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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 United ExplorerBigger welcome offer: Chase Southwest Rapid Rewards Performance Business

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

Chase

United Explorer

Annual fee
$0
Network
visa
Welcome value
$720
Min spend
$3,000 / 3mo

Top earning rates

  • 2×Travel · United MileagePlus
  • 2×Dining · United MileagePlus
  • 2×Hotel · United MileagePlus
  • 1×All_other_purchases · United MileagePlus

Key benefits

  • Free first checked bag · $200
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • $100 United travel credit (Spend Tier) · $100
  • JSX statement credit · $100
  • United Hotels credits · $100
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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