Marriott Bonvoy Boundless Credit Card vs. United Gateway Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Marriott Bonvoy Boundless Credit Card
Chase
United Gateway Card
Chase
Marriott Bonvoy Boundless Credit Card and United Gateway Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Marriott Bonvoy Boundless Credit Card wins on first-year math and earning ceiling; United Gateway Card wins on annual fee and travel insurance.
Pick the Marriott Bonvoy Boundless Credit Card if year-one math is your priority; take the United Gateway Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Marriott Bonvoy Boundless Credit Card
Marriott Bonvoy Boundless Credit Card wins on bonus value minus annual fee.
- Annual fee United Gateway Card
United Gateway Card is $95 cheaper to keep.
- Earning ceiling Marriott Bonvoy Boundless Credit Card
Marriott Bonvoy Boundless Credit Card earns more on its best category (6× vs 5×).
- Travel insurance United Gateway Card
United Gateway Card carries built-in travel insurance.
By the numbers
- Annual fee
- $95
- Free
- Welcome offer (typical value)
- $1,000
- $520
- First-year net
- +$905
- +$520
- Peak earning rate
- 6×
- 5×
- Top categories
- Marriott Hotels, Grocery, Gas
- Airfare, Travel, Gas
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Marriott Bonvoy
- United MileagePlus
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.