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All comparisons
Head-to-head, 2026

Chase Freedom Flex Chase Southwest Rapid Rewards Premier Business

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 Business

Chase

Freedom Flex

Annual fee
$0
Network
mastercard
Welcome value
$250
Min spend
$500 / 3mo

Top earning rates

  • 5×Bonus categories
  • 5×Travel
  • 3×Dining at restaurants
  • 3×Drugstore purchases

Key benefits

  • Quarterly DoorDash non-restaurant discount · $10
  • Purchase Protection · $0
  • Trip Cancellation and Interruption Insurance · $0
  • Extended Warranty · $0
  • World Elite Mastercard benefits · $0
Full Chase Freedom Flex review

Chase

Southwest Rapid Rewards Premier Business

Annual fee
$149
Network
visa
Welcome value
~$800
Min spend
$3,000 / 3mo

Top earning rates

  • 3×Southwest Airlines® purchases
  • 3×Qualifying Lyft products and services
  • 2×Gas stations and restaurants
  • 1×All other purchases

Key benefits

  • Free first checked bag · $140
  • A-List tier qualifying points · $0
  • Preferred seat selection within 48 hours · $0
  • No Foreign Transaction Fees · $0
  • Group 5 boarding · $0
Full Chase Southwest Rapid Rewards Premier Business 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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