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All comparisons
Head-to-head, 2026

Chase Southwest Rapid Rewards Premier Business Chase United Explorer

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 Business

Chase

Southwest Rapid Rewards Premier Business

Annual fee
$149
Network
visa
Welcome value
~$800
Min spend
$3,000 / 3mo

Top earning rates

  • 3×Southwest Airlines® purchases
  • 3×Qualifying Lyft products and services
  • 2×Gas stations and restaurants
  • 1×All other purchases

Key benefits

  • Free first checked bag · $140
  • A-List tier qualifying points · $0
  • Preferred seat selection within 48 hours · $0
  • No Foreign Transaction Fees · $0
  • Group 5 boarding · $0
Full Chase Southwest Rapid Rewards Premier Business review

Chase

United Explorer

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

Top earning rates

  • 9×Eligible United flights
  • 3×All other eligible United® purchases
  • 2×Hotel stays when booked directly with the hotel
  • 2×Dining

Key benefits

  • Free first checked bag · $200
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • $100 JSX Statement Credit · $100
  • $100 United travel credit (Spend Tier) · $100
  • United Hotels credits · $100
Full Chase United Explorer 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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