Southwest Premier vs United Club
Southwest Premier
$149/yr
6.0/10
VS
United Club
$695/yr
5.5/10
Quick Answer
Southwest Premier charges $149/yr with 1X base rewards. United Club charges $695/yr with 1X base rewards. Southwest Premier 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 Premier
Lower annual fee ($149 vs $695)
Rewards Earning
Southwest Premier
6 earning categories
Benefits & Protection
Southwest Premier
0 benefits vs 0
Statement Credits
United Club
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Southwest Premier wins for most people
The $546 fee difference is hard to justify unless you maximize premium benefits.
Apply for Southwest PremierPREMIUM 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 Premier
| Southwest purchases | 3.0X |
| 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 |