Marriott Bonvoy Brilliant vs Platinum (Morgan Stanley)
Marriott Bonvoy Brilliant
$650/yr
6.0/10
VS
Platinum (Morgan Stanley)
$895/yr
5.5/10
Quick Answer
Marriott Bonvoy Brilliant charges $650/yr with 1X base rewards. Platinum (Morgan Stanley) charges $895/yr with 1X base rewards. Marriott Bonvoy Brilliant 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
Marriott Bonvoy Brilliant
Lower annual fee ($650 vs $895)
Rewards Earning
Marriott Bonvoy Brilliant
4 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Platinum (Morgan Stanley)
$1439 in annual credits
Flexibility
Marriott Bonvoy Brilliant
Transferable points to airline/hotel partners
OUR PICK
Marriott Bonvoy Brilliant wins for most people
The $245 fee difference is hard to justify unless you maximize premium benefits.
Apply for Marriott Bonvoy BrilliantPREMIUM PICK
Platinum (Morgan Stanley) wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Platinum (Morgan Stanley)Rewards Earning: Detailed Comparison
Marriott Bonvoy Brilliant
| Marriott Bonvoy hotels | 6.0X |
| US restaurants | 3.0X |
| Flights (direct) | 3.0X |
| Everything else | 2.0X |
Platinum (Morgan Stanley)
| Flights (Amex Travel) | 5.0X |
| Hotels (Amex Travel) | 5.0X |
| Everything else | 1.0X |