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

Dining

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

Gas

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

Flights

  1. Southwest Rapid Rewards Priority 5.0% 4x
  2. United Business Card 1.2% 1x base rate

Public transit

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

Rideshare & taxis

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

Tolls

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

Lyft

  1. Southwest Rapid Rewards Priority 6.3% 5x
  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 Priority $229 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 Priority takes everything else, dining, gas and flights, plus 1 more; United Business Card takes public transit, rideshare & taxis and tolls.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSouthwest Rapid Rewards Priority1.3%
DiningSouthwest Rapid Rewards Priority2.5%
GasSouthwest Rapid Rewards Priority2.5%
FlightsSouthwest Rapid Rewards Priority5.0%
Public transitUnited Business Card2.4%
Rideshare & taxisUnited Business Card2.4%
TollsUnited Business Card2.4%
LyftSouthwest Rapid Rewards Priority6.3%

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

Dining

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

Gas

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

Flights

  1. Southwest Rapid Rewards Priority — 5.0%
  2. United Business Card — 1.2%

Public transit

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

Rideshare & taxis

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

Tolls

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

Lyft

  1. Southwest Rapid Rewards Priority — 6.3%
  2. United Business Card — 2.4%
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