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.
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Side-by-side
United Club Infinite Card vs Southwest Rapid Rewards Priority
Both are well-respected travel cards. The United Club Infinite Card comes from Chase at $695/yr; the Southwest Rapid Rewards Priority from Chase at $229/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
If you're not sure you'll use premium perks, start with the Southwest Rapid Rewards Priority, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | United Club Infinite Card | Southwest Rapid Rewards Priority |
|---|---|---|
| Annual fee | $695 | $229 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | 90,000 points |
| Bonus value (est.) | $1,120 | $840 |
| Min spend to unlock bonus | $5,000 in 3 mo | $3,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | travel | airline |
| Best earning category (United) | 4x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)
Read the full review
Southwest Rapid Rewards Priority
$229/yr · 90,000 points
Editorial take: Southwest Rapid Rewards Priority
If Southwest is your airline, this is the card to have. The anniversary points and $75 travel credit help offset the annual fee, and the 4x earning on Southwest is class-leading among airline cards.
Common questions
- Which card has the bigger sign-up bonus, United Club Infinite Card or Southwest Rapid Rewards Priority?
- The United Club Infinite Card has the bigger bonus, 80,000 miles (up to 90,000 with authorized user), worth roughly $1,120, versus 90,000 points (~$840) on the Southwest Rapid Rewards Priority.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the Southwest Rapid Rewards Priority?
- Premium cards like the United Club Infinite Card ($695/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $695+ of those credits, the math works. The Southwest Rapid Rewards Priority at $229/yr trades some perks for a lower commitment.
- Can I have both the United Club Infinite Card and Southwest Rapid Rewards Priority?
- 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 United Club Infinite Card or the Southwest Rapid Rewards Priority first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Infinite Card: $5,000 spend in 3 months. Southwest Rapid Rewards Priority: $3,000 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.