Marriott Bonvoy Brilliant vs Sapphire Reserve Business
Marriott Bonvoy Brilliant
$650/yr
6.0/10
VS
Sapphire Reserve Business
$795/yr
5.5/10
Quick Answer
Marriott Bonvoy Brilliant charges $650/yr with 1X base rewards. Sapphire Reserve Business charges $795/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 $795)
Rewards Earning
Sapphire Reserve Business
5 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Sapphire Reserve Business
$450 in annual credits
Flexibility
Marriott Bonvoy Brilliant
Transferable points to airline/hotel partners
OUR PICK
Marriott Bonvoy Brilliant wins for most people
The $145 fee difference is hard to justify unless you maximize premium benefits.
Apply for Marriott Bonvoy BrilliantPREMIUM PICK
Sapphire Reserve Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Sapphire Reserve BusinessRewards Earning: Detailed Comparison
Marriott Bonvoy Brilliant
| Marriott Bonvoy hotels | 6.0X |
| US restaurants | 3.0X |
| Flights (direct) | 3.0X |
| Everything else | 2.0X |
Sapphire Reserve Business
| Hotels & car rentals (Chase Travel) | 10.0X |
| Flights (Chase Travel) | 5.0X |
| Dining | 4.0X |
| All other travel | 3.0X |
| Everything else | 1.0X |