Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
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 September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Marriott Bonvoy Bold Credit Card | United Quest Card |
|---|---|---|
| Cable Tv | 2X | 1X |
| Dining | 1X |
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)
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.
Published annual fees: Marriott Bonvoy Bold Credit Card $0/yr, United Quest Card $350/yr — a $350 difference before welcome offers and credits.
| 2X |
| Food Delivery | 2X | 1X |
| Grocery Stores | 2X | 1X |
| Ridesharing | 2X | 1X |
| Streaming | 2X | 2X |
| Telecom | 2X | 1X |
| Travel | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
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): $23 − Annual fee ($0) Ongoing: $120 Year one: $435 | Rewards: $180 Credits (our usable estimate): $397 − Annual fee ($350) Ongoing: $227 Year one: $947 | Close — depends on how much of the credits you use | United Quest Card |
| Heavy spender: $4,000/month | Rewards: $386 Credits (our usable estimate): $23 − Annual fee ($0) Ongoing: $409 Year one: $724 | Rewards: $720 Credits (our usable estimate): $397 − Annual fee ($350) Ongoing: $767 Year one: $1,487 | United Quest Card | United Quest Card |
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.
Choosing one card means missing out on these benefits from the other.
Choosing Marriott Bonvoy Bold Credit Card means losing:
Get the Marriott Bonvoy Bold Credit Card if you:
Get the United Quest Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
