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All comparisons
Head-to-head, 2026

Chase Southwest Rapid Rewards Performance Business Chase United Explorer

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 Southwest Rapid Rewards Performance Business

Chase

Southwest Rapid Rewards Performance Business

Annual fee
$99
Network
visa
Welcome value
$1,120
Min spend
$5,000 / 3mo

Top earning rates

  • 4×Southwest purchases · Southwest Rapid Rewards
  • 3×hotel and car rental partners · Southwest Rapid Rewards
  • 2×advertising · Southwest Rapid Rewards
  • 2×telecommunications · Southwest Rapid Rewards

Key benefits

  • Unlimited Extra Legroom Seat Upgrades · $300
  • Complimentary Preferred Seat at Booking · $200
  • 1X Base Earning Rate · $179
  • 2X Gas and Dining · $168
  • 4X Southwest Purchases · $168
Full Chase Southwest Rapid Rewards Performance Business review

Chase

United Explorer

Annual fee
$150
Network
visa
Welcome value
$720
Min spend
$3,000 / 3mo

Top earning rates

  • 2×United purchases · United MileagePlus
  • 2×dining · United MileagePlus
  • 2×hotels · United MileagePlus
  • 1×all other purchases · United MileagePlus

Key benefits

  • Free First Checked Bag · $140
  • United Club Passes · $118
  • Primary Auto Rental CDW · $100
  • Global Entry, TSA PreCheck, or NEXUS Fee Credit · $100
  • Trip Cancellation/Interruption Insurance · $50
Full Chase United Explorer 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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