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Chase Southwest Rapid Rewards Plus 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 Plus 1.3% 1x base rate
  2. United Gateway Card 1.2% 1x base rate

Groceries

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

Gas

  1. Southwest Rapid Rewards Plus 2.5% 2x
  2. United Gateway Card 2.4% 2x

Flights

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

Public transit

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

Rideshare & taxis

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

Tolls

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

Lyft

  1. Southwest Rapid Rewards Plus 2.5% 2x
  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 Plus $99 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 Plus takes everything else, groceries, gas and flights, plus 1 more; United Gateway Card takes public transit, rideshare & taxis and tolls.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSouthwest Rapid Rewards Plus1.3%
GroceriesSouthwest Rapid Rewards Plus2.5%
GasSouthwest Rapid Rewards Plus2.5%
FlightsSouthwest Rapid Rewards Plus2.5%
Public transitUnited Gateway Card2.4%
Rideshare & taxisUnited Gateway Card2.4%
TollsUnited Gateway Card2.4%
LyftSouthwest Rapid Rewards Plus2.5%

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 Plus — 1.3%
  2. United Gateway Card — 1.2%

Groceries

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

Gas

  1. Southwest Rapid Rewards Plus — 2.5%
  2. United Gateway Card — 2.4%

Flights

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

Public transit

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

Rideshare & taxis

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

Tolls

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

Lyft

  1. Southwest Rapid Rewards Plus — 2.5%
  2. United Gateway Card — 2.4%
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