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Side-by-side
Southwest Rapid Rewards Premier Business vs United Club Infinite Card
Both are well-respected travel cards. The Southwest Rapid Rewards Premier Business comes from Chase at $149/yr; the United Club Infinite Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Club Infinite Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,120 more in estimated value) than the Southwest Rapid Rewards Premier Business's. Get the United Club Infinite Card first; revisit the Southwest Rapid Rewards Premier Business after you've earned that bonus.
| Feature | Southwest Rapid Rewards Premier Business | United Club Infinite Card |
|---|---|---|
| Annual fee | $149 | $695 |
| Sign-up bonus | 60,000 bonus points | 80,000 miles (up to 90,000 with authorized user) |
| Bonus value (est.) | - | $1,120 |
| Min spend to unlock bonus | $3,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | business | travel |
| Best earning category (Southwest) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Southwest Rapid Rewards Premier Business
$149/yr · 60,000 bonus points
Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)
Editorial take: United Club Infinite Card
Worth it only for frequent United flyers who use the clubs regularly. At $695, you need to visit the club 15+ times a year to break even on lounge access alone.
Common questions
- Which card has the bigger sign-up bonus, Southwest Rapid Rewards Premier Business or United Club Infinite Card?
- The United Club Infinite Card has a public bonus (80,000 miles (up to 90,000 with authorized user), worth roughly $1,120), while the Southwest Rapid Rewards Premier Business doesn't advertise one right now.
- Is the Southwest Rapid Rewards Premier Business's $149 annual fee worth it compared to the United Club Infinite Card?
- At $149/yr, the Southwest Rapid Rewards Premier Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Club Infinite Card's, pick the one whose perks you'll actually use.
- Can I have both the Southwest Rapid Rewards Premier Business and United Club Infinite 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 Premier Business or the United Club Infinite Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Southwest Rapid Rewards Premier Business: $3,000 spend in 3 months. United Club Infinite Card: $5,000 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.