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Chase Southwest Rapid Rewards Performance Business Credit Card vs United Club Business Card

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. United Club Business Card 1.8% 1.5x base rate
  2. Southwest Rapid Rewards Performance Business Credit Card 1.3% 1x base rate

Dining

  1. Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
  2. United Club Business Card 1.8% 1.5x base rate

Gas

  1. Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
  2. United Club Business Card 1.8% 1.5x base rate

Hotels

  1. Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
  2. United Club Business Card 1.8% 1.5x base rate

Public transit

  1. Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
  2. United Club Business Card 1.8% 1.5x base rate

Rideshare & taxis

  1. Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
  2. United Club Business Card 1.8% 1.5x base rate

Lyft

  1. Southwest Rapid Rewards Performance Business Credit Card 6.3% 5x
  2. United Club Business Card 1.8% 1.5x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Southwest Rapid Rewards Performance Business Credit Card $299 and United Club Business Card $695 a year, so a thin lead in one category may not cover the difference.

Where they differ: United Club Business Card takes everything else; Southwest Rapid Rewards Performance Business Credit Card takes dining, gas, hotels and public transit, plus 2 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Club Business Card1.8%
DiningSouthwest Rapid Rewards Performance Business Credit Card2.5%
GasSouthwest Rapid Rewards Performance Business Credit Card2.5%
HotelsSouthwest Rapid Rewards Performance Business Credit Card2.5%
Public transitSouthwest Rapid Rewards Performance Business Credit Card2.5%
Rideshare & taxisSouthwest Rapid Rewards Performance Business Credit Card2.5%
LyftSouthwest Rapid Rewards Performance Business Credit Card6.3%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. United Club Business Card — 1.8%
  2. Southwest Rapid Rewards Performance Business Credit Card — 1.3%

Dining

  1. Southwest Rapid Rewards Performance Business Credit Card — 2.5%
  2. United Club Business Card — 1.8%

Gas

  1. Southwest Rapid Rewards Performance Business Credit Card — 2.5%
  2. United Club Business Card — 1.8%

Hotels

  1. Southwest Rapid Rewards Performance Business Credit Card — 2.5%
  2. United Club Business Card — 1.8%

Public transit

  1. Southwest Rapid Rewards Performance Business Credit Card — 2.5%
  2. United Club Business Card — 1.8%

Rideshare & taxis

  1. Southwest Rapid Rewards Performance Business Credit Card — 2.5%
  2. United Club Business Card — 1.8%

Lyft

  1. Southwest Rapid Rewards Performance Business Credit Card — 6.3%
  2. United Club Business Card — 1.8%
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