pointslip milestomorrow.com

Chase Marriott Bonvoy Bold vs United Business Card

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. United Business Card 1.2% 1x base rate
  2. Marriott Bonvoy Bold 0.8% 1x base rate

Dining

  1. United Business Card 2.4% 2x
  2. Marriott Bonvoy Bold 0.8% 1x base rate

Groceries

  1. Marriott Bonvoy Bold 1.5% 2x
  2. United Business Card 1.2% 1x base rate

Gas

  1. United Business Card 2.4% 2x
  2. Marriott Bonvoy Bold 0.8% 1x base rate

Phone & internet

  1. Marriott Bonvoy Bold 1.5% 2x
  2. United Business Card 1.2% 1x base rate

Public transit

  1. United Business Card 2.4% 2x
  2. Marriott Bonvoy Bold 0.8% 1x base rate

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. Marriott Bonvoy Bold 1.5% 2x

Tolls

  1. United Business Card 2.4% 2x
  2. Marriott Bonvoy Bold 0.8% 1x base rate

What the numbers are doing

United Business Card tops everything else at 1.2% only because this table values its points at 1.2 cents each. Value them at one cent and Marriott Bonvoy Bold wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Marriott Bonvoy Bold $0 and United Business Card $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: United Business Card takes everything else, dining, gas and public transit, plus 2 more; Marriott Bonvoy Bold takes groceries and phone & internet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Business Card1.2%
DiningUnited Business Card2.4%
GroceriesMarriott Bonvoy Bold1.5%
GasUnited Business Card2.4%
Phone & internetMarriott Bonvoy Bold1.5%
Public transitUnited Business Card2.4%
Rideshare & taxisUnited Business Card2.4%
TollsUnited Business Card2.4%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. United Business Card — 1.2%
  2. Marriott Bonvoy Bold — 0.8%

Dining

  1. United Business Card — 2.4%
  2. Marriott Bonvoy Bold — 0.8%

Groceries

  1. Marriott Bonvoy Bold — 1.5%
  2. United Business Card — 1.2%

Gas

  1. United Business Card — 2.4%
  2. Marriott Bonvoy Bold — 0.8%

Phone & internet

  1. Marriott Bonvoy Bold — 1.5%
  2. United Business Card — 1.2%

Public transit

  1. United Business Card — 2.4%
  2. Marriott Bonvoy Bold — 0.8%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. Marriott Bonvoy Bold — 1.5%

Tolls

  1. United Business Card — 2.4%
  2. Marriott Bonvoy Bold — 0.8%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.