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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×Combined purchases in bonus categories each quarter you activate · Chase Ultimate Rewards
  • 5×Travel · Chase Ultimate Rewards
  • 3×Dining at restaurants, including takeout and eligible delivery services · Chase Ultimate Rewards
  • 3×Drugstore purchases · Chase Ultimate Rewards

Key benefits

  • Quarterly DoorDash non-restaurant discount · $10
  • Auto Rental Collision Damage Waiver · $0
  • Cell Phone Protection · $0
  • Purchase Protection · $0
  • Trip Cancellation and Interruption Insurance · $0
Full Chase Freedom Flex review

Chase

Southwest Rapid Rewards Plus

Annual fee
$99
Network
visa
Welcome value
~$500
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
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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