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Head-to-head, 2026

Chase Sapphire Reserve for Business 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 Southwest Rapid Rewards PlusBigger 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 Plus

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

Top earning rates

  • 2×Southwest Airlines® purchases, including flights, inflight, and Southwest® gift cards
  • 2×Gas stations and grocery stores
  • 2×Qualifying Lyft products and services purchased through the Lyft mobile application
  • 1×All other purchases

Key benefits

  • Purchase Protection · $500
  • Free first checked bag · $140
  • DoorDash non-restaurant order discount · $10
  • Monthly Instacart credit · $10
  • 10,000 Companion Pass qualifying points boost · $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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