Southwest Rapid Rewards® Performance Business vs United Club℠ Business Card
Side-by-side comparison
| Southwest Rapid Rewards® Performance Business | United Club℠ Business Card | |
|---|---|---|
| Annual fee | $299 | $695 |
| Welcome offer | 80,000 points | 110,000 miles |
| Advertising | 1% | 1.5% |
| Shipping | 1% | 1.5% |
| Office supplies | 1% | 1.5% |
| Phone & internet | 1% | 1.5% |
| Travel | 4% | 2% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $636 | $699 |
| Points type | Locked to Southwest Rapid Rewards | Locked to United MileagePlus |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Southwest Rapid Rewards® Performance Business earns about $636 a year in rewards and the United Club℠ Business Card about $699, valuing every point at a flat 1 cent. The Southwest Rapid Rewards® Performance Business charges $299, which you clear through its rewards and perks. The United Club℠ Business Card charges $695, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Southwest Rapid Rewards® Performance Business delivers more total value, about $333 a year more for a typical spender, mostly because it earns more where you spend most, on travel. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the United Club℠ Business Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Southwest Rapid Rewards® Performance Business if your spending leans toward travel. Pick the United Club℠ Business Card if your spending leans toward advertising, shipping, office supplies.