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Chase Marriott Bonvoy Boundless vs United Gateway 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 Gateway Card 1.2% 1x base rate

Dining

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

Groceries

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

Gas

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

Hotels

  1. Marriott Bonvoy Boundless 4.5% 6x
  2. United Gateway Card 1.2% 1x base rate

Public transit

  1. United Gateway Card 2.4% 2x
  2. Marriott Bonvoy Boundless 1.5% 2x base rate

Rideshare & taxis

  1. United Gateway Card 2.4% 2x
  2. Marriott Bonvoy Boundless 1.5% 2x base rate

Tolls

  1. United Gateway Card 2.4% 2x
  2. Marriott Bonvoy Boundless 1.5% 2x base rate

What the numbers are doing

United Gateway Card tops gas 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 Gateway Card $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Marriott Bonvoy Boundless takes everything else, dining, groceries and hotels; United Gateway Card takes gas, public transit, rideshare & taxis and tolls.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseMarriott Bonvoy Boundless1.5%
DiningMarriott Bonvoy Boundless2.3%
GroceriesMarriott Bonvoy Boundless2.3%
GasUnited Gateway Card2.4%
HotelsMarriott Bonvoy Boundless4.5%
Public transitUnited Gateway Card2.4%
Rideshare & taxisUnited Gateway Card2.4%
TollsUnited Gateway 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. Marriott Bonvoy Boundless — 1.5%
  2. United Gateway Card — 1.2%

Dining

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

Groceries

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

Gas

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

Hotels

  1. Marriott Bonvoy Boundless — 4.5%
  2. United Gateway Card — 1.2%

Public transit

  1. United Gateway Card — 2.4%
  2. Marriott Bonvoy Boundless — 1.5%

Rideshare & taxis

  1. United Gateway Card — 2.4%
  2. Marriott Bonvoy Boundless — 1.5%

Tolls

  1. United Gateway Card — 2.4%
  2. Marriott Bonvoy Boundless — 1.5%
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