases. The key limitation of the credit is that it has to be used at Marriott hotels and resorts. Of course, those who would consider paying a $450 annual fee for a Marriott credit credit presumably spend more than $300 per year at Marriott properties, so I wouldn’t view that as a limitation but rather a nearly cash-like benefit.

In recent years, Amex has increasingly moved away from one-time lump-sum credits and toward monthly dribs-and-drabs credits. That is no doubt intended both to increase breakage (people forgetting to take advantage of the benefit) and to make it impossible to take advantage of a full year’s benefit without keeping the card for a full year. I understand why a change like this is being rolled out, but I don’t like it. I’d much rather have a credit that can be used in one shot than have to try to remember to use the card once a month for a $25 restaurant charge (and sacrificing some rewards while I’m at it). I regularly spend more than $25 per month at restaurants, I just wouldn’t want to need to track it for the purposes of making sure I triggered the credit. I would much rather be able to spend $300 on a single Marriott stay.

Is the card still worthwhile?

While I don’t have the Bonvoy Brilliant card, I don’t think it is difficult to justify its annual fee. The combination of the $300 annual Marriott credit (at the time of writing) and the 50K free night certificate could easily exceed the value of the annual fee for someone who regularly spends more than $300 per year at Marriott hotels (keep in mind that some people qualify for Ambassador status with more than $20K per year in spend at Marriott properties).

With the change to a dining credit, the extra hassle of being sure to use the credit each month makes it a slightly more questionable value in my opinion. It certainly wouldn’t be impossible to get enough value to justify the fee, it’s just more hassle than I’d prefer on an ultra-premium card. I think this change in the credit makes the Ritz card a clearly superior long-term choice.

Bottom line

The Marriott Bonvoy Brilliant card still comes with an annual $300 credit for purchases at Marriott properties, but starting on 9/22/22 that credit will become up to $25 per month in statement credits for purchases at restaurants worldwide. I believe that if you applied before 9/22/22 you would be able to take advantage of the $300 Marriott credit this year provided you do so before 9/22/22 and then also get a year’s worth of $25 dining credits. While I still don’t love the hassle, that would add a nice little boost on top of the card’s welcome offer and might make it worth considering in the short-term — I just think this card is now harder to justify in the long term.

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Joy Cabeal

Can I still purchase the $300 gift card?

Joy Cabeal

We recently received our Brilliant card.
So confused! There was a 9/22 deadline…what did I miss?


Can someone please confirm if the $25 restaurant credit is available for September or does it start in October?


Thanks Nick I bought a $300 Gift card off the Marriott site and was reimbursed already by AX without having to call. Piece of cake. On a side note I doubt I will renew now that AF is going up to $650.


Suggestions on loadable apps/accounts that will work? Thinking Starbucks and Chikfila so far.

Billy Bob

I just finished up the $300 Marriott property credit in August.
My renewal isn’t until March of 2023.
Can I use the $25 until then? Or does that credit start for me in March (if I were keeping the card)?


I asked directly and the rep told me I would still get the dining credit for September, October and November. (September only gives you 8 days to use it, though.)

Billy Bob

Thanks. Did you also use all of your $300 credit before 22 Sept?


I’m using my new credits until my card year ends, then I’m cancelling the card. No point having a Bonvoy card for a monthly takeaway food order. I have other cards for that, like my Amex Platinum’s monthly Uber Cash credit. For that matter, I earn bonus points on hotel stays paid with my Platinum anyway. Bye bye Bonvoy Brilliant


do you think the $25 will work on uber eats when you utilitze your $15 gold and $25 platinum credits? pay with bonvoy, codes as restaurant? might make it easy to track and use, but agree 100%, i didn’t get this card for dining credits.


I would have been happy with something like a maximum of $100 per Marriott stay up to a $300 total. That would drive stays a little bit. But I don’t have a Marriott card so I can order a monthly pizza, and this change doesn’t do anything to drive hotel stays. I will be downgrading.


I have bought physical gift cards from the Marriot website in the past and had them mailed to me for a small fee ($1.50 I think) which triggered the benefit. Thinking of buying a $300 gift card to be mailed to me, which should trigger the credit and set me up to start using the $25 monthly dining credit after. Anyone else do this?


thinking the same, check out Brant‘s response below posted 5 days ago.


FT forum threads mentioned it worked on egift cards at Marriott site, I followed & got the full credits.


E-gift card purchases triggered the $300 credit for me earlier this month


I am not eligible for the Brilliant signup bonus, but it still seems like a good deal. $450 for a $300 credit, $300 dining credits, 20k MR referral from P2, and then a free night at the end of the year.


Do we know if the monthly dining credit will be afforded billing cycle or calendar month?


The rep told me calendar month. (With a short month in September 2022.)


I called the Ritz Laguna Niguel and they said that they still sell physical gift cards in their on site store. Hoping this will take care of the $300 credit and I can use the card at any Marriott property. Has anyone bought a gift card there?


Be careful because a lot of hotels sell gift cards that can only be used at their property.

Greg The Frequent Miler

You really need to buy them from the front desk to ensure getting credit


I bought $300 e-gift cards from last week and received the credit about a week later.


Would it be worth it to product change from the Bonvoy card to the Brilliant? Would the $300 Marriott credit post right away and would I have to keep the card for a year before downgrading? I too find tracking the monthly dining credits to be a pain. Thanks for any insight anyone can share!

Brad C

Sure, as long you already received Brilliant sign-up bonus it’s worth it. No need to keep the card for a year if no points offered. You can “change your mind” after getting $300 Marriott credit.


Thanks so much for your quick reply!


I chatted with an Amex Rep who insisted that I would be paid out within 6 weeks of any portion of the $300 I had not used. My initial argument was that since my card renewed in May and I had no plans to stay at a Marriott at the moment, I would not get the full $300 in dining credits . He reiterated twice (and I took screenshots) that any portion of the credit not used by 9/22 would be credited as statement credit.


Oh if only we could trust that Amex would stand behind the things their chat reps say…

Heather Eaves

I was told that same thing today as well.


I wonder if Nick would be willing to reach out to Amex to find out if this is true.


For what it’s worth, I was just also told this on the phone (probably slightly more reliable than chat). Still, it would be nice to see it in writing.


Thanks for sharing, that is definitely a good sign. I have heard of couple more people that got the same response by chat.


I was told the other day, when I complained about having unused of the $300 credit, that bc I was a good customer (really?) they offered me 60K Marriott points for $3K spend in 3 months to make up for it. So now I have to spend another $3K, of which they’ll get 2.5-3% (~$75-90), right? I’ve already got another spend I’m trying to make too. I did take it though.

Last edited 2 months ago by 100K

I tried to buy a gift card at a local property and was told they don’t sell them at local properties anymore! Told me to call the customer service number and they could get them to me. Anyone have experience with this method triggering the $300 credit?


I continue to buy Mauna Kea Beach Hotel gift cards from the front desk here in Hawaii. But they are only good at that hotel & their sister hotel, the Westin Hapuna Beach. So what you were told is not true.


It’s weird that Marriott would prefer giving a dining credit than a credit that encourages stays at their properties. This might as well be a doordash branded card. I guess that tells us that the breakage on these monthly credits is absolutely massive. This card was always underwhelming, now even moreso.


What if your card opening date was Sept 1 2018, can you still use it?

Thomas Rossi

Yes! My anniversary date was 8/24 and I prepaid a stay on 8/25 and the credit has already been applied.


Can the $25.00 monthly dining credit be used internationally?

Mary Jane

I’m hoping the new Brilliant card offers a higher points anniversary night. It seems that all the high end properties are just beyond the reach of the current 50,000 anniversary award night.


People say that but then the fee will go up, and it may or may not be more work to maximize the value of that higher FNA. In my case 50k is fairly easy to use. It matches hotels I want. I wish they’d leave everything alone


Tell me where I’m wrong. If I can add $25 per month from the BB to my UberEats wallet, I assume that would qualify. That, added to the $15 I receive from my AMEX Personal Platinum makes $40 per month. Liquor stores are on UberEats and I do pickup to save on fees. $40 worth of alcoholic beverages that will keep for as long as needed sounds ok to me. Sure, it’s a pain in the assets, but at least it won’t be wasted on sub optimal redemptions.

Mat Maliack

Nick – so you think the double dip of $300 credits and $25/month dining credits will work? That in itself will be good return for sign up

Mat Maliack

Do you know if the $300 can be an Marriott gift card instead of a stay (since I probably won’t have a stay in the next 45 days)?


should work if you buy the gift card at a marriott property


Nick, any chance you contacting AMEX to show benefits used for the calendar year or anniversary year. Aspire does that for Airline credit used.


I think the $25 monthly credit will be cumulative for the month like last year. Not too shabby !


I hope that Hilton Aspire is not next


Time to flood AMEX retention department with calls and chats.


I double dipped the $300 credits for one AF and will downgrade the card to the $95 card. My renewal was this week so I used this as the perfect opportunity for retention – nope. Amex dgaf. Downgrade this year and see how difficult a 35k award night is to redeem and if it’s bad dump it next year.


Don’t touch my Ritz card, mr chase!!!


Maybe I’m using my Ritz card wrong / or more likely not using it correctly — where is the value in the card? the 300 airline credit is so hard to use. The club upgrades are hard to use and I get better returns spending on other cards. What am I missing / doing wrong?


Search “flyer talk ritz $300 benefit”. Lots and lots of info there. I never have problems using $300 benefits


I would also prefer the $300 Marriott but as long as I use the restaurant credit, I will keep the card. I have found the easiest way for me to use a monthly restaurant credit is to add the credit card to my Chick-fil-a app and send myself a monthly reminder to add $25 to my account balance.


Can this only be used at restaurants in Marriotts?


Any restaurant


Yeah, I agree with you brother. I don’t like having to remember all of these ridiculous little amounts that I have to spend on a monthly basis. I’m grateful for the credit, but it’s extremely annoying.


Will they apply $25 credit if you charge the total bill on the credit card or do you need to run card twice- $25 and excess amount.


So are we still hoping for platinum status and/or 85k cert as part of a refresh?


While Marriott has been phenomenal at devaluing Bonvoy and showing contempt for involved members, this change makes no sense because it directly disincentivizes cardholders from staying at a Marriott hotel. Isn’t getting cardholders to stay at your hotel chain kind of the most basic premise of having a Marriott co-branded card?


Haha! This comment is great! Exactly how I feel!

Stefan Krasowski (@rapidtravelchai)

Probably was too high of usage, nearly every cardholder likely to spend $300+ on Marriott stays with the card in a year, and not enough breakage for their economics.


Yeah, breakage was less than 100%.

T. Jones

I always found the $300 hotel credit easy to use. Similarly, a $25/month dining credit will be easy for me to use. So the change for me is mostly…meh *shrug*
However, I often found that just having the $300 hotel credit to spend encouraged me to occasionally pay for a little more than I otherwise would have. This simply because the credit was there to help cover the cost. Not strictly logical. Certainly primed the pump for additional spending.
The dining credit will be easier on my occasional poor impulse control, and may actually save me a few bucks here and there instead of overpaying for something I didn’t really need in the first place.
So mostly meh, but probably a little better for me in the long run.


My annual fee just hit and I was considering downgrading to the $95 card,but if I am able to use the $300 Marriott credit and get some of those $25 credits its worth it to keep one more year. Long term I am not interested in remembering to use the $25 monthly.


Why not use the $300 credit relatively early in your cardmember year, then downgrade and get an AF refund for the rest of the year?


Will there be a $25 credit offered for September 2022? (i.e. if we make a restaurant purchase between Sep 23-30)


No. It will be start October 1st for existing card holders.


Looks like our choices are getting limited. I have Aspire, Brilliant and Chase Hyatt card. Hilton has become worthless, no upgrade last few stays, no breakfast credit as a Diamond. Marriott monthly $25, too much to keep up. Oh well, I will milk them as much as I can and re evaluate next Spring when the renewals come up.


I know last year I was able to use the $300 credit towards gift cards purchased on the Marriott site. Is that option still working?


Worked for me very recently.


This card was always garbage. You guys way overvalue FN certs and prepaid credits. Get the SUB, hold a year, then cancel.


I don’t normally stay at Marriott enough for this card to make sense, but I do have a stay planned in early September that could make this an easy small win to get the card for a year. A couple questions:

– The 50k annual free cert is listed as “upon renewal”, so there’s no free cert the first year, right?

– If I book a pre-paid non-refundable rate on the marriott website, will that trigger the credit, or do I need to book a rate where I pay at the front desk?


No cert in the first year. Prepaid rates will trigger the credit.


What’s special about 9/22 ? I understand the monthly credit starts October 1 so no double dip in September ? I guess my wedding anniversary will come one month early this year.
“If a cardmember uses their $300 Marriott Bonvoy statement credit prior to September, they can still earn up to $25 per month in dining credits from October to December 2022.”

Last edited 5 months ago by VIS

I think this might be nothing but Sep 22 is the day when AMEX released a new better bonus for the card. I know this because I missed out on it by a week or so. I guess now I can double dip both the benefits for a year

Last edited 5 months ago by Amexguy

Is it possible to just add $25 to your wallet from UberEats each month? Not 100% sure that adding to your Uber wallet from UE will code as dining, but I’m going to test it unless someone already knows. If you’re getting credits there already from Amex Plat cards, this becomes pretty easy and useful. Don’t think this will work on Grubhub as they use Cashstar, so no adding to your Gold credits.


I suppose this would be a way to easily bank the credit for later, but IMO this would be value destroying if one doesn’t Uber frequently. Better to just store the card in the browser and use it for takeout once a month.


Hey Nick, I totally agree with you here –> “I think this change in the credit makes the Ritz card a clearly superior long-term choice.” Just wish Marriott would let me have both a Ritz Carlton CC and an AMEX Marriott (Brilliant or Business) 🙂

T. Jones

I don’t think there’s anything explicitly preventing someone from holding all those cards, but the SUB… well they won’t let you have more than one of those.


Making a Bonvoy card annoying is pretty “on point” for their brand.

Annoying to remember to use it…
Annoying to tell a waiter “Um, could you please run $25 on this card, and the rest on this other card.”
Annoying to now have to use your cash or another method when you’re used to having a single credit.

Jim Lovejoy

Why do that? Just to get 3 Ultimate Reward points on the balance instead of 3 Marriott points?
I don’t think it’s worth it. By my valuation, I’m losing 45 cents if I pay for a $75 dollar meal with the Brilliant card instead of $25 with the Brilliant and $50 with a Chase Sapphire.
I go to enough restaurants that some of my spend will be at a relatively inexpensive one where 3 Marriott points per $ would be good enough.


when it rains, it pours


Ugh, my honeymoon is in October and we’re staying at some Bonvoy properties on points, so going to have to manufacture a $300 Bonvoy purchase in early Sept. Why can’t the credit apply to Bonvoy hotels or dining, so dumb


Any idea if you can go buy a $25 marriott gift card for those months u dont utilize the credit versus loosing it all together ?


Aahh ok. so it doesnt have to be at a restaurant at Marriott property. its $25 every month at a place that codes as a reataurant, globally ? so includes FX purchases ?


You answered your own question.

Jerry B Udell

Please tell your readers to be careful. The benefits for the Marriott Bonvoy Business card are not the same as the Brilliant card. No $300 hotel credit or $25 food credit with the business card. You guys do amazing work keeping us informed! Thank you


Cracker Barrel sells gift cards and is a restaurant


It could be worse – at least a it’s not a $25 monthly Marriott credit. Ok, so can I still downgrade to the no-AF Amex Marriott card that had the funky art on it?

Last edited 5 months ago by Free3

Along those lines, do you think its worth it to downgrade if you already have the $95 AF card? Generally prefer Hyatt but Marriott does have a couple of properties I like. Is $190 dollars for two 35K (top-offable to 50) worth it?

Glad I got last year’s SUB and am cashing it out this summer. Either way I’ll get rid of the Brilliant.

Last edited 5 months ago by Travelin'Dandy

I picked up this card to use to visit my daughter in college. I could normally get at least 3 stays over a year with the $300 credit and certificate. Not max value but made the card cost free to me. Will be dropping this card at end of the year and switching to either the Hyatt network or Marriott Boundless card. Card no longer has what I need.


Well, that’s a HUGE devaluation. As always, I am so glad that I don’t do business with Marriott.

Jim Lovejoy

If you don’t do business with Marriott it’s no devaluation at all for you.
Before the card was worth nothing to you, now it’s worth somewhat more.
(A free night that you wouldn’t use and a $300 dollar credit for a hotel chain that you wouldn’t stay at would be worth zero.)