United℠ Quest vs Southwest Rapid Rewards® Priority
Side-by-side comparison
| United℠ Quest | Southwest Rapid Rewards® Priority | |
|---|---|---|
| Annual fee | $350 | $229 |
| Welcome offer | Up to 70,000 bonus miles + 500 PQP | |
| Dining | 2x | 2x |
| Groceries | 1x | 1x |
| Gas | 1x | 2x |
| Travel | 2x | 1x |
| Streaming | 2x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $346 | $343 |
| Points type | Locked to United MileagePlus | Locked to Southwest Rapid Rewards |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | United℠ Quest | Southwest Rapid Rewards® Priority |
|---|---|---|
| Welcome bonus | Up to 70,000 bonus miles + 500 PQP | 60,000 Rapid Rewards® bonus points |
| To earn it | $4,000 in 3 months | $2,000 in 3 months |
| Est. first-year value* | $896 | $789 |
| Est. ongoing value / yr* | $196 | $189 |
The United℠ Quest wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | United℠ Quest | Southwest Rapid Rewards® Priority |
|---|---|---|
| Lounge access | None | None |
| Annual credits | ~$200/yr (1 credits) | ~$75/yr (2 credits) |
| Points & redemptions | Locked to a single program | Locked to a single program |
On perks and redemptions, the United℠ Quest carries the heavier credit stack (about $200 a year). Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the United℠ Quest earns about $346 a year in rewards and the Southwest Rapid Rewards® Priority about $343, valuing every point at a flat 1 cent. The United℠ Quest charges $350, but carries about $200 in annual statement credits that offset it for anyone who uses them. The Southwest Rapid Rewards® Priority charges $229, but carries about $75 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Southwest Rapid Rewards® Priority delivers more total value, about $56 a year more for a typical spender, mostly because it earns more where you spend most, on gas. 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℠ Quest currently has the larger welcome offer. Note that Southwest Rapid Rewards® Priority is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the United℠ Quest if your spending leans toward travel, streaming. Pick the Southwest Rapid Rewards® Priority if your spending leans toward gas.