Marriott Bonvoy Bold Credit Card vs United Quest Card
Annual fees: Marriott Bonvoy Bold Credit Card $0/yr, United Quest Card $350/yr. Strongest bonus categories: Marriott Bonvoy Bold Credit Card on grocery stores, United Quest Card on hotels.
Card data as of November 13, 2026.
Marriott Bonvoy Bold Credit CardChase · No annual fee
United Quest CardChase · $350/yr
Overview
- Annual fee
- Marriott Bonvoy Bold Credit Card$0LowestUnited Quest Card$350
- Welcome offerCurrent public offer
- Marriott Bonvoy Bold Credit Card45,000 pointsUnited Quest CardUp to 90,000 miles
- Rewards
- Marriott Bonvoy Bold Credit CardMarriott BonvoyUnited Quest CardUnited MileagePlus
- Foreign transaction fee
- Marriott Bonvoy Bold Credit CardNoneUnited Quest CardNone
- Network
- Marriott Bonvoy Bold Credit CardVisa SignatureUnited Quest CardVisa Signature
Earn ratesPer $1 spent
- Cable TV
- Marriott Bonvoy Bold Credit Card2xHighestUnited Quest Card1x
- Dining
- Marriott Bonvoy Bold Credit Card1xUnited Quest Card2xHighest
- Food Delivery
- Marriott Bonvoy Bold Credit Card2xHighestUnited Quest Card1x
- Grocery Stores
- Marriott Bonvoy Bold Credit Card2xHighestUnited Quest Card1x
- Ridesharing
- Marriott Bonvoy Bold Credit Card2xHighestUnited Quest Card1x
- Streaming
- Marriott Bonvoy Bold Credit Card2xUnited Quest Card2x
- Telecom
- Marriott Bonvoy Bold Credit Card2xHighestUnited Quest Card1x
- Travel
- Marriott Bonvoy Bold Credit Card1xUnited Quest Card2xHighest
- Everything else
- Marriott Bonvoy Bold Credit Card1xUnited Quest Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Marriott Bonvoy Bold Credit Card—United Quest Card
- $200 United travel
- $150 Renowned Hotels
- $80 Avis/Budget travel
- $120 Global Entry/TSA PreCheck/NEXUS
- 25% United inflight
- $150/yr JSX credit
- Rideshare & transit
- Marriott Bonvoy Bold Credit Card—United Quest Card
- $100/yr rideshare · $8 monthly
- Dining & delivery
- Marriott Bonvoy Bold Credit Card
- DoorDash DashPass
United Quest Card- $15/mo Instacart+ · $15 monthly
- 3 months Instacart+
Perks & access— means none on record
- Hotel status & programs
- Marriott Bonvoy Bold Credit Card
- Automatic Marriott Bonvoy Silver Elite Status
- 5 Elite Night Credits annually
United Quest Card— - Airline perks
- Marriott Bonvoy Bold Credit Card—United Quest Card
- Annual 10,000-mile award flight discount
- Free first and second checked bags for you plus companion
- 2 Economy Plus upgrades after $40K annual spend
- Priority boarding on all United flights
- Other perks
- Marriott Bonvoy Bold Credit Card
- 24/7 Visa Signature Concierge service
United Quest Card- No foreign transaction fees
- Premier upgrades on award tickets
- Earn 10,000-mile award discount after $20K annual spend
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Marriott Bonvoy Bold Credit Card
- $500 trip delay reimbursement
United Quest Card- Trip cancellation coverage up to $6,000 per trip
- Trip delay coverage up to $500 per person after 12 hours
- Baggage
- Marriott Bonvoy Bold Credit Card
- Up to $3,000 lost luggage coverage per trip
- Up to $100 a day for baggage delays over 6 hours · up to $500
United Quest Card- Baggage delay coverage up to $100/day for 3 days
- Lost luggage coverage up to $3,000 per person
- Rental car
- Marriott Bonvoy Bold Credit Card
- Auto rental coverage up to $60,000
United Quest Card- Primary rental car insurance up to $60,000
- Purchase & returns
- Marriott Bonvoy Bold Credit Card
- Purchase protection for new items · up to $500
United Quest Card- Purchase protection up to $10,000 per item for 120 days
- Extended warranty
- Marriott Bonvoy Bold Credit Card
- Extended warranty protection for eligible purchases · up to $1
United Quest Card- Extended warranty adds 1 year to manufacturer warranty
- Other protections
- Marriott Bonvoy Bold Credit Card
- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
United Quest Card—
Pros & cons
- Pros
- Marriott Bonvoy Bold Credit Card
- No annual fee makes it risk-free to hold long-term
- Automatic Silver Elite status with 10% bonus on stays and priority late checkout
- 5 Elite Night Credits annually toward status qualification
- No foreign transaction fees
- 2x earning on everyday categories (groceries, streaming, rideshare, food delivery)
United Quest Card- Two free checked bags for cardholder plus companion (up to $440 per roundtrip)
- $200 annual TravelBank credit effectively reduces fee to $150
- $180/year in Instacart credits ($15/month through 2027)
- 10,000-mile award discount annually plus another 10K after $20K spend
- Earns 1 PQP per $20 spent (up to 18,000 PQP/year) plus 1,000 bonus PQPs
- Cons
- Marriott Bonvoy Bold Credit Card
- Only Silver Elite status (Gold and Platinum provide much better benefits)
- Low 1x earning on non-bonus purchases
- Only 5 Elite Night Credits vs 15-25 on premium cards
- No free night award benefit
- No lounge access or premium travel perks
United Quest Card- $350 annual fee is substantial without lounge access
- TravelBank credits only work on United/United Express flights
- PQP earning cap of 18,000 limits status acceleration potential
- 2x on non-United travel is lower than some competitors
- Instacart credits expire December 2027
Expert Analysis
The Marriott Bonvoy Bold Credit Card and United Quest Card represent two different tiers within the same card family. The core question is whether the premium card's benefits justify the higher annual fee — and the answer depends on your spending habits and travel frequency.
The Marriott Bonvoy Bold Credit Card's strongest category is Marriott Hotels at 14X, while the United Quest Card leads with 3X on United Purchases. Neither card dominates across the board — so the better choice depends on where you spend the most.
At $0/yr vs $300/yr, the Marriott Bonvoy Bold Credit Card is the more accessible option. The United Quest Card needs to deliver at least $300 in annual value through its premium benefits to justify the gap. It offers free checked bags, which can cover that gap for active users.
Key Differences
- Marriott Bonvoy Bold Credit Card earns 14X on Marriott Hotels vs 1X for the other
- Marriott Bonvoy Bold Credit Card earns 2X on Grocery Stores vs 1X for the other
- Marriott Bonvoy Bold Credit Card earns 2X on Streaming Internet Cable Phone vs 1X for the other
- The Marriott Bonvoy Bold Credit Card costs $0/yr vs $300/yr — a $300 annual gap
- Only the United Quest Card offers free checked bags
Spending Scenarios
Which card wins in real-world spending situations?
$200/month on marriott hotels
Marriott Bonvoy Bold Credit CardMarriott Bonvoy Bold Credit Card earns 14X vs 1X. Over a year, that's 33,600 vs 2,400 points — a 31,200-point advantage.
$600/month on grocery stores
Marriott Bonvoy Bold Credit CardMarriott Bonvoy Bold Credit Card earns 2X vs 1X. Over a year, that's 14,400 vs 7,200 points — a 7,200-point advantage.
$200/month on united purchases
United Quest CardUnited Quest Card earns 3X vs 1X. Over a year, that's 7,200 vs 2,400 points — a 4,800-point advantage.
$200/month on united airlines
United Quest CardUnited Quest Card earns 3X vs 1X. Over a year, that's 7,200 vs 2,400 points — a 4,800-point advantage.
Mixed everyday spending, 2 trips/year
Marriott Bonvoy Bold Credit CardWithout heavy spending in the United Quest Card's premium categories, the $300 fee difference is hard to recover. The Marriott Bonvoy Bold Credit Card delivers better overall value for moderate spenders.
Who Should Get Which?
Get the Marriott Bonvoy Bold Credit Card if:
The Marriott Bonvoy Bold Credit Card is ideal for cardholders who prioritize spending heavily on marriott hotels and grocery stores and keeping annual costs low. At $0/yr, it delivers strong no-fee value for its target audience.
Get the United Quest Card if:
The United Quest Card is ideal for cardholders who prioritize spending heavily on united purchases and united airlines and maximizing premium card benefits. At $300/yr, it delivers solid return on the annual fee investment for its target audience.
Upgrade & Downgrade Path
Many cardholders start with the Marriott Bonvoy Bold Credit Card and upgrade to the United Quest Card as their united purchases spending increases. You can often hold both cards simultaneously to maximize earn rates across all categories.
If you're considering downgrading from the United Quest Card, tally up how much value you actually extract from its united purchases earn rates and benefits each year. If you're consistently leaving credits unused, the Marriott Bonvoy Bold Credit Card likely delivers better value per dollar of annual fee.
Category-by-Category Winner
The Marriott Bonvoy Bold Credit Card wins in 5 of 7 categories. The United Quest Card leads in 2. 1 more category depend on booking channel or caps.
Grocery Stores
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Telecom
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Cable TV
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Ridesharing
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Food Delivery
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Dining
United Quest Card earns 2X vs 1X
Travel
United Quest Card earns 2X vs 1X
Hotels
Depends: via Chase Travel
United Quest Card earns 5X when conditions are met; Marriott Bonvoy Bold Credit Card earns 1X (1X without restrictions)
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Marriott Bonvoy Bold Credit Card | United Quest Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $97 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $97 Year one: $412 | Rewards: $180 Credits (our usable estimate): $437 − Annual fee ($350) Ongoing: $267 Year one: $1,227 | Close — depends on how much of the credits you use | United Quest Card |
| Heavy spender: $4,000/month | Rewards: $386 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $386 Year one: $701 | Rewards: $720 Credits (our usable estimate): $437 − Annual fee ($350) Ongoing: $807 Year one: $1,767 | United Quest Card | United Quest Card |
Is the Fee Difference Worth It?
The United Quest Card costs $350/yr — that's $350 more than the Marriott Bonvoy Bold Credit Card (no annual fee). To justify that gap, you need to extract at least $350 in annual value from the card's higher earn rates and benefits.
The United Quest Card includes travel credits, Global Entry/TSA PreCheck credit, free checked bags. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $350 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $350 fee gap means the United Quest Card needs roughly $350 more in annual rewards (or credits you will use) to break even on hotels and dining and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Marriott Bonvoy Bold Credit Card means losing:
- -Free checked bags
- -Global Entry credit
Which Card Is Right for You?
Get the Marriott Bonvoy Bold Credit Card if you:
- +Do most of your spending at grocery stores
Get the United Quest Card if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
Published annual fees: Marriott Bonvoy Bold Credit Card $0/yr, United Quest Card $350/yr — a $350 difference before welcome offers and credits.
Frequently Asked Questions
- Is the United Quest Card worth the higher annual fee?
- The United Quest Card costs $350/yr vs $0/yr for the Marriott Bonvoy Bold Credit Card. Compare the year-one vs ongoing value table on this page — the $350 gap must be offset by higher earn rates, welcome offers, or credits you will use (the United Quest Card also lists travel credits).
- Which card earns more rewards, the Marriott Bonvoy Bold Credit Card or United Quest Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Marriott Bonvoy Bold Credit Card have that the United Quest Card doesn't?
- The Marriott Bonvoy Bold Credit Card focuses on earn rates, while the United Quest Card offers travel credits.
- Should I get the Marriott Bonvoy Bold Credit Card or the United Quest Card?
- Use the spend scenarios on this page: the Marriott Bonvoy Bold Credit Card has a lower $0/yr fee; the United Quest Card must earn enough extra (or offer a larger welcome bonus) to justify $350/yr.
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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.