Perqt AI Wallet logo
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 Southwest Rapid Rewards Premier BusinessBigger welcome offer: Chase Southwest Rapid Rewards Premier Business

Chase

Southwest Rapid Rewards Premier Business

Annual fee
$149
Network
visa
Welcome value
$840
Min spend
$3,000 / 3mo

Top earning rates

  • 3×Southwest purchases · Southwest Rapid Rewards
  • 2×Rapid Rewards partners · Southwest Rapid Rewards
  • 2×local transit and commuting · Southwest Rapid Rewards
  • 1×all other purchases · Southwest Rapid Rewards

Key benefits

  • 1x Base Earning Rate · $224
  • 2x on Gas and Dining · $168
  • First Checked Bag Free · $140
  • 3x on Southwest Purchases · $126
  • Complimentary Preferred Seat Selection · $100
Full Chase Southwest Rapid Rewards Premier Business review

Chase

United Club Business

Annual fee
$695
Network
visa
Welcome value
$600
Min spend
$5,000 / 3mo

Top earning rates

  • 2×United Airlines purchases · United MileagePlus
  • 1.5×all other purchases · United MileagePlus

Key benefits

  • Premier Qualifying Points (PQP) Earnings · $500
  • 1.5x Base Earning Rate · $375
  • United Club Membership · $325
  • Premier Access Travel Services · $200
  • Renowned Hotels and Resorts Credit · $200
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.

Get my personal answer