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VS

Compare the Features and Benefits of Southwest® Rapid Rewards® Performance Business Credit Card and
United Club℠ Infinite Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Primary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Annual Statement Credits
Extended Warranty
Purchase Protection
Trip Protections
Free Checked Bags
No Foreign Transaction Fees
No Fees for Authorized Users
Roadside Assistance
Travel and Emergency Assistance Services
Does Not Report Credit Line to Personal Credit Profile
Airport Lounge Access
Grants Hotel Status
Grants Car Rental Status
Return Protection
Priority Boarding
Concierge Services
Free Access to Credit Score
Metal Card
Annual Fee
$199
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Best Multiplier
4x Airfare

Applies only to Southwest Airlines booked directly with Southwest; Otherwise earn 1X

2x Cable / Internet / VOIP Phone
2x Cellular Phone Service
1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer
Get 80,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Southwest Rapid Rewards Performance Business Credit Card should be the go-to card for Southwest frequent travelers that own a small business. Don’t let the $199 annual fee scare you off. This card comes packed with perks that can easily justify that fee.

Southwest-specific perks include four Upgraded Boardings each year, virtually unlimited inflight WiFi passes, and the ability to spend toward A-List status. Plus cardholders get premium travel perks like a Global Entry or TSA PreCheck application fee statement credit.

Cardholders earn 4x Rapid Rewards points on Southwest Airlines purchases. That’s a higher rewards earning rate on Southwest purchases than you’ll find on any other Southwest credit card. Plus you’ll earn 3x points on Rapid Rewards hotel and car rental partners.

However, this card doesn’t just reward travel purchases. Cardholders earn 2x Southwest Rapid Rewards points on a wide range of purchases, including social media and search engine advertising; internet, cable, and phone services; transit and commuting, including ride-hailing services. Earn points on all other purchases at a rate of 1 Rapid Rewards point per dollar spent.

Enjoy Upgraded Boardings, free WiFi, and more on Southwest Airlines through the Southest Performance Business Card

Cardholders will earn 1,500 tier qualifying points toward A-List status for every $10,000 spent on purchases annually. While you probably don’t want to put that much spending on the card, you can conceivably spend all the way to A-List Preferred status by spending $470,000 on the card in a calendar year.

The only real downside to this card is the limited redemption options. The best way to redeem Rapid Rewards points is for Southwest flights. And since the Rapid Rewards structure is a fixed-value program, you won’t get more value from some flights than others. The good news is that means there are no blackout dates when you want to redeem points.

You can add employee cards for no additional cost, meaning you can be rewarded for employee spending. The card also offers up to a $500 statement credit for points transfers. That means you can transfer points to employees without additional cost.

Lastly, this card is great for getting more than halfway to a Southwest Companion Pass with the bonus offer. Read our guide on earning a Southwest Companion Pass for up to two years via new account bonuses.

Read more
Unique Card Benefits
yes
Primary Car Rental CDW Waiver
yes
Global Entry / TSA PreCheck Reimbursement
yes
Annual Statement Credits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Free Checked Bags
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Airport Lounge Access
no
Grants Hotel Status
no
Grants Car Rental Status
no
Return Protection
no
Priority Boarding
no
Concierge Services
no
Free Access to Credit Score
no
Metal Card
no
Annual Fee
$525
Avg. Min. Credit Score
800-850 *
Ongoing APR
21.99%-28.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
4x Airfare
2x Dining Out / Food Delivery
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 80,000 United MileagePlus Miles after you spend $5,000 on qualifying purchases in the first three months of opening an account. Offer ends January 24, 2024.  
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The United Club Infinite Card is a surprisingly robust offering from United Airlines and Chase.

The primary reason to get this card is because you fly United enough that you would like to have United Club lounge access for all of your flights.

The average person will save $125 by gaining United Club access via this credit card than by buying it directly. Even United 1K members come out $25 ahead. Why would anyone buy United Club access directly when it’s cheaper to pay a lower annual fee on the credit card?

By the way, the exact same thing applies to the Citi® / AAdvantage® Executive World Elite MasterCard® and as well as the Delta SkyMiles® Reserve American Express Card and the Delta SkyMiles® Reserve Business American Express Credit Card. The Delta cards even offer American Express Centurion Lounge access when flying Delta, although they also have a limit on lounge visits per year.

You also have the ability to earn the most Premier Qualifying Points towards United elite status of any of the United credit cards. You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases.

Now, sure, outside of 4X miles per dollar spent on United purchases, the earn rate on other categories aren’t particularly strong. But the card’s features and benefits that we’ve described above that come on top of the United Club lounge access are incredibly compelling.

To recap, those benefits include:

  • United Club lounge access

  • First and second free checked bags

  • Receive 25% Back on United inflight and Club Premium Drink Purchases

  • Earn up to 10,000 Premier Qualifying Points (PQP) (You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases.)

  • 10% Saver Award Flight Discount

  • Expanded Award Availability

  • Premier Upgrades on Award Tickets

  • Premier Access including priority check in and priority boarding

  • Return Protection for Items a Store Won’t Take Back + Extended Warranty and Purchase Protection

  • Access to The Luxury Hotel & Resort Collection

  • Primary Car Rental CDW Insurance

  • Global Entry / TSA PreCheck / NEXUS Reimbursement as a Statement Credit

  • IHG Platinum Status

  • Top Tier Avis President’s Club status

lounge-access-united-club-credit-card

That’s not all of the card features, but it sure is enough to see that the value you are getting for that annual fee is pretty amazing.

Read more
Unique Card Benefits
yes
Primary Car Rental CDW Waiver
yes
Global Entry / TSA PreCheck Reimbursement
yes
Annual Statement Credits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Free Checked Bags
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Roadside Assistance
no
Travel and Emergency Assistance Services
no
Does Not Report Credit Line to Personal Credit Profile
no
Airport Lounge Access
yes
Grants Hotel Status
yes
Grants Car Rental Status
yes
Return Protection
yes
Priority Boarding
yes
Concierge Services
yes
Free Access to Credit Score
yes
Metal Card
yes

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