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All comparisons
Head-to-head, 2026

Chase Southwest Rapid Rewards Performance Business Citi Strata Premier

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Citi Strata Premier

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
Full Chase Southwest Rapid Rewards Performance Business review

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
—
Min spend
$4,000 / 3mo

Top earning rates

  • 3×Air travel and other hotel purchases · ThankYou Points
  • 3×Restaurants · ThankYou Points
  • 3×Supermarkets · ThankYou Points
  • 3×Gas and EV charging stations · ThankYou Points

Key benefits

  • $100 Annual Hotel Benefit · $100
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
  • The Reserve by Citi Travel Hotel Benefits · $0
  • Trip Cancellation and Interruption Insurance · $0
Full Citi Strata Premier 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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