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

Dining

  1. Marriott Bonvoy Bountiful 3.0% 4x
  2. United Business Card 2.4% 2x

Groceries

  1. Marriott Bonvoy Bountiful 3.0% 4x
  2. United Business Card 1.2% 1x base rate

Gas

  1. United Business Card 2.4% 2x
  2. Marriott Bonvoy Bountiful 1.5% 2x base rate

Public transit

  1. United Business Card 2.4% 2x
  2. Marriott Bonvoy Bountiful 1.5% 2x base rate

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. Marriott Bonvoy Bountiful 1.5% 2x base rate

Tolls

  1. United Business Card 2.4% 2x
  2. Marriott Bonvoy Bountiful 1.5% 2x base rate

What the numbers are doing

United Business 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 Bountiful wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Marriott Bonvoy Bountiful $250 and United Business Card $150 a year, so a thin lead in one category may not cover the difference.

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

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseMarriott Bonvoy Bountiful1.5%
DiningMarriott Bonvoy Bountiful3.0%
GroceriesMarriott Bonvoy Bountiful3.0%
GasUnited Business Card2.4%
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. Marriott Bonvoy Bountiful — 1.5%
  2. United Business Card — 1.2%

Dining

  1. Marriott Bonvoy Bountiful — 3.0%
  2. United Business Card — 2.4%

Groceries

  1. Marriott Bonvoy Bountiful — 3.0%
  2. United Business Card — 1.2%

Gas

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

Public transit

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

Rideshare & taxis

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

Tolls

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