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All comparisons
Head-to-head, 2026

Chase Sapphire Reserve 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

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Peloton equipment and accessory purchases
  • 8×Chase Travel purchases
  • 5×Qualifying Lyft products and services
  • 4×Flights and hotels booked direct

Key benefits

  • $500 credit for stays with The Edit · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $300 in StubHub credits · $300
  • Reserve Travel Designers · $300
  • Annual Travel Credit · $300
Full Chase Sapphire Reserve review

Chase

Southwest Rapid Rewards Performance Business

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

Top earning rates

  • 4×Southwest purchases · Southwest Rapid Rewards
  • 3×Rapid Rewards hotel and car rental partners · Southwest Rapid Rewards
  • 2×Social media and search engine advertising, internet, cable, and phone services · Southwest Rapid Rewards
  • 2×Local transit and commuting, including rideshare · Southwest 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
  • Lost Luggage Reimbursement · $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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