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Compare the Features and Benefits of Marriott Bonvoy Boundless® Credit Card and
United Gateway℠ Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Trip Protections
Secondary Car Rental CDW Waiver
Purchase Protection
Extended Warranty
No Foreign Transaction Fees
Free Access to Credit Score
Grants Hotel Status
Free Annual Hotel Night
Earns Transferable Points
Travel and Emergency Assistance Services
No Fees for Authorized Users
0% Intro APR on Purchases
Concierge Services
Annual Fee
$95
Avg. Min. Credit Score
740-850 *
APR on purchases
-
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
6x Hotels

Earn 6X when you book Marriott Bonvoy properties direct. Earn 2X on all other hotel bookings.

3x Gas Stations
3x Dining Out / Food Delivery
3x Groceries
2x Everything Else
Avg. Point Value
(Learn More)
$0.006
Bonus Offer
Earn 3 Free Nights (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.85) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

Marriott Bonvoy offers co-branded credit cards from two major issuers: American Express and Chase. With so many options to choose from, it can be hard to narrow down the right Marriott credit card for you. If you’re interested in a Marriott Bonvoy credit card but don’t necessarily want to pony up a huge annual fee, the Marriott Bonvoy Boundless Credit Card could be the perfect fit. This card provides an excellent introduction into earning a ton of Marriott points, from the welcome bonus earned upon account opening to the everyday rewards rate.

You’ll not only earn 6x points (up to 17X total Bonvoy points per dollar spent when including your Bonvoy program earnings) on eligible hotels participating in Marriott Bonvoy, but the Bonvoy Boundless credit card is a solid match for everyday purchases. Cardholders can earn 3x points per dollar on up to the first $6,000 spent in combined purchases at grocery stores, gas stations and dining. By maxing out that limit, you would earn 18,000 Marriott Bonvoy points alone from everyday spend! Not to mention, you’ll still earn 2x points per dollar on all non-bonus category purchases.

Once you rack up a sizable sum of Marriott Bonvoy points, you can redeem them at participating Marriott Bonvoy hotels, where the 5th night is always free on awards, adding to the value.

With 8,500 properties and counting, you can find a Marriott Bonvoy hotel at virtually every corner of the world. It’s easy to search for properties through Marriott’s website, then press “use points/certificates” to see the award rate for your desired travel dates.

Another huge perk to discuss is the card’s free night award. You’ll receive the annual free night certificate every account anniversary year, and the free night valued at up to 35,000 points can be a huge money-saver every year – especially since you can add on up to 15,000 points from your account if the room you want is between 35,000 and 50,000 points. As we value Marriott Bonvoy points at 0.6 cents apiece, this translates into roughly $210 in value — which is more than double the value of the $95 annual fee!

There are even more benefits once you get to participating Marriott hotels thanks to the card’s automatic elite status perks. You’ll be bumped up from your Marriott Bonvoy member account to Silver elite status with the automatic 15 elite night credits, and this level offers 10% bonus Marriott Bonvoy points (as reflected in the card’s rewards rate) and priority late check-out. You can easily bypass the ranks to earn Gold elite status by spending at least $35,000 on the card every year (although, at that point, you’d probably be better off with the premium Bonvoy Brilliant card which grants automatic Platinum status – admittedly for a high annual fee. This level can be particularly rewarding, thanks to enhanced room upgrades upon availability, 2 p.m. late checkout (based on availability), and 25% bonus points on eligible Marriott stays.

Bonvoy Boundless credit card

Last but not least, the Marriott Bonvoy Boundless credit card isn’t just a great pick for your hotel stays. When traveling, you’ll be covered with a plethora of protections, including trip delay reimbursement, lost luggage reimbursement, and secondary rental car coverage. Finally, some important purchase coverages that are standard with Chase are included, including purchase protection and extended warranty.

In summary, the Marriott Bonvoy Boundless credit card is a popular pick for the $95 annual fee. It’s easy for cardholders to justify paying this cost every year thanks to the free night award, and that’s before you consider all of the other benefits on the card.

However, if you’re interested in a higher elite status level, a free night valued up to 85,000 points per night, and the possibility to earn Marriott Bonvoy points faster, you may want to consider other Marriott Bonvoy credit cards like the Marriott Bonvoy Brilliant™ American Express® Card.

Read more
Unique Card Benefits
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Purchase Protection
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes
Grants Hotel Status
yes
Free Annual Hotel Night
yes
Earns Transferable Points
yes
Travel and Emergency Assistance Services
yes
No Fees for Authorized Users
yes
0% Intro APR on Purchases
no
Concierge Services
no
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 21.99%-28.99% thereafter)
Ongoing APR
21.99%-28.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
2x Airfare

Applies only to United purchases. Otherwise, earn 1X

2x Transit
2x Gas Stations
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.75) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The United Gateway card does a solid job of providing enough benefits to make you wonder if it will be sufficient, vs investing $95 or more on one of the other Chase United credit cards since this is the only one with no annual fee.

The answer will depend on you.

If you fly several times a year and check a bag each time, then you’ll come out ahead paying the $95 annual fee on the United℠ Explorer Card since you’ll get free checked bags (one for you and a companion on the same itinerary) every time you pay with your card on a domestic flight. You also won’t get priority boarding with the Gateway card.

However, if you are on “Team Carry-On Only,” then this card provides many of the same benefits, including the benefit that gives you access to expanded Saver economy coach availability just like a United Silver Premier member. However, unlike all of the other United cards, you won’t be entitled to upgrades on award tickets.

Additionally, you won’t have any opportunities to earn PQPs from spending on this card whereas all the other United cards do offer that benefit.

Lastly, you might do better with a card like the Chase Sapphire Preferred® Card if you aren’t using the checked bag benefit or the expanded award availability benefit. That’s because you’ll have more opportunities to earn points from spend on the Sapphire Preferred, and while you can transfer those points right over to United, you can also take advantage of all of the other Chase Ultimate Rewards airline and hotel transfer partners.

united-gateway-card

In the end, it depends on you if this is a good card for you, or if another similar card might be better.

Read more
Unique Card Benefits
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Purchase Protection
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes
Grants Hotel Status
no
Free Annual Hotel Night
no
Earns Transferable Points
no
Travel and Emergency Assistance Services
no
No Fees for Authorized Users
no
0% Intro APR on Purchases
yes
Concierge Services
yes

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