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All comparisons
Head-to-head, 2026

Chase Freedom Flex 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 Freedom FlexBigger welcome offer: Chase Southwest Rapid Rewards Plus

Chase

Freedom Flex

Annual fee
$0
Network
mastercard
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 5×rotating quarterly categories · Chase Ultimate Rewards
  • 5×travel · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×drugstores · Chase Ultimate Rewards

Key benefits

  • 5% Quarterly Rotating Categories · $300
  • 1% Base Cash Back Rate · $163
  • 5% on Chase Travel purchases · $150
  • 3% on Dining · $108
  • No Minimum Rewards Redemption · $25
Full Chase Freedom Flex review

Chase

Southwest Rapid Rewards Plus

Annual fee
$99
Network
visa
Welcome value
$1,190
Min spend
$3,000 / 3mo

Top earning rates

  • 2×Southwest purchases · Southwest Rapid Rewards
  • 2×rapid rewards hotel and car rental partners · Southwest Rapid Rewards
  • 2×local transit and commuting · Southwest Rapid Rewards
  • 2×select streaming services · Southwest Rapid Rewards

Key benefits

  • 1% back on All Other Purchases · $200
  • Companion Pass® Qualification Support · $200
  • Two Free Checked Bags · $140
  • 2 EarlyBird Check-In® passes · $50
  • 3,000 Anniversary Points · $45
Full Chase Southwest Rapid Rewards Plus review

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.

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