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Chase Marriott Bonvoy Boundless vs United Club 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 Club Business Card 1.8% 1.5x base rate
  2. Marriott Bonvoy Boundless 1.5% 2x base rate

Dining

  1. Marriott Bonvoy Boundless 2.3% 3x
  2. United Club Business Card 1.8% 1.5x base rate

Groceries

  1. Marriott Bonvoy Boundless 2.3% 3x
  2. United Club Business Card 1.8% 1.5x base rate

Gas

  1. Marriott Bonvoy Boundless 2.3% 3x
  2. United Club Business Card 1.8% 1.5x base rate

Hotels

  1. Marriott Bonvoy Boundless 4.5% 6x
  2. United Club Business Card 1.8% 1.5x base rate

What the numbers are doing

United Club Business Card tops everything else at 1.8% only because this table values its points at 1.2 cents each. Value them at one cent and Marriott Bonvoy Boundless wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Marriott Bonvoy Boundless $95 and United Club Business Card $695 a year, so a thin lead in one category may not cover the difference.

Where they differ: United Club Business Card takes everything else; Marriott Bonvoy Boundless takes dining, groceries, gas and hotels.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Club Business Card1.8%
DiningMarriott Bonvoy Boundless2.3%
GroceriesMarriott Bonvoy Boundless2.3%
GasMarriott Bonvoy Boundless2.3%
HotelsMarriott Bonvoy Boundless4.5%

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 Club Business Card — 1.8%
  2. Marriott Bonvoy Boundless — 1.5%

Dining

  1. Marriott Bonvoy Boundless — 2.3%
  2. United Club Business Card — 1.8%

Groceries

  1. Marriott Bonvoy Boundless — 2.3%
  2. United Club Business Card — 1.8%

Gas

  1. Marriott Bonvoy Boundless — 2.3%
  2. United Club Business Card — 1.8%

Hotels

  1. Marriott Bonvoy Boundless — 4.5%
  2. United Club Business Card — 1.8%
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