Southwest Rapid Rewards® Priority Card vs United℠ Explorer Card

Southwest Rapid Rewards® Priority CardSouthwest Rapid Rewards® Priority Card

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United℠ Explorer CardUnited℠ Explorer Card

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Annual Fee
$229
$150
Card Type
Personal
Personal
Rewards Currency
Southwest Rapid Rewards
United MileagePlus
Point Value
1.25¢/pt
1.35¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
40,000 Southwest Rapid Rewards after $3,000 in 90 days
85,000 United MileagePlus after $3,000 in 90 days

Effective return by category

CategorySouthwest Rapid Rewards® Priority CardUnited℠ Explorer Card
Dining & Restaurants2.50%
2x
2.70%
2x
Hotels & Lodging1.25%
1x
2.70%
2x
Gas Stations2.50%
2x
1.35%
1x
Everything else1.25%
1x
1.35%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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