Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

Chase Sapphire Preferred 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 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×Chase Travel purchases
  • 5×Peloton equipment and accessory purchases over $150
  • 5×Lyft rides
  • 3×Online groceries

Key benefits

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

Get my personal answer