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All comparisons
Head-to-head, 2026

Chase Freedom Unlimited Chase Southwest Rapid Rewards Priority

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Freedom UnlimitedBigger welcome offer: Chase Southwest Rapid Rewards Priority

Chase

Freedom Unlimited

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

Top earning rates

  • 5×Travel
  • 3×Dining at restaurants, including takeout and eligible delivery services
  • 3×Drugstore purchases
  • 2×Qualifying Lyft products and services

Key benefits

  • Purchase Protection · $500
  • Quarterly DoorDash non-restaurant discount · $10
  • Trip Cancellation and Interruption Insurance · $0
  • Roadside Assistance · $0
  • Freedom's Cashback Moments · $0
Full Chase Freedom Unlimited review

Chase

Southwest Rapid Rewards Priority

Annual fee
$229
Network
visa
Welcome value
$720
Min spend
$2,000 / 3mo

Top earning rates

  • 5×Qualifying Lyft products and services purchased through the Lyft mobile application · Rapid Rewards
  • 4×Southwest Airlines purchases · Rapid Rewards
  • 2×Gas stations and restaurants · Rapid Rewards
  • 1×All other purchases · Rapid Rewards

Key benefits

  • Free first checked bag · $180
  • Monthly Instacart credit · $10
  • Quarterly DoorDash non-restaurant discount · $10
  • Lost Luggage Reimbursement · $0
  • 2,500 A-List tier-qualifying points per $5,000 spend (Spend Tier) · $0
Full Chase Southwest Rapid Rewards Priority 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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