Marriott Bonvoy Bold® vs United Club℠ Business Card
Side-by-side comparison
| Marriott Bonvoy Bold® | United Club℠ Business Card | |
|---|---|---|
| Annual fee | No annual fee | $695 |
| Welcome offer | 110,000 miles | |
| Advertising | 2% | 1.5% |
| Shipping | 2% | 1.5% |
| Office supplies | 2% | 1.5% |
| Phone & internet | 2% | 1.5% |
| Travel | 2% | 2% |
| Everything else | 2% | 1.5% |
| Est. yearly rewards* | $948 | $699 |
| Points type | Locked to Marriott Bonvoy | Locked to United MileagePlus |
| 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 business spending, the Marriott Bonvoy Bold® earns about $948 a year in rewards and the United Club℠ Business Card about $699, valuing every point at a flat 1 cent. The Marriott Bonvoy Bold® has no annual fee, so its rewards are all profit. The United Club℠ Business Card charges $695, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Marriott Bonvoy Bold® delivers more total value, about $944 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. 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 United Club℠ Business Card currently has the larger welcome offer. Note that Marriott Bonvoy Bold® is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Marriott Bonvoy Bold® if your spending leans toward advertising, shipping, office supplies.