Southwest Rapid Rewards Plus Credit Card vs. United Quest Card
On the criteria below, United Quest Card wins 2 of 3. The verdict depends on which criteria matter to you.
Southwest Rapid Rewards Plus Credit Card
Chase
United Quest Card
Chase
United Quest Card wins 2 of 3 criteria here, making it the stronger all-rounder.
Southwest Rapid Rewards Plus Credit Card wins on annual fee; United Quest Card wins on first-year math and earning ceiling.
Pick the United Quest Card if year-one math is your priority; take the Southwest Rapid Rewards Plus Credit Card if you want a cheaper card to keep long-term.
Who wins what
1 vs 2- First-year math United Quest Card
United Quest Card wins on bonus value minus annual fee.
- Annual fee Southwest Rapid Rewards Plus Credit Card
Southwest Rapid Rewards Plus Credit Card is $251 cheaper to keep.
- Earning ceiling United Quest Card
United Quest Card earns more on its best category (10× vs 2×).
By the numbers
- Annual fee
- $99
- $350
- Welcome offer (typical value)
- —
- $910
- First-year net
- $-99
- +$560
- Peak earning rate
- 2×
- 10×
- Top categories
- Airfare, Gas, Groceries
- Airfare, Travel, Hotels Resorts
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Southwest Rapid Rewards
- United MileagePlus
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.