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All comparisons
Head-to-head, 2026

Chase IHG One Rewards Premier 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 IHG One Rewards PremierBigger welcome offer: Chase IHG One Rewards Premier

Chase

IHG One Rewards Premier

Annual fee
$99
Network
mastercard
Welcome value
~$1,400
Min spend
$3,000 / 3mo

Top earning rates

  • 10×Hotels participating in IHG One Rewards
  • 5×Travel, dining, and at gas stations
  • 3×All other purchases

Key benefits

  • Anniversary Free Night · $200
  • Fourth Reward Night Free · $200
  • Global Entry, TSA PreCheck or NEXUS Credit · $120
  • DoorDash Non-Restaurant Discount · $10
  • Monthly Instacart Credit · $10
Full Chase IHG One Rewards Premier 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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