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All comparisons
Head-to-head, 2026

Chase Sapphire Preferred 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 Sapphire PreferredBigger welcome offer: Chase Sapphire Preferred

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$937.5
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Travel · Chase Ultimate Rewards
  • 5×Rideshare · Chase Ultimate Rewards
  • 3×Online grocery stores · Chase Ultimate Rewards
  • 3×Dining · Chase Ultimate Rewards

Key benefits

  • Complimentary Apple TV · $156
  • Complimentary DashPass Membership · $120
  • Global Entry, TSA PreCheck, or NEXUS Credit · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred review

Chase

Southwest Rapid Rewards Plus

Annual fee
$99
Network
visa
Welcome value
$650
Min spend
$1,000 / 3mo

Top earning rates

  • 2×Southwest purchases · Southwest Rapid Rewards
  • 2×Hotel and car rental · Southwest Rapid Rewards
  • 2×Transit · Southwest Rapid Rewards
  • 2×Streaming · Southwest Rapid Rewards

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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