Question 1

Which is better, American Express Marriott Bonvoy Brilliant or Bank of America Premium Rewards Elite?

Accepted Answer

The Bank of America Premium Rewards Elite is better with -$70 net annual value compared to the American Express Marriott Bonvoy Brilliant at -$320. The Bank of America Premium Rewards Elite wins by $250/year.

Question 2

What's the difference between American Express Marriott Bonvoy Brilliant and Bank of America Premium Rewards Elite?

Accepted Answer

The key differences: American Express Marriott Bonvoy Brilliant has a $650 annual fee and $480 in annual benefits, while Bank of America Premium Rewards Elite has a $550 annual fee and $330 in annual benefits. The annual fee difference is $100.

Question 3

Which has a lower annual fee, American Express Marriott Bonvoy Brilliant or Bank of America Premium Rewards Elite?

Accepted Answer

The Bank of America Premium Rewards Elite has a lower annual fee at $550 compared to the American Express Marriott Bonvoy Brilliant at $650. However, the American Express Marriott Bonvoy Brilliant offers $330 in total annual benefits.

Question 4

Is the Bank of America Premium Rewards Elite worth it compared to the American Express Marriott Bonvoy Brilliant?

Accepted Answer

Yes, the Bank of America Premium Rewards Elite offers better value with -$70 net annual value compared to -$320 for the American Express Marriott Bonvoy Brilliant. It also has a lower annual fee.

Question 5

Amex vs Bank of America: which issuer is better?

Accepted Answer

For these specific cards, Bank of America's Bank of America Premium Rewards Elite offers better value with -$70 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Question 6

Which card is better for travel?

Accepted Answer

The Bank of America Premium Rewards Elite is better for travel with $330 in annual travel benefits compared to $0 for the American Express Marriott Bonvoy Brilliant.

Question 7

Should I get the Bank of America Premium Rewards Elite?

Accepted Answer

If you're deciding between the American Express Marriott Bonvoy Brilliant and Bank of America Premium Rewards Elite, the Bank of America Premium Rewards Elite is the better choice with -$70 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.

CATEGORY	MARRIOTT BONVOY BRILLIANT	BANK OF AMERICA PREMIUM REWARDS ELITE
🌎Travel	—	$330
🍽️Food & Dining	$300	—
Hotel Free Night Certificates	Marriott 85k Free Night	—
Total credits	$330	$480
Annual fee	$650	$550
Net value	-$320	-$70

American Express Marriott Bonvoy Brilliant or Bank of America Premium Rewards Elite?

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