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

Dining

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

Groceries

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

Travel

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

Streaming

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

Flights

  1. United Quest Card 4.8% 4x
  2. Southwest Rapid Rewards Premier Credit Card 1.3% 1x base rate

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers 6.0% 5x

Lyft

  1. Southwest Rapid Rewards Premier Credit Card 3.8% 3x
  2. United Quest Card 1.2% 1x 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 Premier Credit Card $149 and United Quest Card $350 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 Quest Card takes travel, streaming and flights.

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%
TravelUnited Quest Card2.4%
StreamingUnited Quest Card2.4%
FlightsUnited Quest Card4.8%
Hotels · portalUnited Quest Card · Renowned Hotels for United Cardmembers6.0%
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 Quest Card — 1.2%

Dining

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

Groceries

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

Travel

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

Streaming

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

Flights

  1. United Quest Card — 4.8%
  2. Southwest Rapid Rewards Premier Credit Card — 1.3%

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers — 6.0%

Lyft

  1. Southwest Rapid Rewards Premier Credit Card — 3.8%
  2. United Quest Card — 1.2%
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