All comparisons
Head-to-head, 2026
Chase Southwest Rapid Rewards Performance Business Chase World of Hyatt
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
- Lost Luggage Reimbursement · $0
Chase
World of Hyatt
- Annual fee
- $95
- Network
- visa
- Welcome value
- —
- Min spend
- $3,000 / 3mo
Top earning rates
- 4×Qualifying purchases made at Hyatt hotels and resorts participating in the World of Hyatt Program and on purchases of World of Hyatt Experiences · World of Hyatt Program
- 2×Restaurants, on airline tickets purchased directly from airlines, on local transit and commuting (taxis, mass transit, tolls, parking, ride-share), and on fitness club & gym memberships · World of Hyatt Program
- 2×Purchases that normally earn 1 Bonus Point · World of Hyatt Program
- 1×All other purchases · World of Hyatt Program
Key benefits
- Extra Category 1–4 free night (Spend Tier) · $300
- Annual Category 1–4 free night · $300
- Lost luggage reimbursement · $0
- Trip cancellation and interruption insurance · $0
- Hyatt points do not expire while card is open · $0
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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