Chase Sapphire Preferred vs Southwest Plus
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 this rewards ecosystem fits the cards and travel programs you already use.
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 Plus reaches 2x.
- Annual fee: Chase Sapphire Preferred is $95/yr; Southwest Plus is $99/yr.
- Current public bonus values: Chase Sapphire Preferred ~$0; Southwest Plus ~$0.
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 Purchases 2x
- Gas Stations and Grocery Stores 2x
- All Other Purchases 1x
- Chase Travel Hotel Credit $100
- Global Entry / TSA PreCheck / NEXUS Credit $120
- DoorDash Monthly Promo $10
- DashPass
- Apple TV Benefit
- 5x on Lyft Rides
- +7 more
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +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 2x for Southwest Plus. Current signup bonus values are roughly $0 for Chase Sapphire Preferred and $0 for Southwest Plus. Summary generated August 27, 2026. Source: https://cardcurator.ai/compare/chase-sapphire-preferred-vs-southwest-plus
- Chase Sapphire Preferred wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Chase Sapphire Preferred reaches 5x; Southwest Plus reaches 2x.
- Annual fee: Chase Sapphire Preferred is $95/yr; Southwest Plus is $99/yr.
- Current public bonus values: Chase Sapphire Preferred ~$0; Southwest Plus ~$0.
Common Questions: Chase Sapphire Preferred vs Southwest Plus
Is the Chase Sapphire Preferred or Southwest Plus better for dining?
Chase Sapphire Preferred earns 3x on dining; Southwest Plus has no dining bonus.
Which has the higher signup bonus in 2026?
Neither card has a current public signup bonus. Check the issuers' sites for any targeted offers.
Which card is better for international travel?
Chase Sapphire Preferred: no foreign transaction fee listed. Southwest Plus: 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 Plus?
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.