All comparisons
Head-to-head, 2026
Chase Southwest Rapid Rewards Performance Business Chase United Quest
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 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
- Extended Warranty · $0
Chase
United Quest
- Annual fee
- $250
- Network
- visa
- Welcome value
- —
- Min spend
- $4,000 / 3mo
Top earning rates
- 5×Hotel accommodation purchases made using your card with Renowned Hotels and Resorts for United® Cardmembers · MileagePlus
- 4×Airline tickets purchased from United, and on the following purchases made from United: seat upgrades; Economy Plus®; inflight food, beverages and Wi-Fi; baggage service charges or other United fees · MileagePlus
- 4×United Card Events from Chase · MileagePlus
- 2×Dining at restaurants including takeout and eligible delivery services · MileagePlus
Key benefits
- Free first and second checked bags · $440
- Two global Economy Plus upgrades (Spend Tier) · $200
- $200 annual United travel credit · $200
- JSX statement credit · $150
- Renowned Hotels and Resorts statement credit · $150
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