United℠ Gateway vs Marriott Bonvoy Boundless®
Side-by-side comparison
| United℠ Gateway | Marriott Bonvoy Boundless® | |
|---|---|---|
| Annual fee | No annual fee | $95 |
| Welcome offer | Up to 40,000 bonus miles | 125,000 points + 1 Free Night Award (up to 50,000 pts) |
| Dining | 1x | 3x |
| Groceries | 1x | 3x |
| Gas | 2x | 3x |
| Travel | 1x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $320 | $671 |
| Points type | Locked to United MileagePlus | Locked to Marriott Bonvoy |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the United℠ Gateway earns about $320 a year in rewards and the Marriott Bonvoy Boundless® about $671, valuing every point at a flat 1 cent. The United℠ Gateway has no annual fee, so its rewards are all profit. The Marriott Bonvoy Boundless® charges $95, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Marriott Bonvoy Boundless® delivers more total value, about $255 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and groceries. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Marriott Bonvoy Boundless® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Marriott Bonvoy Boundless® if your spending leans toward dining, groceries, gas.