Is the United Club Infinite Card worth the higher annual fee?

The United Club Infinite Card costs $695/yr vs $229/yr for the Southwest Rapid Rewards Priority Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

What benefits does the Southwest Rapid Rewards Priority Credit Card have that the United Club Infinite Card doesn't?

The Southwest Rapid Rewards Priority Credit Card focuses on earn rates, while the United Club Infinite Card offers lounge access, travel credits.

Should I get the Southwest Rapid Rewards Priority Credit Card or the United Club Infinite Card?

Choose the Southwest Rapid Rewards Priority Credit Card if you want lower fees and solid rewards. Pick the United Club Infinite Card if you spend enough to justify the $695/yr fee through its premium benefits and higher earn rates.

Is the United Club Infinite Card worth the higher annual fee?

The United Club Infinite Card costs $695/yr vs $229/yr for the Southwest Rapid Rewards Priority Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

What benefits does the Southwest Rapid Rewards Priority Credit Card have that the United Club Infinite Card doesn't?

The Southwest Rapid Rewards Priority Credit Card focuses on earn rates, while the United Club Infinite Card offers lounge access, travel credits.

Should I get the Southwest Rapid Rewards Priority Credit Card or the United Club Infinite Card?

Choose the Southwest Rapid Rewards Priority Credit Card if you want lower fees and solid rewards. Pick the United Club Infinite Card if you spend enough to justify the $695/yr fee through its premium benefits and higher earn rates.

Is the United Club Infinite Card worth the higher annual fee?

The United Club Infinite Card costs $695/yr vs $229/yr for the Southwest Rapid Rewards Priority Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

What benefits does the Southwest Rapid Rewards Priority Credit Card have that the United Club Infinite Card doesn't?

The Southwest Rapid Rewards Priority Credit Card focuses on earn rates, while the United Club Infinite Card offers lounge access, travel credits.

Should I get the Southwest Rapid Rewards Priority Credit Card or the United Club Infinite Card?

Choose the Southwest Rapid Rewards Priority Credit Card if you want lower fees and solid rewards. Pick the United Club Infinite Card if you spend enough to justify the $695/yr fee through its premium benefits and higher earn rates.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.

Southwest Rapid Rewards Priority Credit Card vs United Club Infinite Card

The Southwest Rapid Rewards Priority Credit Card ($229/yr) is better for everyday value, while the United Club Infinite Card ($695/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Southwest Rapid Rewards Priority Credit Card

Chase

United Club Infinite Card

Chase

Fees & Welcome Offer

Annual Fee

$229

$695

Welcome Bonus

50,000 Airline

90,000 Airline

Earn Rates

Category	Southwest Rapid Rewards Priority Credit Card	United Club Infinite Card
United Airlines	1X

Category-by-Category Winner

The United Club Infinite Card wins in 7 of 11 categories. The Southwest Rapid Rewards Priority Credit Card leads in 4.

Southwest Purchases

Southwest Rapid Rewards Priority Credit Card earns 3X vs 1X

Rapid Rewards Partners

Southwest Rapid Rewards Priority Credit Card earns 2X vs 1X

Internet Cable Phone

Southwest Rapid Rewards Priority Credit Card earns 2X vs 1X

Gas Stations

Southwest Rapid Rewards Priority Credit Card earns 2X vs 1X

United Purchases

United Club Infinite Card earns 4X vs 1X

United Airlines

United Club Infinite Card earns 4X vs 1X

Travel

United Club Infinite Card earns 2X vs 1X

Hotels

United Club Infinite Card earns 2X vs 1X

Ridesharing

The Bottom Line

The Southwest Rapid Rewards Priority Credit Card has a lower annual fee ($229 vs $695), making it the more accessible option.

The United Club Infinite Card justifies its higher fee with premium perks like lounge access and travel credits.

Choose the Southwest Rapid Rewards Priority Credit Card if you want solid rewards with a lower cost of entry. Choose the United Club Infinite Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the United Club Infinite Card worth the higher annual fee?: The United Club Infinite Card costs $695/yr vs $229/yr for the Southwest Rapid Rewards Priority Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Southwest Rapid Rewards Priority Credit Card or United Club Infinite Card?: The Southwest Rapid Rewards Priority Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Southwest Rapid Rewards Priority Credit Card have that the United Club Infinite Card doesn't?: The Southwest Rapid Rewards Priority Credit Card focuses on earn rates, while the United Club Infinite Card offers lounge access, travel credits.
Should I get the Southwest Rapid Rewards Priority Credit Card or the United Club Infinite Card?: Choose the Southwest Rapid Rewards Priority Credit Card if you want lower fees and solid rewards. Pick the United Club Infinite Card if you spend enough to justify the $695/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Chase Freedom Unlimited vs Southwest Rapid Rewards Priority Delta Skymiles Gold vs Southwest Rapid Rewards Priority Delta Skymiles Platinum vs Southwest Rapid Rewards Priority Delta Skymiles Reserve vs United Club Infinite

Explore More

Southwest Rapid Rewards Priority Credit Card — Full Review All Chase Cards

United Club Infinite Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Southwest Rapid Rewards Priority Credit Card vs United Club Infinite Card

Southwest Rapid Rewards Priority Credit Card

Chase

United Club Infinite Card

Chase

Fees & Welcome Offer

Annual Fee

$229

$695

Welcome Bonus

50,000 Airline

90,000 Airline

Earn Rates

Category	Southwest Rapid Rewards Priority Credit Card	United Club Infinite Card
United Airlines	1X

Category-by-Category Winner

The United Club Infinite Card wins in 7 of 11 categories. The Southwest Rapid Rewards Priority Credit Card leads in 4.

Southwest Purchases

Southwest Rapid Rewards Priority Credit Card earns 3X vs 1X

Rapid Rewards Partners

Southwest Rapid Rewards Priority Credit Card earns 2X vs 1X

Internet Cable Phone

Southwest Rapid Rewards Priority Credit Card earns 2X vs 1X

Gas Stations

Southwest Rapid Rewards Priority Credit Card earns 2X vs 1X

United Purchases

United Club Infinite Card earns 4X vs 1X

United Airlines

United Club Infinite Card earns 4X vs 1X

Travel

United Club Infinite Card earns 2X vs 1X

Hotels

United Club Infinite Card earns 2X vs 1X

Ridesharing

The Bottom Line

The Southwest Rapid Rewards Priority Credit Card has a lower annual fee ($229 vs $695), making it the more accessible option.

The United Club Infinite Card justifies its higher fee with premium perks like lounge access and travel credits.

Frequently Asked Questions

Is the United Club Infinite Card worth the higher annual fee?: The United Club Infinite Card costs $695/yr vs $229/yr for the Southwest Rapid Rewards Priority Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Southwest Rapid Rewards Priority Credit Card or United Club Infinite Card?: The Southwest Rapid Rewards Priority Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Southwest Rapid Rewards Priority Credit Card have that the United Club Infinite Card doesn't?: The Southwest Rapid Rewards Priority Credit Card focuses on earn rates, while the United Club Infinite Card offers lounge access, travel credits.
Should I get the Southwest Rapid Rewards Priority Credit Card or the United Club Infinite Card?: Choose the Southwest Rapid Rewards Priority Credit Card if you want lower fees and solid rewards. Pick the United Club Infinite Card if you spend enough to justify the $695/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Explore More

Southwest Rapid Rewards Priority Credit Card — Full Review All Chase Cards

United Club Infinite Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Southwest Rapid Rewards Priority Credit Card vs United Club Infinite Card

Southwest Rapid Rewards Priority Credit Card

Chase

United Club Infinite Card

Chase

Fees & Welcome Offer

Annual Fee

$229

$695

Welcome Bonus

50,000 Airline

90,000 Airline

Earn Rates

Category	Southwest Rapid Rewards Priority Credit Card	United Club Infinite Card
United Airlines	1X

Category-by-Category Winner

The United Club Infinite Card wins in 7 of 11 categories. The Southwest Rapid Rewards Priority Credit Card leads in 4.

Southwest Purchases

Southwest Rapid Rewards Priority Credit Card earns 3X vs 1X

Rapid Rewards Partners

Southwest Rapid Rewards Priority Credit Card earns 2X vs 1X

Internet Cable Phone

Southwest Rapid Rewards Priority Credit Card earns 2X vs 1X

Gas Stations

Southwest Rapid Rewards Priority Credit Card earns 2X vs 1X

United Purchases

United Club Infinite Card earns 4X vs 1X

United Airlines

United Club Infinite Card earns 4X vs 1X

Travel

United Club Infinite Card earns 2X vs 1X

Hotels

United Club Infinite Card earns 2X vs 1X

Ridesharing

The Bottom Line

The Southwest Rapid Rewards Priority Credit Card has a lower annual fee ($229 vs $695), making it the more accessible option.

The United Club Infinite Card justifies its higher fee with premium perks like lounge access and travel credits.

Frequently Asked Questions

Is the United Club Infinite Card worth the higher annual fee?: The United Club Infinite Card costs $695/yr vs $229/yr for the Southwest Rapid Rewards Priority Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Southwest Rapid Rewards Priority Credit Card or United Club Infinite Card?: The Southwest Rapid Rewards Priority Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Southwest Rapid Rewards Priority Credit Card have that the United Club Infinite Card doesn't?: The Southwest Rapid Rewards Priority Credit Card focuses on earn rates, while the United Club Infinite Card offers lounge access, travel credits.
Should I get the Southwest Rapid Rewards Priority Credit Card or the United Club Infinite Card?: Choose the Southwest Rapid Rewards Priority Credit Card if you want lower fees and solid rewards. Pick the United Club Infinite Card if you spend enough to justify the $695/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Explore More

Southwest Rapid Rewards Priority Credit Card — Full Review All Chase Cards

United Club Infinite Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Benefits & Features

Network

VISA

Key Benefits

✓Free checked bags

✓Lounge access

✓Travel credit

✓Travel insurance

✓Global Entry credit

✓Purchase protection

✓Free checked bags

Pros & Cons

Pros

+10,000 Companion Pass qualifying points boost every year accelerates path to free companion flights
+7,500 anniversary bonus points ($112+ value) help offset the annual fee
+Earn 2,500 TQPs toward A-List status per $5K annual spend
+Unlimited Extra Legroom seat upgrades at 48 hours when available
+Free first checked bag for cardholder and up to 8 passengers on same reservation

+Full United Club membership included ($750/year value) with 1 adult guest
+Highest PQP earning: 1 PQP per $15 spent, 28,000 annual cap, plus 1,500 bonus PQPs
+Two free checked bags for cardholder plus companion
+4x miles on United purchases (highest among United cards)
+10% off economy saver awards in continental US/Canada

Cons

−$229 annual fee is steep compared to mid-tier airline cards
−Legacy $75 travel credit and EarlyBird benefits ended December 2025
−Only 1x points on non-category purchases limits everyday earning
−No lounge access included despite premium pricing
−Southwest's limited route network reduces card utility for some travelers

−$695 annual fee is the highest among United cards
−United Club access only useful at airports with United presence
−Guest policy limited to 1 adult (plus children under 18)
−Renowned Hotels credit requires booking through specific portal
−No direct TravelBank credit like Quest card offers

United Club Infinite Card earns 2X vs 1X

Transit

United Club Infinite Card earns 2X vs 1X

Tolls

United Club Infinite Card earns 2X vs 1X

Is the Fee Difference Worth It?

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 offers travel credits, lounge access, Global Entry/TSA PreCheck credit, free checked bags. With 4 premium perks, heavy spenders on united purchases and united airlines can often offset the full fee.

Bottom line: The $466 gap is significant. Choose the United Club Infinite Card only if you spend heavily on united purchases and united airlines and will use its premium benefits regularly — otherwise the Southwest Rapid Rewards Priority Credit Card delivers strong value at a fraction of the cost.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Southwest Rapid Rewards Priority Credit Card means losing:

-Airport lounge access
-Annual travel credit
-Purchase protection
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Southwest Rapid Rewards Priority Credit Card if you:

+Want strong rewards without a large annual fee commitment

Get the United Club Infinite Card if you:

+Fly frequently and value airport lounge access
+Travel enough to fully use annual credits and premium perks

Benefits & Features

Network

VISA

Key Benefits

✓Free checked bags

✓Lounge access

✓Travel credit

✓Travel insurance

✓Global Entry credit

✓Purchase protection

✓Free checked bags

Pros & Cons

Pros

+10,000 Companion Pass qualifying points boost every year accelerates path to free companion flights
+7,500 anniversary bonus points ($112+ value) help offset the annual fee
+Earn 2,500 TQPs toward A-List status per $5K annual spend
+Unlimited Extra Legroom seat upgrades at 48 hours when available
+Free first checked bag for cardholder and up to 8 passengers on same reservation

+Full United Club membership included ($750/year value) with 1 adult guest
+Highest PQP earning: 1 PQP per $15 spent, 28,000 annual cap, plus 1,500 bonus PQPs
+Two free checked bags for cardholder plus companion
+4x miles on United purchases (highest among United cards)
+10% off economy saver awards in continental US/Canada

Cons

−$229 annual fee is steep compared to mid-tier airline cards
−Legacy $75 travel credit and EarlyBird benefits ended December 2025
−Only 1x points on non-category purchases limits everyday earning
−No lounge access included despite premium pricing
−Southwest's limited route network reduces card utility for some travelers

−$695 annual fee is the highest among United cards
−United Club access only useful at airports with United presence
−Guest policy limited to 1 adult (plus children under 18)
−Renowned Hotels credit requires booking through specific portal
−No direct TravelBank credit like Quest card offers

United Club Infinite Card earns 2X vs 1X

Transit

United Club Infinite Card earns 2X vs 1X

Tolls

United Club Infinite Card earns 2X vs 1X

Is the Fee Difference Worth It?

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Southwest Rapid Rewards Priority Credit Card means losing:

-Airport lounge access
-Annual travel credit
-Purchase protection
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Southwest Rapid Rewards Priority Credit Card if you:

+Want strong rewards without a large annual fee commitment

Get the United Club Infinite Card if you:

+Fly frequently and value airport lounge access
+Travel enough to fully use annual credits and premium perks

Benefits & Features

Network

VISA

Key Benefits

✓Free checked bags

✓Lounge access

✓Travel credit

✓Travel insurance

✓Global Entry credit

✓Purchase protection

✓Free checked bags

Pros & Cons

Pros

+10,000 Companion Pass qualifying points boost every year accelerates path to free companion flights
+7,500 anniversary bonus points ($112+ value) help offset the annual fee
+Earn 2,500 TQPs toward A-List status per $5K annual spend
+Unlimited Extra Legroom seat upgrades at 48 hours when available
+Free first checked bag for cardholder and up to 8 passengers on same reservation

+Full United Club membership included ($750/year value) with 1 adult guest
+Highest PQP earning: 1 PQP per $15 spent, 28,000 annual cap, plus 1,500 bonus PQPs
+Two free checked bags for cardholder plus companion
+4x miles on United purchases (highest among United cards)
+10% off economy saver awards in continental US/Canada

Cons

−$229 annual fee is steep compared to mid-tier airline cards
−Legacy $75 travel credit and EarlyBird benefits ended December 2025
−Only 1x points on non-category purchases limits everyday earning
−No lounge access included despite premium pricing
−Southwest's limited route network reduces card utility for some travelers

−$695 annual fee is the highest among United cards
−United Club access only useful at airports with United presence
−Guest policy limited to 1 adult (plus children under 18)
−Renowned Hotels credit requires booking through specific portal
−No direct TravelBank credit like Quest card offers

United Club Infinite Card earns 2X vs 1X

Transit

United Club Infinite Card earns 2X vs 1X

Tolls

United Club Infinite Card earns 2X vs 1X

Is the Fee Difference Worth It?

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Southwest Rapid Rewards Priority Credit Card means losing:

-Airport lounge access
-Annual travel credit
-Purchase protection
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Southwest Rapid Rewards Priority Credit Card if you:

+Want strong rewards without a large annual fee commitment

Get the United Club Infinite Card if you:

+Fly frequently and value airport lounge access
+Travel enough to fully use annual credits and premium perks