Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

American Express Marriott Bonvoy Brilliant Capital One Venture Rewards

American Express Marriott Bonvoy Brilliant

$650/yr

Marriott Bonvoy Brilliant
Venture Rewards

Capital One Venture Rewards

$95/yr

Every $1 · two cards

American Express Marriott Bonvoy Brilliant earns more in 0 of 9 categories · Capital One Venture Rewards in 8

  • Dining
    3×2.25¢ per $1
    2×3.6¢ per $1
  • Groceries
    2×1.5¢ per $1
    2×3.6¢ per $1
  • Gas
    2×1.5¢ per $1
    2×3.6¢ per $1
  • Flights
    3×2.25¢ per $1
    2×3.6¢ per $1
  • Hotels
    2×1.5¢ per $1
    5×9¢ per $1

    via Capital One Travel

  • Everything else
    2×1.5¢ per $1
    2×3.6¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Capital One Venture RewardsBigger welcome offer: Capital One Venture Rewards

American Express

Marriott Bonvoy Brilliant

Annual fee
$650
Network
amex
Welcome value
$800
Min spend
$6,000 / 6mo

Top earning rates

  • 6×Hotels participating in Marriott Bonvoy® · Marriott Bonvoy
  • 3×Restaurants worldwide · Marriott Bonvoy
  • 3×Flights booked directly with airlines · Marriott Bonvoy
  • 2×All other eligible purchases · Marriott Bonvoy

Key benefits

  • Free Night Award · $715
  • American Express Venue Collection · $250
  • Fee Credit for Global Entry or TSA PreCheck® · $120
  • $100 Marriott Bonvoy Property Credit · $100
  • Brilliant Dining Credit · $25
Full American Express Marriott Bonvoy Brilliant review

Capital One

Venture Rewards

Annual fee
$95
Network
visa
Welcome value
$1,050
Min spend
$4,000 / 3mo

Top earning rates

  • 5×Hotels, vacation rentals, and rental cars · Capital One Miles
  • 5×Capital One Entertainment purchases · Capital One Miles
  • 2×Every purchase · Capital One Miles

Key benefits

  • Global Entry or TSA PreCheck credit · $120
  • $50 Lifestyle Collection experience credit · $50
  • Capital One Offers · $0
  • Capital One Entertainment access · $0
  • No Foreign Transaction Fees · $0
Full Capital One Venture Rewards review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer