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Chase Southwest Rapid Rewards Premier Credit Card vs United 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. Southwest Rapid Rewards Premier Credit Card 1.3% 1x base rate
  2. United Business Card 1.2% 1x base rate

Dining

  1. Southwest Rapid Rewards Premier Credit Card 2.5% 2x
  2. United Business Card 2.4% 2x

Groceries

  1. Southwest Rapid Rewards Premier Credit Card 2.5% 2x
  2. United Business Card 1.2% 1x base rate

Gas

  1. United Business Card 2.4% 2x
  2. Southwest Rapid Rewards Premier Credit Card 1.3% 1x base rate

Public transit

  1. United Business Card 2.4% 2x
  2. Southwest Rapid Rewards Premier Credit Card 1.3% 1x base rate

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. Southwest Rapid Rewards Premier Credit Card 1.3% 1x base rate

Tolls

  1. United Business Card 2.4% 2x
  2. Southwest Rapid Rewards Premier Credit Card 1.3% 1x base rate

Lyft

  1. Southwest Rapid Rewards Premier Credit Card 3.8% 3x
  2. United Business Card 2.4% 2x

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 Premier Credit Card $149 and United Business Card $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: Southwest Rapid Rewards Premier Credit Card takes everything else, dining, groceries and lyft; United Business Card takes gas, public transit, rideshare & taxis and tolls.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSouthwest Rapid Rewards Premier Credit Card1.3%
DiningSouthwest Rapid Rewards Premier Credit Card2.5%
GroceriesSouthwest Rapid Rewards Premier Credit Card2.5%
GasUnited Business Card2.4%
Public transitUnited Business Card2.4%
Rideshare & taxisUnited Business Card2.4%
TollsUnited Business Card2.4%
LyftSouthwest Rapid Rewards Premier Credit Card3.8%

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. Southwest Rapid Rewards Premier Credit Card — 1.3%
  2. United Business Card — 1.2%

Dining

  1. Southwest Rapid Rewards Premier Credit Card — 2.5%
  2. United Business Card — 2.4%

Groceries

  1. Southwest Rapid Rewards Premier Credit Card — 2.5%
  2. United Business Card — 1.2%

Gas

  1. United Business Card — 2.4%
  2. Southwest Rapid Rewards Premier Credit Card — 1.3%

Public transit

  1. United Business Card — 2.4%
  2. Southwest Rapid Rewards Premier Credit Card — 1.3%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. Southwest Rapid Rewards Premier Credit Card — 1.3%

Tolls

  1. United Business Card — 2.4%
  2. Southwest Rapid Rewards Premier Credit Card — 1.3%

Lyft

  1. Southwest Rapid Rewards Premier Credit Card — 3.8%
  2. United Business Card — 2.4%
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