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All comparisons
Head-to-head, 2026

Chase Sapphire Reserve Chase Southwest Rapid Rewards Premier

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 PremierBigger 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 over $150
  • 8×Chase Travel purchases
  • 5×Lyft products and services
  • 4×Flights and hotels booked direct

Key benefits

  • Common Carrier Travel Accident Insurance · $1000000
  • Emergency Evacuation and Transportation · $100000
  • 24-Hour Travel Accident Insurance · $100000
  • Auto Rental Coverage · $75000
  • Trip Cancellation and Interruption Insurance · $10000
Full Chase Sapphire Reserve review

Chase

Southwest Rapid Rewards Premier

Annual fee
$149
Network
visa
Welcome value
$770
Min spend
$1,500 / 3mo

Top earning rates

  • 3×Southwest purchases · Southwest Rapid Rewards
  • 2×Rapid Rewards hotel and car rental partners · Southwest Rapid Rewards
  • 2×Local transit and commuting · Southwest Rapid Rewards
  • 2×Select streaming services · Southwest Rapid Rewards

Key benefits

  • First checked bag free · $140
  • DoorDash non-restaurant quarterly discount · $10
  • Monthly Instacart credit · $10
  • Extended warranty protection · $0
  • Complimentary Preferred or Standard seat selection · $0
Full Chase Southwest Rapid Rewards Premier 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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