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All comparisons
Head-to-head, 2026

Chase Southwest Rapid Rewards Premier Business Chase United Club Business

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

Lower annual fee: Chase United Club BusinessBigger welcome offer: Chase United Club Business

Chase

Southwest Rapid Rewards Premier Business

Annual fee
$149
Network
visa
Welcome value
$780
Min spend
$3,000 / 3mo

Top earning rates

  • 3×Southwest purchases · Southwest Rapid Rewards
  • 2×Rapid Rewards partner hotel and car rentals · Southwest Rapid Rewards
  • 2×Local transit and commuting · Southwest Rapid Rewards
  • 1×All other purchases · Southwest Rapid Rewards

Key benefits

  • Free first checked bag · $140
  • Preferred seat selection within 48 hours · $0
  • No foreign transaction fees · $0
  • Group 5 boarding · $0
  • 15% annual flight discount code · $0
Full Chase Southwest Rapid Rewards Premier Business review

Chase

United Club Business

Annual fee
$0
Network
visa
Welcome value
$1,050
Min spend
$5,000 / 3mo

Top earning rates

  • 2×United purchases · United MileagePlus
  • 1.5×All other purchases · United MileagePlus

Key benefits

  • Free first and second checked bags · $300
  • 2 global Economy Plus seat upgrades (Spend Tier) · $200
  • JSX statement credit · $200
  • Renowned Hotels and Resorts credit · $200
  • Avis or Budget United travel credit · $100
Full Chase United Club 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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