Southwest Rapid Rewards Premier Credit Card vs. United Gateway Card
On the criteria below, United Gateway Card wins 3 of 3. The verdict depends on which criteria matter to you.
Southwest Rapid Rewards Premier Credit Card
Chase
United Gateway Card
Chase
United Gateway Card wins 3 of 3 criteria here, making it the stronger all-rounder.
United Gateway Card leads on first-year math, annual fee, and earning ceiling, while Southwest Rapid Rewards Premier Credit Card only ties the rest.
Pick the United Gateway Card if year-one math is your priority; take the United Gateway Card if you want a cheaper card to keep long-term.
Who wins what
0 vs 3- First-year math United Gateway Card
United Gateway Card wins on bonus value minus annual fee.
- Annual fee United Gateway Card
United Gateway Card is $149 cheaper to keep.
- Earning ceiling United Gateway Card
United Gateway Card earns more on its best category (5× vs 3×).
By the numbers
- Annual fee
- $149
- Free
- Welcome offer (typical value)
- —
- $520
- First-year net
- $-149
- +$520
- Peak earning rate
- 3×
- 5×
- Top categories
- Airfare, Groceries, Dining
- Airfare, Travel, Gas
- 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.