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Chase Marriott Bonvoy Boundless vs United Explorer 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. Marriott Bonvoy Boundless 1.5% 2x base rate
  2. United Explorer Card 1.2% 1x base rate

Dining

  1. United Explorer Card 2.4% 2x
  2. Marriott Bonvoy Boundless 2.3% 3x

Groceries

  1. Marriott Bonvoy Boundless 2.3% 3x
  2. United Explorer Card 1.2% 1x base rate

Gas

  1. Marriott Bonvoy Boundless 2.3% 3x
  2. United Explorer Card 1.2% 1x base rate

Flights

  1. United Explorer Card 3.6% 3x
  2. Marriott Bonvoy Boundless 1.5% 2x base rate

Hotels

  1. Marriott Bonvoy Boundless 4.5% 6x
  2. United Explorer Card 2.4% 2x

What the numbers are doing

United Explorer Card tops dining at 2.4% 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 Explorer Card $150 a year, so a thin lead in one category may not cover the difference.

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

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseMarriott Bonvoy Boundless1.5%
DiningUnited Explorer Card2.4%
GroceriesMarriott Bonvoy Boundless2.3%
GasMarriott Bonvoy Boundless2.3%
FlightsUnited Explorer Card3.6%
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. Marriott Bonvoy Boundless — 1.5%
  2. United Explorer Card — 1.2%

Dining

  1. United Explorer Card — 2.4%
  2. Marriott Bonvoy Boundless — 2.3%

Groceries

  1. Marriott Bonvoy Boundless — 2.3%
  2. United Explorer Card — 1.2%

Gas

  1. Marriott Bonvoy Boundless — 2.3%
  2. United Explorer Card — 1.2%

Flights

  1. United Explorer Card — 3.6%
  2. Marriott Bonvoy Boundless — 1.5%

Hotels

  1. Marriott Bonvoy Boundless — 4.5%
  2. United Explorer Card — 2.4%
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