Card comparisonSide by side
Southwest Rapid Rewards® Premier Credit Card vs United Gateway SM Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
Pair snapshot
2
cards
A-B
comparison
Comparison table
The numbers, lined up.
How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, and Reward Program are editorial labels and may still be pending enrichment. A rating is shown only when available.
Swipe horizontally to compare all columns
| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Chase | Chase |
Card Network | ||
Card Type Data: 2/2 cards | travel | travel |
Card Tier Data: 2/2 cards | Mid Tier | Entry Level |
Credit Score | Excellent(750+) | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $149 | $0 |
Foreign Transaction Fee | None | None |
Purchase APR | 19.24% – 27.74% | 19.74% – 28.24% |
Intro APR | — | 0% for 12 months |
| Rewards | ||
Welcome Bonus | Earn 55,000 points | Earn 40,000 miles |
Reward Rate Data: 2/2 cards | 3x pts on lyft purchases | 5x miles on eligible united flights |
Reward Program Data: 2/2 cards | Southwest Rapid Rewards | United MileagePlus |
| Earning Rates | ||
| All other purchases | — | 1x miles |
| Eligible United flights | — | 5x miles5x total includes 3x miles on the Primary Cardmember's fare from United as a MileagePlus member plus 2x miles on the entire United purchase with the card; mileage earning differs for Basic Economy or base option tickets. |
| Eligible United purchases | — | 2x milesIncludes airline tickets purchased from United, seat upgrades, Economy Plus, inflight food, beverages and Wi-Fi, baggage service charges, other United fees, and United Card Events from Chase; exclusions apply. |
| Gas stations | — | 2x miles |
| Local transit and commuting | — | 2x milesIncludes ride share services, taxicabs, train tickets, tolls, and mass transit. |
| Lyft purchases | 3x ptsOn qualifying Lyft products and services purchased through the Lyft mobile application through 12/31/2027. | — |
| Southwest Airlines purchases | 3x ptsEarn 3 points for each $1 spent on purchases made directly with Southwest Airlines, including flight, inflight, Southwest gift cards, and Getaways by Southwest packages. | — |
| all other purchases | 1x pts | — |
| grocery stores and restaurants | 2x ptsOn the first $8,000 in combined purchases per anniversary year. | — |
| Benefits | ||
Key Benefits |
|
|
