Perqt AI Wallet logo
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 Explorer

Chase

Southwest Rapid Rewards Performance Business

Annual fee
$299
Network
visa
Welcome value
$1,120
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Qualifying Lyft products and services · Rapid Rewards
  • 4×Southwest Airlines® purchases · Rapid Rewards
  • 2×Gas stations and restaurants · Rapid Rewards
  • 2×Local transit and commuting, including rideshare · 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
  • No Foreign Transaction Fees · $0
Full Chase Southwest Rapid Rewards Performance Business review

Chase

United Explorer

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

Top earning rates

  • 9×Eligible United flights
  • 3×All other eligible United® purchases
  • 2×Hotel stays when booked directly with the hotel
  • 2×Dining

Key benefits

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

Get my personal answer