Lowes vs Marriott Bonvoy Brilliant
Lowes
$0/yr
7.0/10
VS
Marriott Bonvoy Brilliant
$650/yr
6.0/10
Quick Answer
Lowes charges no annual fee with 1X base rewards. Marriott Bonvoy Brilliant charges $650/yr with 1X base rewards. Lowes offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Lowes
Lower annual fee ($0 vs $650)
Rewards Earning
Marriott Bonvoy Brilliant
4 earning categories
Benefits & Protection
Lowes
0 benefits vs 0
Statement Credits
Marriott Bonvoy Brilliant
$400 in annual credits
Flexibility
Marriott Bonvoy Brilliant
Transferable points to airline/hotel partners
OUR PICK
Lowes wins for most people
The $650 fee difference is hard to justify unless you maximize premium benefits.
Apply for LowesPREMIUM 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
Lowes
| Lowe's purchases | 5.0X |
| Everything else | 1.0X |
Marriott Bonvoy Brilliant
| Marriott Bonvoy hotels | 6.0X |
| US restaurants | 3.0X |
| Flights (direct) | 3.0X |
| Everything else | 2.0X |