Chase Sapphire Preferred vs Southwest Performance Business
Compare fees, current offers, and listed rewards. Add your preferences to see which card may fit better.
Chase Sapphire Preferred leads on the listed facts.
Chase Sapphire Preferred leads on 3 of 4 headline comparisons: annual fee, estimated welcome bonus, highest listed earn rate, and annual listed credits. This is a starting point; category restrictions and the benefits you actually use can change the better fit.
Best if you care most about stronger category earning on everyday spend.
Best if your main priority is the larger current welcome offer.
This comparison has not assessed your spending or eligibility. Listed credits are potential benefits, not savings; earn-rate caps and redemption choices can change their value.
What leads on the listed facts
- Chase Sapphire Preferred wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Chase Sapphire Preferred reaches 5x; Southwest Performance Business reaches 4x.
- Annual fee: Chase Sapphire Preferred is $95/yr; Southwest Performance Business is $299/yr.
- Current public bonus values: Chase Sapphire Preferred ~$750; Southwest Performance Business ~$1120.
Headline comparison · not personalized
This comparison has not assessed your spending or eligibility. Listed credits are potential benefits, not savings; earn-rate caps and redemption choices can change their value.
Why you can trust this answer
CardCurator compares measurable card economics first, then uses deeper rewards intelligence from program data, transfer partners, award charts, and live bonuses when a decision depends on the ecosystem behind the card rather than the card headline alone.
Personalize this answer without sharing sensitive data
Start with a few signals that usually decide close matchups: rough monthly spend, your top category, annual-fee tolerance, and whether you already hold either card.
This step is meant to break close ties without asking for uploads, account creation, or exact spending data.
Chase Sapphire Preferred
Assumptions: default assumptions
No personal inputs have been applied. Add your spending focus, fee preference, or current cards to explore how the comparison changes.
- Chase Travel 5x
- Dining 3x
- Gas Stations 3x
- Southwest Airlines 4x
- Rapid Rewards Hotel and Car Rental Partners 3x
- Social Media and Search Engine Advertising, Internet, Cable and Phone Services 2x
- Chase Travel Hotel Credit $100
- Global Entry / TSA PreCheck / NEXUS Credit $120
- DoorDash Monthly Promo $10
- WiFi Credit $8
- Global Entry / TSA PreCheck $100
- DashPass
- Apple TV Benefit
- 5x on Lyft Rides
- +7 more
- Four Upgraded Boardings Per Year
- In-Flight WiFi Credits
- 1,500 Tier Qualifying Points
- +1 more
- 1,500 Tier Qualifying Points toward A-List statusAfter $10,000 spend
- Flying Blue
- JetBlue TrueBlue
- KrisFlyer
- United MileagePlus
- Aer Lingus AerClub
- +10 more
Quick summary
A short version of the comparison with the main differences at a glance.
Chase Sapphire Preferred leads on 3 of 4 headline comparisons: annual fee, estimated welcome bonus, highest listed earn rate, and annual listed credits. This is a starting point; category restrictions and the benefits you actually use can change the better fit. On raw upside, Chase Sapphire Preferred tops out at 5x versus 4x for Southwest Performance Business. Current signup bonus values are roughly $750 for Chase Sapphire Preferred and $1120 for Southwest Performance Business. Summary generated October 13, 2026. Source: https://cardcurator.ai/compare/chase-sapphire-preferred-vs-southwest-performance-business
- Chase Sapphire Preferred wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Chase Sapphire Preferred reaches 5x; Southwest Performance Business reaches 4x.
- Annual fee: Chase Sapphire Preferred is $95/yr; Southwest Performance Business is $299/yr.
- Current public bonus values: Chase Sapphire Preferred ~$750; Southwest Performance Business ~$1120.
Common Questions: Chase Sapphire Preferred vs Southwest Performance Business
Is the Chase Sapphire Preferred or Southwest Performance Business better for dining?
Chase Sapphire Preferred earns 3x on dining; Southwest Performance Business has no dining bonus.
Which has the higher signup bonus in 2026?
Chase Sapphire Preferred currently offers 75,000 points (spend $5,000 in 3 months). Southwest Performance Business offers 80,000 points (spend $5,000 in 3 months). Southwest Performance Business has the larger bonus.
Which card is better for international travel?
Chase Sapphire Preferred: no foreign transaction fee listed. Southwest Performance Business: no foreign transaction fee listed. Check the issuer's current terms before using a card abroad.
Can I hold both the Chase Sapphire Preferred and the Southwest Performance Business?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Chase, so check their specific application rules.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.