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All comparisons
Head-to-head, 2026

Chase Southwest Rapid Rewards Premier Business Chase United Club Infinite

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Southwest Rapid Rewards Premier BusinessBigger welcome offer: Chase United Club Infinite

Chase

Southwest Rapid Rewards Premier Business

Annual fee
$149
Network
visa
Welcome value
$780
Min spend
$3,000 / 3mo

Top earning rates

  • 3×Southwest purchases · Southwest Rapid Rewards
  • 2×Rapid Rewards partner hotel and car rentals · Southwest Rapid Rewards
  • 2×Local transit and commuting · Southwest Rapid Rewards
  • 1×All other purchases · Southwest Rapid Rewards

Key benefits

  • Free first checked bag · $140
  • Preferred seat selection within 48 hours · $0
  • No foreign transaction fees · $0
  • Group 5 boarding · $0
  • 15% annual flight discount code · $0
Full Chase Southwest Rapid Rewards Premier Business review

Chase

United Club Infinite

Annual fee
$695
Network
visa
Welcome value
$1,120
Min spend
$5,000 / 3mo

Top earning rates

  • 4×United purchases · United MileagePlus
  • 2×Travel · United MileagePlus
  • 2×Dining · United MileagePlus
  • 1×All other purchases · United MileagePlus

Key benefits

  • Free first and second checked bags · $440
  • JSX statement credit · $200
  • Renowned Hotels and Resorts credit · $200
  • Global Entry, TSA PreCheck or NEXUS credit · $120
  • Renowned Hotels and Resorts property benefits · $100
Full Chase United Club Infinite review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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