Compare the Features and Benefits of Southwest Rapid Rewards® Priority Credit Card and
United Club℠ Card

Although the Southwest Priority Card charges the highest annual fee of any of the personal Southwest credit cards, we argue that it should be the go-to card for frequent Southwest flyers. That’s because the perks of this Southwest credit card easily justify the $149 annual fee.

Cardholders get four Upgraded Boardings each year, a $75 Southwest annual travel credit, 7,500 bonus points every cardmember anniversary (worth $105), and 25% back on inflight purchases. If you fly Southwest just a couple of times per year, these perks should easily save more than the $149 annual fee.

In addition to the sign-up bonus, cardholders earn 3x points on Southwest purchases and 2x points on Rapid Rewards hotel and car rental partner purchases, local transit, commuting, and rideshare. In addition to those travel purchases, cardholders also earn 2x points on internet, cable, phone services, and select streaming services. All other purchases earn 1x points.

All points earned count toward earning the Southwest Companion Pass. Plus, cardholders will earn 1,500 Tier Qualifying Points toward A-List and A-List Preferred Status for every $5,000 spent per year and there is no limit on the amount of TQPs you can earn. And you don’t need to worry about foreign transaction fees with the Southwest Priority Card.

The only downside to Southwest Airlines credit cards is that Rapid Rewards points are only valuable for flying Southwest. If you want to earn flexible points, consider a credit card that earns Chase Ultimate Rewards points, such as the Chase Sapphire Preferred Card. Chase Ultimate Rewards points transfer to the Southwest Rapid Rewards program, so you’ll still be able to top off your Rapid Rewards account when you need points for your next redemption, but you can also transfer them to any of Chase’s other airline or hotel transfer partners.

Lastly, this card is great for getting a good chunk of the way 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.

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 $55 by gaining United Club access via this credit card than by buying it directly – before taking into account all the other benefits and statement credits the card comes with. 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 1 PQP for every $15 you spend on purchases with your Club^℠ Card, up to 28,000 PQP in a calendar year. This can be applied toward your Premier® status qualification, up to and including the Premier 1K® level

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 28,000 Premier qualifying points per calendar year (1 PQP for every $15 you spend on purchases)
• 1,500 Card Bonus Premier® qualifying points (PQP) each program year (starting in 2026)
• 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
• Free Instacart membership and up to $240 in Instacart statement credits
• Up to $150 in rideshare credits
• Up to $100 in United travel credits on Avis or Budget car purchases
• Up to $200 in credit on JSX purchases annually
• Up to $200 in credits for Renowned Hotels and Resorts for United® Cardmembers

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.