The Chase Sapphire Reserve edges out the Southwest Premier 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 3x). The Southwest Premier Business is the better choice if you want no or lower annual fee.
Chase Sapphire Reserve vs Southwest Premier 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 Purchases 3x
- Rapid Rewards Hotel and Car Rental Partners 2x
- All Other Purchases 1x
- Annual Travel Credit $300
- The Edit Hotel Credit $250
- Priority Pass Select
- Chase Sapphire Lounge by The Club
- DashPass
- +3 more
- 2,000 Tier Qualifying Points toward A-List statusAfter $5,000 spend
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Chase Sapphire Reserve edges out the Southwest Premier 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 3x). The Southwest Premier Business is the better choice if you want no or lower annual fee. On raw upside, Chase Sapphire Reserve tops out at 8x versus 3x for Southwest Premier Business. Current signup bonus values are roughly $1500 for Chase Sapphire Reserve and $840 for Southwest Premier Business. Updated May 30, 2026. Source: https://cardcurator.ai/compare/chase-sapphire-reserve-vs-southwest-premier-business
- Chase Sapphire Reserve wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Chase Sapphire Reserve reaches 8x; Southwest Premier Business reaches 3x.
- Annual fee: Chase Sapphire Reserve is $795/yr; Southwest Premier Business is $149/yr.
- Current public bonus values are approximately $1500 and $840.
Common Questions: Chase Sapphire Reserve vs Southwest Premier Business
Is the Chase Sapphire Reserve or Southwest Premier Business better for dining?
Chase Sapphire Reserve earns 3x on dining; Southwest Premier 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 Premier Business offers 60,000 pts signup bonus (spend $3,000 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 Premier 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.