The Chase Sapphire Reserve edges out the Southwest Performance Business for most cardholders — it wins on 3 of 4 comparison categories and offers 150,000 pts signup bonus earns more (up to 8x vs 4x). The Southwest Performance Business is the better choice if you want no or lower annual fee.
Chase Sapphire Reserve vs Southwest Performance Business
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Chase Travel 8x
- Lyft 5x
- Flights (Direct) 4x
- Southwest Airlines 4x
- Rapid Rewards Hotel and Car Rental Partners 3x
- Social Media and Search Engine Advertising, Internet, Cable and Phone Services 2x
- Annual Travel Credit $300
- The Edit Hotel Credit $250
- WiFi Credit $8
- Global Entry / TSA PreCheck $100
- Priority Pass Select
- Chase Sapphire Lounge by The Club
- DashPass
- +3 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
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
Common Questions: Chase Sapphire Reserve vs Southwest Performance Business
Is the Chase Sapphire Reserve or Southwest Performance Business better for dining?
Chase Sapphire Reserve earns 3x on dining; Southwest Performance Business has no dining bonus.
Which has the higher signup bonus in 2026?
Chase Sapphire Reserve currently offers 150,000 pts signup bonus (spend $6,000 in 3 months). Southwest Performance Business offers 80,000 pts signup bonus (spend $5,000 in 3 months). Chase Sapphire Reserve has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Chase Sapphire Reserve 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.