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Side-by-side

Southwest Rapid Rewards Plus vs United Quest Card

Both are travel travel cards. The Southwest Rapid Rewards Plus comes from Chase at $99/yr; the United Quest Card from Chase at $350/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 United Quest Card costs $251 more per year, only worth it if you'll actually use the upgraded perks.

FeatureSouthwest Rapid Rewards PlusUnited Quest Card
Annual fee$99$350
Sign-up bonus50,000 bonus points70,000 miles + 500 PQP
Bonus value (est.)-$950
Min spend to unlock bonus$1,000 in 3 mo$4,000 in 3 mo
IssuerChaseChase
Card categorytraveltravel
Best earning category (Travel)2x1x
Transfer partnersNonemileageplus
Headline benefits
  • $99 fee (post-2025 refresh)
  • 3k anniversary points
  • Free first checked bag
  • Companion Pass qualifying
  • 3x on United
  • $125 United credit
  • 2 free bags
  • Award rebates
Read the full review
Southwest Rapid Rewards Plus
$99/yr · 50,000 bonus points
Read the full review
United Quest Card
$350/yr · 70,000 miles + 500 PQP

Editorial take: Southwest Rapid Rewards Plus

The entry-level Southwest card after the 2025 refresh raised the fee to $99. Worth it primarily if you're chasing the Companion Pass; the Priority card delivers more value if you fly Southwest 2+ times per year.

Editorial take: United Quest Card

If you fly United 3+ times a year, the $125 travel credit, two free bags, and 10k miles of rebates on award flights ($100+ in direct value) make this card pay for itself.

Common questions

Which card has the bigger sign-up bonus, Southwest Rapid Rewards Plus or United Quest Card?
The United Quest Card has a public bonus (70,000 miles + 500 PQP, worth roughly $950), while the Southwest Rapid Rewards Plus doesn't advertise one right now.
Is the Southwest Rapid Rewards Plus's $99 annual fee worth it compared to the United Quest Card?
At $99/yr, the Southwest Rapid Rewards Plus is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Quest Card's, pick the one whose perks you'll actually use.
Can I have both the Southwest Rapid Rewards Plus and United Quest 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 Plus or the United Quest Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Southwest Rapid Rewards Plus: $1,000 spend in 3 months. United Quest Card: $4,000 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.