All comparisons
Head-to-head, 2026
Chase Aeroplan Chase Southwest Rapid Rewards Plus
Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.
Lower annual fee: Chase Aeroplan
Chase
Aeroplan
- Annual fee
- $95
- Network
- visa
- Welcome value
- —
- Min spend
- $20,000 / 12mo
Top earning rates
- 3×Purchases made with Air Canada directly
- 3×Grocery stores; dining at restaurants including takeout and eligible delivery services
- 1×All other purchases
Key benefits
- Aeroplan Global +1 benefit (Spend Tier) · $500
- Free first checked bag · $140
- Global Entry, TSA PreCheck or NEXUS fee credit · $120
- Aeroplan Priority Reward voucher (Spend Tier) · $0
- Aeroplan Priority Reward voucher — $250,000 tier (Spend Tier) · $0
Chase
Southwest Rapid Rewards Plus
- Annual fee
- $99
- Network
- visa
- Welcome value
- $650
- Min spend
- $1,000 / 3mo
Top earning rates
- 2×Southwest Airlines® purchases, including flights, inflight, and Southwest® gift cards
- 2×Gas stations and grocery stores
- 2×Qualifying Lyft products and services purchased through the Lyft mobile application
- 1×All other purchases
Key benefits
- Free first checked bag · $140
- Monthly Instacart credit · $10
- DoorDash non-restaurant order discount · $10
- 10,000 Companion Pass qualifying points boost · $0
- No Foreign Transaction Fees · $0
Wondering which one is right for your wallet?
Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.
Get my personal answer