Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: Southwest Rapid Rewards Priority Credit Card $229/yr, United Club Infinite Card $695/yr. Strongest bonus categories: Southwest Rapid Rewards Priority Credit Card on telecom, United Club Infinite Card on hotels.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Southwest Rapid Rewards Priority Credit Card | United Club Infinite Card |
|---|---|---|
| Cable Tv | 2X | 1X |
| Dining |
Both cards win in 4 categories each — it comes down to which categories matter most to you.
Telecom
Southwest Rapid Rewards Priority Credit Card earns 2X vs 1X
Cable Tv
Southwest Rapid Rewards Priority Credit Card earns 2X vs 1X
Utilities
Southwest Rapid Rewards Priority Credit Card earns 2X vs 1X
Gas Stations
Southwest Rapid Rewards Priority Credit Card earns 2X vs 1X
Hotels
United Club Infinite Card earns 5X vs 1X
5X via issuer travel portal
Travel
United Club Infinite Card earns 2X vs 1X
Ridesharing
United Club Infinite Card earns 2X vs 1X
Transit
United Club Infinite Card earns 2X vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Close — depends on how much of the credits you use
Published annual fees: Southwest Rapid Rewards Priority Credit Card $229/yr, United Club Infinite Card $695/yr — a $466 difference before welcome offers and credits.
| 2X |
| 2X |
| Gas Stations | 2X | 1X |
| Hotels | 1X | 2X |
| Ridesharing | 1X | 2X |
| Telecom | 2X | 1X |
| Transit | 1X | 2X |
| Travel | 1X | 2X |
| Utilities | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Close — depends on how much of the credits you use
| Scenario | Southwest Rapid Rewards Priority Credit Card | United Club Infinite Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $188 Credits (our usable estimate): $23 − Annual fee ($229) Ongoing: -$19 Year one: $732 | Rewards: $180 Credits (our usable estimate): $488 − Annual fee ($695) Ongoing: -$27 Year one: $933 | Close — depends on how much of the credits you use | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $750 Credits (our usable estimate): $23 − Annual fee ($229) Ongoing: $544 Year one: $1,294 | Rewards: $720 Credits (our usable estimate): $488 − Annual fee ($695) Ongoing: $513 Year one: $1,473 | Close — depends on how much of the credits you use | Close — depends on how much of the credits you use |
The United Club Infinite Card costs $695/yr — that's $466 more than the Southwest Rapid Rewards Priority Credit Card ($229/yr). To justify that gap, you need to extract at least $466 in annual value from the card's higher earn rates and benefits.
The United Club Infinite Card includes travel credits, lounge access, Global Entry/TSA PreCheck credit, free checked bags. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $466 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $466 fee gap means the United Club Infinite Card needs roughly $466 more in annual rewards (or credits you will use) to break even on hotels and travel and everyday spend.
Choosing one card means missing out on these benefits from the other.
Choosing Southwest Rapid Rewards Priority Credit Card means losing:
Get the United Club Infinite Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
