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All comparisons
Head-to-head, 2026

Chase Southwest Rapid Rewards Priority 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 Priority

Chase

Southwest Rapid Rewards Priority

Annual fee
$229
Network
visa
Welcome value
$840
Min spend
$2,000 / 3mo

Top earning rates

  • 5×Qualifying Lyft products and services purchased through the Lyft mobile application · Rapid Rewards
  • 4×Southwest Airlines purchases · Rapid Rewards
  • 2×Gas stations and restaurants · Rapid Rewards
  • 1×All other purchases · Rapid Rewards

Key benefits

  • Free first checked bag · $180
  • Monthly Instacart credit · $10
  • Quarterly DoorDash non-restaurant discount · $10
  • Baggage delay insurance · $0
  • Complimentary Preferred seat at booking · $0
Full Chase Southwest Rapid Rewards Priority review

Chase

United Business

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

Top earning rates

  • 2×United Airlines purchases · United MileagePlus
  • 2×Gas stations · United MileagePlus
  • 2×Office supply stores · United MileagePlus
  • 2×Restaurants · United MileagePlus

Key benefits

  • 2 Global Economy Plus Seat Upgrades · $300
  • Free first and second checked bags · $280
  • 5,000-mile Better-Together Anniversary Bonus · $65
  • Premier Qualifying Points (PQP) Boost · $0
  • United Club Membership · $0
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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