Credit Cards » Compare Credit Cards » Southwest Rapid Rewards Priority vs. United Quest Card
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Southwest Rapid Rewards Priority vs. United Quest Card

The United Quest card offers better airline benefits, but we don't think it worth the higher annual fee, unless you're a frequent flyer
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The Southwest Rapid Rewards Priority Card and the United Quest Card are premium airline miles credit cards offered by major U.S. airlines in partnership with Chase bank. Still, they cater to different airline loyalty programs and have distinct benefits.

General Comparison

The Southwest Rapid Rewards Priority Card, linked with Southwest Airlines renowned for its widespread domestic routes, provides substantial advantages for regular Southwest travelers. Cardholders benefit from an annual $75 Southwest travel credit, four upgraded boardings annually, and 7,500 anniversary points.

Flight tickets and Southwest credit card
(Photo by Artem Oleshko/Shutterstock)

Conversely, the United Quest Card is affiliated with United Airlines and carries a higher annual fee. However, it compensates with additional perks, including a statement credit for Global Entry or TSA PreCheck, along with complimentary first and second checked bags

Here's a side by side comparison of the cards main features:

United Quest℠ Card

Southwest Rapid Rewards® Priority Credit Card

United Quest Card
Southwest Rapid Rewards Priority
Annual Fee
$250
$149
Rewards
3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
3X points on Southwest purchases, 2X points on Southwest’s Rapid Rewards hotel and car rental partners, local transit and commuting (including rideshares) and internet, cable phone and select streaming services; 1X points on all other purchases
Welcome bonus
90,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
75,000 points when you spend $3,000 on purchases within the first three months
0% Intro APR
N/A
N/A
Foreign Transaction Fee
$0
$0
Purchase APR
21.99% – 28.99% variable
21.24% – 28.24% variable APR
Read Review
Read Review
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
70,000 miles 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Credit Card Points Battle: A Side-by-Side Analysis

Based on our analysis, there is no significant difference when it comes to point rewards earning.  Also, the value of each United/Southwest point is quite similar, so overall, in spite of the difference in annual fees – the estimated redemption value of both cards is almost equal.

United Quest℠ Card

Southwest Rapid Rewards® Priority Credit Card

Spend Per Category
United Quest Card
Southwest Priority Card
$15,000 – U.S Supermarkets
15,000 miles
15,000 points
$5,000 – Restaurants
10,000 miles
5,000 points
$6,000 – Hotels
12,000 miles
12,000 points
$8,000 – Airline
24,000 miles
24,000 points
$4,000 – Gas
4,000 miles
4,000 points
Total Points
65,000 miles
60,000 points
Estimated Redemption Value
1 point = ~1.2 cents
1 point = ~1.3 cents
Estimated Annual Value
$780
$780

United Airlines offers various redemption options for MileagePlus miles, allowing travelers to book flights, upgrade seats, or cover fees. Additionally, miles can be used for hotel stays, car rentals, and merchandise through the MileagePlus Shopping portal.

Book a Hotel with United miles
Book a Hotel with United miles (screenshot taken by our team from United app)

Southwest Airlines offers flexible redemption options for its Rapid Rewards points. You can use points to book flights with no blackout dates or seat restrictions, making it easy to plan your travels. Additionally, points can be used for hotel stays, car rentals, gift cards, and experiences through the More Rewards program.

Book Experiences, gift cards and merchandise with Southwest card
Book Experiences, gift cards and merchandise with Southwest card (screenshot from Southwest app)

Travel And Airline Benefits: Comparison

When comparing airline and travel benefits, the United Quest card is a clear winner – it offers a higher value of annual credit, and unique benefits such as TSA PreCheck reimbursement and first-free and second-checked bags.

United Quest Card

United Quest℠ Card

  • $125 Annual United Purchase Credit: Cardholders receive up to $125 in statement credits for United purchases each account anniversary year.
  • Up to 10,000 Miles in Award Flight Credits: Starting from the first anniversary, cardholders get 5,000 miles back in their MileagePlus account after taking up to 2 United or United Express-operated award flights annually.
United compare flights price on calendar
Compare flights price in miles (screenshot taken by our team from United app)
  • Free First and Second Checked Bags: The primary cardmember and one companion on the same reservation enjoy complimentary first and second standard checked bags on United-operated flights.
  • Priority Boarding: The primary cardmember and companions on the same reservation receive priority boarding on United-operated flights.
  • Up to $100 Global Entry, TSA PreCheck, or NEXUS Fee Credit: Cardholders receive a statement credit of up to $100 every 4 years for the application fee for Global Entry, TSA PreCheck, or NEXUS.
  • 25% Back on United Inflight and Club Premium Purchases: Cardholders get a 25% statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights, as well as Club premium drinks.
  • Premier Upgrades on Award Tickets: The primary cardmember with MileagePlus Premier status, traveling on an award ticket, and one companion on the same reservation are eligible for complimentary Premier Upgrades on select United and United Express-operated flights.
Premium service when upgrading a United flight to business class
United Airlines serves its 'p.s. Premium Service' business class passengers coffee aboard flight UA1469, served by its Boeing 787 Dreamliner(Photo by First Class Photography/Shutterstock)
  • DoorDash: Cardholders receive a one-year complimentary DashPass membership, offering unlimited deliveries with $0 delivery fees and lower service fees on eligible orders.
Southwest Rapid Rewards Priority

Southwest Rapid Rewards® Priority Credit Card

  • 7,500 Points Annually: Cardholders receive 7,500 bonus points every year on their Cardmember anniversary, adding a consistent boost to their Southwest Rapid Rewards balance.

  • $75 Southwest Annual Travel Credit: This credit helps offset the annual fee, providing cardholders with a yearly $75 credit for eligible Southwest travel expenses.

Southwest Flight
  • 4 Upgraded Boardings per Year: Enjoy enhanced travel experience with four upgraded boardings per year when available.
  • Unlimited Tier Qualifying Points (TQPs): For every $10,000 spent, earn 1,500 TQPs toward A-List status, with no limit on the amount of TQPs you can accumulate.
  • 25% Back on Inflight Purchases: Receive a 25% rebate on inflight purchases, making onboard snacks, drinks, and entertainment more affordable for travelers.
  • 10,000 Companion Pass Qualifying Points Boost: The card provides an annual boost of 10,000 Companion Pass qualifying points, bringing cardholders closer to earning the highly coveted Southwest Companion Pass.
Southwest a progress towards Companion pass and A-List Status
Southwest a progress towards Companion pass and A-List Status (screenshot from Southwest app)
  • DoorDash Benefits: Cardholders receive a complimentary one-year DashPass membership, offering unlimited deliveries with $0 delivery fees and reduced service fees on eligible orders through DoorDash and Caviar.

Which Protections You'll Get With Each Card?

While both cards issued by Chase, the United Quest card offers broader coverage. 

Here are the protections you'll get on both cards:

  • Lost Luggage Reimbursement: Receive coverage up to $3,000 per passenger for lost or damaged checked or carry-on luggage.
  • Baggage Delay Insurance: Get reimbursed for essential purchases (up to $100 per day for 3 days) in case of baggage delays over 6 hours.
  • Extended Warranty Protection: Extend the manufacturer's warranty by an additional year on eligible warranties of three years or less.
  • Purchase Protection: Enjoy coverage for new purchases against damage or theft for 120 days, up to $500 per claim and $50,000 per account, providing added security for your acquisitions.

Here are unique protections for the United Quest card:

  • Trip Cancellation/Interruption Insurance: In the event of trip cancellation or interruption due to covered situations like sickness or severe weather.

  • Trip Delay Reimbursement: If common carrier travel is delayed by more than 12 hours or requires an overnight stay, the card covers unreimbursed expenses, including meals and lodging.

  • Auto Rental Collision Damage Waiver: By declining the rental company's collision insurance and charging the entire rental cost to the card, primary coverage is provided for theft and collision damage for most rental cars in the U.S. and abroad, up to the actual cash value of the vehicle.

Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
70,000 miles 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Want the Southwest Priority Card?

You might prefer the Southwest Rapid Rewards Priority card if:

  • You're Focused On Earning miles: according to our analysis, both cards earn a similar amount (and value) of point rewards. Therefore, if you are mainly looking to earn miles, the Southwest Priority card may be a better choice.

  • Frequent Domestic Travel: If you primarily travel within the United States, especially to destinations covered by Southwest's extensive domestic network, the Southwest Rapid Rewards Priority Card may be preferable due to its focus on domestic routes and benefits tailored to Southwest Airlines.

  • Prefer a Lower Annual Fee: If you are cost-conscious and prefer a lower annual fee, the Southwest Rapid Rewards Priority Card might be a better choice, as it often has a lower annual fee compared to the United Quest Card, while still providing valuable Southwest-specific benefits.

Book flights with Southwest Priority card points
Book flights with Southwest Priority card points (screenshot from Southwest app)

When You Might Want the United Quest Card?

You might prefer the United Quest card over the Southwest Rapid Rewards Priority in the following situations:

  • You Fly United Frequently: If you are a loyal United Airlines customer and frequently fly within their extensive global network, the United Quest Card might be preferable due to its airline-specific benefits, such as enhanced award availability and a broader range of destinations.

  • You Can Leverage Premium Rewards: Opt for the United Quest Card if you frequently travel internationally and can leverage statement credit for Global Entry or TSA PreCheck or use complimentary first and second-checked bags for you and your travel companions.

  • You Prefer A Wider Range Of Travel Partners: United Airlines belongs to the Star Alliance, which provides access to a vast network of partner airlines worldwide. The Southwest Rapid Rewards Priority Credit Card's partner network is more limited, focusing primarily on Southwest and its affiliated airlines.

Compare The Alternatives

If you're looking for a premium travel credit card with airline rewards – there are some good alternatives you may want to consider:

Venture X Rewards

Capital One Venture X
Chase Sapphire Reserve®
Citi®/AAdvantage® Platinum Select® World Elite Mastercard®
Annual Fee
$395
$550
$99 (waived for the first 12 months)
Rewards
1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
1X – 10X 5X total points on air travel and 10X total points on hotels, car rentals when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases
1X – 2X 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
Welcome bonus
75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
50,000 Miles 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
Foreign Transaction Fee
$0
$0
$0
Purchase APR
19.99% – 29.99% (Variable)
22.24%–29.24% variable APR
21.24% – 29.99% (Variable)

Compare Southwest Rapid Rewards Priority

If you're looking for airline travel rewards, there is a clear winner. But what about other premium travel benefits?

Here's our comparison: Delta SkyMiles Gold vs Southwest Rapid Rewards Priority

We think the Southwest Rapid Rewards Premier wins – it's cheaper and there is no significant difference in points rewards or airline perks.

Southwest Rapid Rewards Premier vs Priority: Side By Side Comparison

The Delta SkyMiles Platinum is the winner with higher cashback value and better travel and airline benefits. But, it has higher annual fee.

Southwest Rapid Rewards Priority vs. Delta SkyMiles Platinum: Side By Side Comparison

Compare United Quest Card

The Quest card has recently launched in order to provide a premium alternative to the old Explorer card. How they compared & is it worth it?

United℠ Explorer Card vs United Quest℠ Card: Which is Better?

While having the same annual fee, we think the Delta SkyMiles Platinum is a better choice than the United Quest card. Here's why.

United Quest vs. Delta SkyMiles Platinum: Side By Side Comparison

The United Infinite card offers luxury benefits that the Quest card doesn't, but for most consumers, it is not worth the higher annual fee.

United Quest vs Infinite Card: How They Compare?

While having higher annual fee, the Chase Sapphire Reserve is a clear winner with much higher total cashback and better premium travel perks.

United Quest vs. Chase Sapphire Reserve: How They Compare?

Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.