The United Club℠ Infinite Card edges out the Southwest Premier Business for most cardholders — it wins on 3 of 4 comparison categories and offers 110,000 pts signup bonus earns more (up to 5x vs 3x). The Southwest Premier Business is the better choice if you want no or lower annual fee.
Southwest Premier Business vs United Club℠ Infinite Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Southwest Purchases 3x
- Rapid Rewards Hotel and Car Rental Partners 2x
- All Other Purchases 1x
- United Purchases 5x
- Dining 2x
- All Other Travel 2x
- Global Entry / TSA PreCheck / NEXUS Credit $120
- Renowned Hotels Credit $200
- Rideshare Credit $150
- +3 more
- United Club Membership
- Free First and Second Checked Bags
- Premier Access
- +1 more
- 2,000 Tier Qualifying Points toward A-List statusAfter $5,000 spend
Quick summary
A short version of the comparison with the main differences at a glance.
The United Club℠ Infinite Card edges out the Southwest Premier Business for most cardholders — it wins on 3 of 4 comparison categories and offers 110,000 pts signup bonus earns more (up to 5x vs 3x). The Southwest Premier Business is the better choice if you want no or lower annual fee. On raw upside, United Club℠ Infinite Card tops out at 5x versus 3x for Southwest Premier Business. Current signup bonus values are roughly $840 for Southwest Premier Business and $1100 for United Club℠ Infinite Card. Updated May 30, 2026. Source: https://cardcurator.ai/compare/southwest-premier-business-vs-united-club
- United Club℠ Infinite Card wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: United Club℠ Infinite Card reaches 5x; Southwest Premier Business reaches 3x.
- Annual fee: United Club℠ Infinite Card is $695/yr; Southwest Premier Business is $149/yr.
- Current public bonus values are approximately $840 and $1100.
Common Questions: Southwest Premier Business vs United Club℠ Infinite Card
Is the Southwest Premier Business or United Club℠ Infinite Card better for dining?
Southwest Premier Business has no dining bonus; United Club℠ Infinite Card earns 2x on dining.
Which has the higher signup bonus in 2026?
Southwest Premier Business currently offers 60,000 pts signup bonus (spend $3,000 in 3 months). United Club℠ Infinite Card offers 110,000 pts signup bonus (spend $5,000 in 3 months). United Club℠ Infinite Card has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Southwest Premier Business and the United Club℠ Infinite Card?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Chase, so check their specific application rules.