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All comparisons
Head-to-head, 2026

Chase Southwest Rapid Rewards Plus Chase United Business

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 Plus

Chase

Southwest Rapid Rewards Plus

Annual fee
$99
Network
visa
Welcome value
$1,190
Min spend
$3,000 / 3mo

Top earning rates

  • 2×Southwest purchases · Southwest Rapid Rewards
  • 2×rapid rewards hotel and car rental partners · Southwest Rapid Rewards
  • 2×local transit and commuting · Southwest Rapid Rewards
  • 2×select streaming services · Southwest Rapid Rewards

Key benefits

  • 1% back on All Other Purchases · $200
  • Companion Pass® Qualification Support · $200
  • Two Free Checked Bags · $140
  • 2 EarlyBird Check-In® passes · $50
  • 3,000 Anniversary Points · $45
Full Chase Southwest Rapid Rewards Plus review

Chase

United Business

Annual fee
$150
Network
visa
Welcome value
$900
Min spend
$5,000 / 3mo

Top earning rates

  • 2×United purchases · United MileagePlus
  • 2×gas stations · United MileagePlus
  • 2×office supply stores · United MileagePlus
  • 2×dining · United MileagePlus

Key benefits

  • First Checked Bag Free · $140
  • 1x Base Earning Rate · $138
  • $125 United Travel Credit · $125
  • Premier Qualifying Points (PQP) Earn · $100
  • 2 United Club One-Time Passes · $100
Full Chase United Business 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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