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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
~$2,000
Min spend
$30,000 / 6mo

Top earning rates

  • 8×Purchases made using your card through Chase Travel
  • 5×Qualifying Lyft products and services purchased through the Lyft mobile application
  • 4×Flights and hotels booked direct
  • 3×Social media and search engine advertising

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
  • $300 annual travel credit · $300
Full Chase Sapphire Reserve for Business review

Chase

Southwest Rapid Rewards Plus

Annual fee
$99
Network
visa
Welcome value
~$500
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

  • 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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