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All comparisons
Head-to-head, 2026

Chase Southwest Rapid Rewards Plus Chase Southwest Rapid Rewards Premier

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 PlusBigger welcome offer: Chase Southwest Rapid Rewards Premier

Chase

Southwest Rapid Rewards Plus

Annual fee
$99
Network
visa
Welcome value
$650
Min spend
$1,000 / 3mo

Top earning rates

  • 2×Southwest Airlines® purchases, including flights, inflight, and Southwest® gift cards
  • 2×Gas stations and grocery stores
  • 2×Qualifying Lyft products and services purchased through the Lyft mobile application
  • 1×All other purchases

Key benefits

  • Free first checked bag · $140
  • Monthly Instacart credit · $10
  • DoorDash non-restaurant order discount · $10
  • 10,000 Companion Pass qualifying points boost · $0
  • No Foreign Transaction Fees · $0
Full Chase Southwest Rapid Rewards Plus review

Chase

Southwest Rapid Rewards Premier

Annual fee
$149
Network
visa
Welcome value
$770
Min spend
$1,500 / 3mo

Top earning rates

  • 3×Southwest Airlines purchases
  • 3×Qualifying Lyft products and services
  • 2×Grocery stores and restaurants
  • 1×All other purchases

Key benefits

  • First checked bag free · $140
  • DoorDash non-restaurant quarterly discount · $10
  • Monthly Instacart credit · $10
  • Group 5 boarding benefit · $0
  • Extended Warranty · $0
Full Chase Southwest Rapid Rewards 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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