Is the United Quest Card worth the higher annual fee?

The United Quest Card costs $300/yr vs $0/yr for the Marriott Bonvoy Bold Credit Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Marriott Bonvoy Bold Credit Card or United Quest Card?

The Marriott Bonvoy Bold Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

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?

Choose the Marriott Bonvoy Bold Credit Card if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Is the United Quest Card worth the higher annual fee?

The United Quest Card costs $300/yr vs $0/yr for the Marriott Bonvoy Bold Credit Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Marriott Bonvoy Bold Credit Card or United Quest Card?

The Marriott Bonvoy Bold Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

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?

Choose the Marriott Bonvoy Bold Credit Card if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Is the United Quest Card worth the higher annual fee?

The United Quest Card costs $300/yr vs $0/yr for the Marriott Bonvoy Bold Credit Card. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Marriott Bonvoy Bold Credit Card or United Quest Card?

The Marriott Bonvoy Bold Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

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?

Choose the Marriott Bonvoy Bold Credit Card if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.

Marriott Bonvoy Bold Credit Card vs United Quest Card

The Marriott Bonvoy Bold Credit Card ($0/yr) is better for everyday value, while the United Quest Card ($300/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Marriott Bonvoy Bold Credit Card

Chase

United Quest Card

Chase

Fees & Welcome Offer

Annual Fee

$300

Welcome Bonus

2 Hotel

80,000 Airline

Earn Rates

Category	Marriott Bonvoy Bold Credit Card	United Quest Card
Marriott Hotels	14X	1X

Category-by-Category Winner

Both cards win in 5 categories each — it comes down to which categories matter most to you.

Marriott Hotels

Marriott Bonvoy Bold Credit Card earns 14X vs 1X

Grocery Stores

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Streaming Internet Cable Phone

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Rideshare

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Food Delivery

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

United Purchases

United Quest Card earns 3X vs 1X

United Airlines

United Quest Card earns 3X vs 1X

Dining

United Quest Card earns 2X vs 1X

Streaming

United Quest Card earns 2X vs 1X

The Bottom Line

The Marriott Bonvoy Bold Credit Card has a lower annual fee ($0 vs $300), making it the more accessible option.

The United Quest Card justifies its higher fee with premium perks like travel credits.

Choose the Marriott Bonvoy Bold Credit Card if you want solid rewards with a lower cost of entry. Choose the United Quest Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the United Quest Card worth the higher annual fee?: The United Quest Card costs $300/yr vs $0/yr for the Marriott Bonvoy Bold Credit Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Marriott Bonvoy Bold Credit Card or United Quest Card?: The Marriott Bonvoy Bold Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
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?: Choose the Marriott Bonvoy Bold Credit Card if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Marriott Bonvoy Bold Bank Of America Customized Cash vs Marriott Bonvoy Bold Bank Of America Unlimited Cash vs Marriott Bonvoy Bold Bilt Blue vs Marriott Bonvoy Bold

Explore More

Marriott Bonvoy Bold Credit Card — Full Review All Chase Cards

United Quest Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Marriott Bonvoy Bold Credit Card vs United Quest Card

Marriott Bonvoy Bold Credit Card

Chase

United Quest Card

Chase

Fees & Welcome Offer

Annual Fee

$300

Welcome Bonus

2 Hotel

80,000 Airline

Earn Rates

Category	Marriott Bonvoy Bold Credit Card	United Quest Card
Marriott Hotels	14X	1X

Category-by-Category Winner

Both cards win in 5 categories each — it comes down to which categories matter most to you.

Marriott Hotels

Marriott Bonvoy Bold Credit Card earns 14X vs 1X

Grocery Stores

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Streaming Internet Cable Phone

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Rideshare

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Food Delivery

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

United Purchases

United Quest Card earns 3X vs 1X

United Airlines

United Quest Card earns 3X vs 1X

Dining

United Quest Card earns 2X vs 1X

Streaming

United Quest Card earns 2X vs 1X

The Bottom Line

The Marriott Bonvoy Bold Credit Card has a lower annual fee ($0 vs $300), making it the more accessible option.

The United Quest Card justifies its higher fee with premium perks like travel credits.

Choose the Marriott Bonvoy Bold Credit Card if you want solid rewards with a lower cost of entry. Choose the United Quest Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the United Quest Card worth the higher annual fee?: The United Quest Card costs $300/yr vs $0/yr for the Marriott Bonvoy Bold Credit Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Marriott Bonvoy Bold Credit Card or United Quest Card?: The Marriott Bonvoy Bold Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
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?: Choose the Marriott Bonvoy Bold Credit Card if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Marriott Bonvoy Bold Bank Of America Customized Cash vs Marriott Bonvoy Bold Bank Of America Unlimited Cash vs Marriott Bonvoy Bold Bilt Blue vs Marriott Bonvoy Bold

Explore More

Marriott Bonvoy Bold Credit Card — Full Review All Chase Cards

United Quest Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Marriott Bonvoy Bold Credit Card vs United Quest Card

Marriott Bonvoy Bold Credit Card

Chase

United Quest Card

Chase

Fees & Welcome Offer

Annual Fee

$300

Welcome Bonus

2 Hotel

80,000 Airline

Earn Rates

Category	Marriott Bonvoy Bold Credit Card	United Quest Card
Marriott Hotels	14X	1X

Category-by-Category Winner

Both cards win in 5 categories each — it comes down to which categories matter most to you.

Marriott Hotels

Marriott Bonvoy Bold Credit Card earns 14X vs 1X

Grocery Stores

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Streaming Internet Cable Phone

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Rideshare

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Food Delivery

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

United Purchases

United Quest Card earns 3X vs 1X

United Airlines

United Quest Card earns 3X vs 1X

Dining

United Quest Card earns 2X vs 1X

Streaming

United Quest Card earns 2X vs 1X

The Bottom Line

The Marriott Bonvoy Bold Credit Card has a lower annual fee ($0 vs $300), making it the more accessible option.

The United Quest Card justifies its higher fee with premium perks like travel credits.

Choose the Marriott Bonvoy Bold Credit Card if you want solid rewards with a lower cost of entry. Choose the United Quest Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the United Quest Card worth the higher annual fee?: The United Quest Card costs $300/yr vs $0/yr for the Marriott Bonvoy Bold Credit Card. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Marriott Bonvoy Bold Credit Card or United Quest Card?: The Marriott Bonvoy Bold Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
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?: Choose the Marriott Bonvoy Bold Credit Card if you want lower fees and solid rewards. Pick the United Quest Card if you spend enough to justify the $300/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Marriott Bonvoy Bold Bank Of America Customized Cash vs Marriott Bonvoy Bold Bank Of America Unlimited Cash vs Marriott Bonvoy Bold Bilt Blue vs Marriott Bonvoy Bold

Explore More

Marriott Bonvoy Bold Credit Card — Full Review All Chase Cards

United Quest Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Benefits & Features

Network

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

✓Free checked bags

Pros & Cons

Pros

+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)

+Two free checked bags for cardholder plus companion (up to $360 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

−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

−$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

Travel

United Quest Card earns 2X vs 1X

Is the Fee Difference Worth It?

The United Quest Card costs $300/yr — that's $300 more than the Marriott Bonvoy Bold Credit Card (no annual fee). To justify that gap, you need to extract at least $300 in annual value from the card's higher earn rates and benefits.

The United Quest Card offers travel credits, free checked bags. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $300 gap is significant. Choose the United Quest Card only if you spend heavily on united purchases and united airlines and will use its premium benefits regularly — otherwise the Marriott Bonvoy Bold Credit Card delivers strong value at a fraction of the cost.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Marriott Bonvoy Bold Credit Card means losing:

-Annual travel credit
-Travel insurance
-Free checked bags

Which Card Is Right for You?

Get the Marriott Bonvoy Bold Credit Card if you:

+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment

Get the United Quest Card if you:

+Spend $300+/month on restaurants and dining out
+Travel enough to fully use annual credits and premium perks

Benefits & Features

Network

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

✓Free checked bags

Pros & Cons

Pros

+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)

+Two free checked bags for cardholder plus companion (up to $360 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

−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

−$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

Travel

United Quest Card earns 2X vs 1X

Is the Fee Difference Worth It?

The United Quest Card offers travel credits, free checked bags. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Marriott Bonvoy Bold Credit Card means losing:

-Annual travel credit
-Travel insurance
-Free checked bags

Which Card Is Right for You?

Get the Marriott Bonvoy Bold Credit Card if you:

+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment

Get the United Quest Card if you:

+Spend $300+/month on restaurants and dining out
+Travel enough to fully use annual credits and premium perks

Benefits & Features

Network

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

✓Free checked bags

Pros & Cons

Pros

+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)

+Two free checked bags for cardholder plus companion (up to $360 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

−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

−$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

Travel

United Quest Card earns 2X vs 1X

Is the Fee Difference Worth It?

The United Quest Card offers travel credits, free checked bags. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Marriott Bonvoy Bold Credit Card means losing:

-Annual travel credit
-Travel insurance
-Free checked bags

Which Card Is Right for You?

Get the Marriott Bonvoy Bold Credit Card if you:

+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment

Get the United Quest Card if you:

+Spend $300+/month on restaurants and dining out
+Travel enough to fully use annual credits and premium perks