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All comparisons
Head-to-head, 2026

Chase Sapphire Preferred 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 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 Premier Business

Annual fee
$149
Network
visa
Welcome value
$780
Min spend
$3,000 / 3mo

Top earning rates

  • 3×Southwest purchases · Southwest Rapid Rewards
  • 2×Rapid Rewards partner hotel and car rentals · Southwest Rapid Rewards
  • 2×Local transit and commuting · Southwest Rapid Rewards
  • 1×All other purchases · Southwest Rapid Rewards

Key benefits

  • Free first checked bag · $140
  • Preferred seat selection within 48 hours · $0
  • No foreign transaction fees · $0
  • Group 5 boarding · $0
  • 15% annual flight discount code · $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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