Southwest Plus vs United Club
Southwest Plus
$99/yr
6.0/10
VS
United Club
$695/yr
5.5/10
Quick Answer
Southwest Plus charges $99/yr with 1X base rewards. United Club charges $695/yr with 1X base rewards. Southwest Plus offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Southwest Plus
Lower annual fee ($99 vs $695)
Rewards Earning
Southwest Plus
6 earning categories
Benefits & Protection
Southwest Plus
0 benefits vs 0
Statement Credits
United Club
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Southwest Plus wins for most people
The $596 fee difference is hard to justify unless you maximize premium benefits.
Apply for Southwest PlusPREMIUM PICK
United Club wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United ClubRewards Earning: Detailed Comparison
Southwest Plus
| Southwest purchases | 2.0X |
| Hotel & car rental partners | 2.0X |
| Local transit & commuting | 2.0X |
| Streaming services | 2.0X |
| Internet, cable, phone | 2.0X |
| Everything else | 1.0X |
United Club
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |