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Southwest Rapid Rewards Performance Business vs United Gateway Card
Both are travel travel cards. The Southwest Rapid Rewards Performance Business comes from Chase at $299/yr; the United Gateway Card from Chase at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Chase and target travel spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Southwest Rapid Rewards Performance Business costs $299 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Southwest Rapid Rewards Performance Business | United Gateway Card |
|---|---|---|
| Annual fee | $299 | $0 |
| Sign-up bonus | 80,000 points | 30,000 miles |
| Bonus value (est.) | $80,000 | $390 |
| Min spend to unlock bonus | $5,000 in 3 mo | $1,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | travel | travel |
| Best earning category (Travel) | 4x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Southwest Rapid Rewards Performance Business
$299/yr · 80,000 points
Read the full review
United Gateway Card
$0/yr · 30,000 miles
Editorial take: United Gateway Card
The no-fee United card. Doesn't include free bags (that starts with the Explorer), so it's really only worth it for credit-building purposes.
Common questions
- Which card has the bigger sign-up bonus, Southwest Rapid Rewards Performance Business or United Gateway Card?
- The Southwest Rapid Rewards Performance Business has the bigger bonus, 80,000 points, worth roughly $80,000, versus 30,000 miles (~$390) on the United Gateway Card.
- Is the Southwest Rapid Rewards Performance Business's $299 annual fee worth it compared to the United Gateway Card?
- At $299/yr, the Southwest Rapid Rewards Performance Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Gateway Card's, pick the one whose perks you'll actually use.
- Can I have both the Southwest Rapid Rewards Performance Business and United Gateway Card?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Southwest Rapid Rewards Performance Business or the United Gateway Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Southwest Rapid Rewards Performance Business: $5,000 spend in 3 months. United Gateway Card: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.