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Chase Southwest Rapid Rewards Premier Credit Card vs United Gateway 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 Gateway Card 1.2% 1x base rate

Dining

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

Groceries

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

Gas

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

Public transit

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

Rideshare & taxis

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

Tolls

  1. United Gateway 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 Gateway 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 Gateway Card $0 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 Gateway 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 Gateway Card2.4%
Public transitUnited Gateway Card2.4%
Rideshare & taxisUnited Gateway Card2.4%
TollsUnited Gateway 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 Gateway Card — 1.2%

Dining

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

Groceries

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

Gas

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

Public transit

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

Rideshare & taxis

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

Tolls

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

Lyft

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