United Explorer vs Marriott Bonvoy Brilliant: Which Is Better In 2025?

Marriott Bonvoy Brilliant® American Express® Breakdown

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Why We Like It

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Here’s a closer look at why the Marriott Bonvoy Brilliant® American Express® Card stands out.

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• Cardholders receive automatic Marriott Bonvoy Platinum Elite status, which unlocks valuable perks like room upgrades and late checkout.
• While it comes with a significant annual fee (See Rates & Fees), it offers a $300 Brilliant Dining Credit, distributed as up to $25 in statement credits each month at restaurants worldwide.
• The annual Free Night Award, redeemable for a stay worth up to 85,000 points, can easily offset the card's annual fee (publisher-formulated estimate).

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Pros

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• Comes with valuable travel protections and airport lounge access through a Priority Pass™ Select membership (enrollment may be required).
• Offers annual statement credits for dining and a property credit for eligible stays at luxury hotels like The Ritz-Carlton or St. Regis.
• Points can be transferred to dozens of airline partners, often with a bonus, adding valuable flexibility to your rewards.

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Cons

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• The card’s high annual fee and Marriott-centric benefits may not be justifiable for travelers who aren't loyal to the brand.
• Redeeming points can be complicated by Marriott’s dynamic pricing system, which can lead to inconsistent value for award nights.
• Key benefits come with limitations; for example, the dining credit is split into monthly increments, and popular perks like room upgrades are subject to availability.

Marriott Bonvoy Brilliant® American Express® vs United Explorer

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Categories

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Deciding which is better, the United Explorer or Marriott Bonvoy Brilliant, comes down to your specific travel habits and brand loyalty.

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• United℠ Explorer Card: This card is best for frequent travelers who regularly fly with United Airlines and want to take advantage of airline-specific perks.
• Marriott Bonvoy Brilliant® American Express® Card: This card is ideal for frequent travelers loyal to Marriott properties who want to enjoy luxury travel perks and elite hotel status benefits.

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Redemption

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United℠ Explorer Card: Points are redeemed through the United MileagePlus program, primarily for award flights on United and its partner airlines. You can also use your miles for seat upgrades, in-flight Wi-Fi, and other travel booked through the United portal.

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Marriott Bonvoy Brilliant® American Express® Card: Points are redeemed within the Marriott Bonvoy program, which is best used for free nights and room upgrades at Marriott properties worldwide. Points can also be transferred to dozens of airline partners or used for exclusive travel packages.

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Travel Perks

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• Lounge Access: The Marriott Bonvoy Brilliant® American Express® Card includes a Priority Pass™ Select membership, which provides access to a global network of airport lounges after enrollment. In contrast, the United℠ Explorer Card offers two one-time United Club℠ passes each account anniversary.
• Foreign Transaction Fees: Neither card charges foreign transaction fees, making both suitable for travelers who frequently go abroad.
• Travel Network: The Marriott Bonvoy Brilliant® card is built around the expansive Marriott Bonvoy hotel portfolio but also offers significant flexibility through point transfers to dozens of airline partners. The United℠ Explorer Card is integrated with the United MileagePlus® program, providing access to award travel across the vast Star Alliance™ airline network.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

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Compare Top Rated Credit Cards with Kudos

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To make the decision even easier, you can use a tool like Kudos to compare thousands of cards based on your unique spending habits.

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• Test drive credit cards: Simulate potential earnings from any card using your real spending data before you apply, with no impact on your credit score.
• Welcome offer guarantee: If you find a better welcome offer within three months of approval, Kudos will match it.
• Approval odds analysis: Get a detailed analysis of your approval chances based on your credit report.
• Kudos Boost: Earn extra rewards on top of your regular credit card points when you shop at participating stores.
• $100 Kudos Kickstart+: Unlock $100 in rewards when you add select approved cards to your Kudos Wallet.

Who Should Choose the United Explorer?

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The United℠ Explorer Card is primarily designed for frequent United Airlines flyers who travel with the airline at least a few times per year. It's also an excellent choice for travelers seeking valuable airline-specific perks, such as a free first checked bag, priority boarding, and two annual United Club℠ passes. Additionally, international travelers benefit from no foreign transaction fees, while others can offset the annual fee by using the statement credit for Global Entry, NEXUS, or TSA PreCheck®.

Who Should Choose the Marriott Bonvoy Brilliant® American Express®?

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The Marriott Bonvoy Brilliant® American Express® Card is tailor-made for frequent travelers who are loyal to the Marriott brand, typically staying at their properties at least 5-10 nights annually. This cardholder is someone who values premium perks, such as automatic Platinum Elite status for room upgrades, and dines out regularly enough to maximize the monthly dining credits. Ultimately, it’s a premium card for travelers deeply invested in the Marriott ecosystem who want to elevate their hotel experiences, as detailed in our full review.

Alternatives to Consider

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If our United Explorer vs. Marriott Bonvoy Brilliant® American Express® comparison has you feeling like neither card is the right fit, don't worry. There are plenty of other excellent travel rewards cards to consider.

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Tips for Application Success

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Before You Apply

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• Check your credit score. You will generally need good to excellent credit to be approved for a premium rewards card.
• Review issuer restrictions. Application rules can affect your eligibility for a welcome offer, especially if you have had cards from the same bank.
• Plan to meet the minimum spend. Make sure you can reach the spending requirement for the welcome offer without changing your normal habits.

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Application Strategy

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• Align the card with your habits - choose a card that matches your loyalty to a specific airline or hotel brand.
• Consider issuer-specific rules - be aware that banks like Chase and American Express have unique policies that can impact eligibility.
• Time your application - apply before a large planned purchase to help meet spending requirements for a welcome offer.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Which card is better for someone who doesn't fly United Airlines often?

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The Marriott Bonvoy Brilliant® American Express® Card would likely be more valuable, as its benefits are centered on Marriott hotel stays and premium travel perks that are not tied to a single airline.

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Can I use points from one card's program for the other?

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While you can transfer Marriott Bonvoy points to United MileagePlus, the transfer is one-way and the conversion rate may not always offer the best value. United miles cannot be transferred to the Marriott Bonvoy program.

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Do both cards offer airport lounge access?

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Yes, but the access provided is different; the United℠ Explorer Card typically offers two one-time passes to the United Club each year, whereas the Marriott Bonvoy Brilliant® American Express® Card includes a Priority Pass Select membership. Terms apply.

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