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All comparisons
Head-to-head, 2026

Chase Sapphire Reserve for Business Chase Southwest Rapid Rewards Performance Business

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

Lower annual fee: Chase Southwest Rapid Rewards Performance BusinessBigger welcome offer: Chase Sapphire Reserve for Business

Chase

Sapphire Reserve for Business

Annual fee
$795
Network
visa
Welcome value
~$4,100
Min spend
$30,000 / 6mo

Top earning rates

  • 8×Chase Travel purchases · Ultimate Rewards
  • 5×Lyft products and services · Ultimate Rewards
  • 4×Flights and hotels booked direct · Ultimate Rewards
  • 3×Social media and search engine advertising · Ultimate Rewards

Key benefits

  • The Edit on-property benefits · $550
  • $500 The Edit hotel credit · $500
  • $500 The Shops at Chase credit (Spend Tier) · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $400 Credit with ZipRecruiter · $400
Full Chase Sapphire Reserve for Business review

Chase

Southwest Rapid Rewards Performance Business

Annual fee
$299
Network
visa
Welcome value
$1,120
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Qualifying Lyft products and services · Rapid Rewards
  • 4×Southwest Airlines® purchases · Rapid Rewards
  • 2×Gas stations and restaurants · Rapid Rewards
  • 2×Local transit and commuting, including rideshare · Rapid Rewards

Key benefits

  • First checked bag free · $140
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • Monthly Instacart credit · $10
  • Quarterly DoorDash non-restaurant discount · $10
  • No Foreign Transaction Fees · $0
Full Chase Southwest Rapid Rewards Performance 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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