Blue Cash Preferred (Morgan Stanley) vs Marriott Bonvoy Brilliant
Blue Cash Preferred (Morgan Stanley)
$95/yr
6.5/10
VS
Marriott Bonvoy Brilliant
$650/yr
6.0/10
Quick Answer
Blue Cash Preferred (Morgan Stanley) charges $95/yr with 1X base rewards. Marriott Bonvoy Brilliant charges $650/yr with 1X base rewards. Blue Cash Preferred (Morgan Stanley) offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Blue Cash Preferred (Morgan Stanley) →
PointsPick may earn a commission. Disclosure
Apply for Marriott Bonvoy Brilliant →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Blue Cash Preferred (Morgan Stanley)
Lower annual fee ($95 vs $650)
Rewards Earning
Blue Cash Preferred (Morgan Stanley)
5 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Marriott Bonvoy Brilliant
$400 in annual credits
Flexibility
Marriott Bonvoy Brilliant
Transferable points to airline/hotel partners
OUR PICK
Blue Cash Preferred (Morgan Stanley) wins for most people
The $555 fee difference is hard to justify unless you maximize premium benefits.
Apply for Blue Cash Preferred (Morgan Stanley)PREMIUM PICK
Marriott Bonvoy Brilliant wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Marriott Bonvoy BrilliantRewards Earning: Detailed Comparison
Blue Cash Preferred (Morgan Stanley)
| US supermarkets | 6.0X (up to $6,000) |
| Streaming services | 6.0X |
| Transit | 3.0X |
| US gas stations | 3.0X (up to $6,000) |
| Everything else | 1.0X |
Marriott Bonvoy Brilliant
| Marriott Bonvoy hotels | 6.0X |
| US restaurants | 3.0X |
| Flights (direct) | 3.0X |
| Everything else | 2.0X |