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All comparisons
Head-to-head, 2026

Chase Freedom Flex Chase Southwest Rapid Rewards Premier

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 Premier

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 Premier

Annual fee
$149
Network
visa
Welcome value
~$550
Min spend
$1,500 / 3mo

Top earning rates

  • 3×Southwest Airlines purchases
  • 3×Qualifying Lyft products and services
  • 2×Grocery stores and restaurants
  • 1×All other purchases

Key benefits

  • First checked bag free · $140
  • DoorDash non-restaurant quarterly discount · $10
  • Monthly Instacart credit · $10
  • Group 5 boarding benefit · $0
  • Extended Warranty · $0
Full Chase Southwest Rapid Rewards Premier 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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