Card comparison
Which card is better between Chase Sapphire Preferred Credit Card and Southwest Rapid Rewards Priority Credit Card?
Chase Sapphire Preferred Credit Card is the better overall pick over Southwest Rapid Rewards Priority Credit Card because it leads on Madeen's weighted scorecard (53 vs 47) across categories, bonus, benefits, and fee.
Effective rate Chase Sapphire Preferred Credit Card
Annual fee Chase Sapphire Preferred Credit Card
Welcome bonus Southwest Rapid Rewards Priority Credit Card
Benefits value Southwest Rapid Rewards Priority Credit Card
Chase Sapphire Preferred Credit Card is the stronger overall pick between Chase Sapphire Preferred Credit Card and Southwest Rapid Rewards Priority Credit Card because it leads on Madeen's weighted scorecard (53 vs 47) across categories, bonus, benefits, and fee. Chase Sapphire Preferred Credit Card (3% top effective rate) vs Southwest Rapid Rewards Priority Credit Card (2.8%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Choose A if
Choose Chase Sapphire Preferred Credit Card when its strongest categories, bonus, or perks match how you actually spend.
Choose B if
Choose Southwest Rapid Rewards Priority Credit Card when the fee, welcome bonus, or issuer ecosystem fits better than the headline winner.
Full comparison
How do Chase Sapphire Preferred Credit Card and Southwest Rapid Rewards Priority Credit Card compare across all spend categories?
Across all five spend categories, Chase Sapphire Preferred Credit Card and Southwest Rapid Rewards Priority Credit Card trade wins row by row. Chase Sapphire Preferred Credit Card peaks at 3% effective; Southwest Rapid Rewards Priority Credit Card peaks at 2.8%. Chase Sapphire Preferred Credit Card wins the headline effective-rate view in this pair.
| Category / metric | Chase Sapphire Preferred Credit Card | Southwest Rapid Rewards Priority Credit Card | Winner |
|---|---|---|---|
| Dining | 3x points (3%) | 2x miles (2.8%) | Chase Sapphire Preferred Credit Card · 0.2 pts |
| Grocery | 1x points (1%) | 1x miles (1.4%) | Southwest Rapid Rewards Priority Credit Card · 0.4 pts |
| Gas | 3x points (3%) | 2x miles (2.8%) | Chase Sapphire Preferred Credit Card · 0.2 pts |
| Travel | 1x points (1%) | 1x miles (1.4%) | Southwest Rapid Rewards Priority Credit Card · 0.4 pts |
| Other | 3x points (3%) | 1x miles (1.4%) | Chase Sapphire Preferred Credit Card · 1.6 pts |
| Welcome bonus | ~$1000 estimated | ~$1260 estimated | Southwest Rapid Rewards Priority Credit Card |
| Est. annual benefits | $814/yr | $864/yr | Southwest Rapid Rewards Priority Credit Card |
| Annual fee | $95 | $229 | Chase Sapphire Preferred Credit Card |
| Holistic overall | 53 pts (cat 22, bonus 9, benefits 12, fee 10) | 47 pts (cat 18, bonus 11, benefits 13, fee 5) | Chase Sapphire Preferred Credit Card |
Madeen take
How to think about this pair
Chase Sapphire Preferred Credit Card (3% top effective rate) vs Southwest Rapid Rewards Priority Credit Card (2.8%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Strategy
Use Chase Sapphire Preferred Credit Card when Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Use Southwest Rapid Rewards Priority Credit Card when Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if.
Hold both?
Many Chase users can hold both cards if each covers a different spend lane and the combined annual fees still clear your break-even math.
Welcome bonus playbook
If you are chasing a welcome bonus, Southwest Rapid Rewards Priority Credit Card leads on catalog bonus value. For long-term category earn after the bonus, Chase Sapphire Preferred Credit Card is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Madeen analysis
Which card has stronger benefits: Chase Sapphire Preferred Credit Card or Southwest Rapid Rewards Priority Credit Card?
Madeen estimates $814 annual benefit value on Chase Sapphire Preferred Credit Card versus $864 on Southwest Rapid Rewards Priority Credit Card. Credits only matter if you will use them.
Chase Sapphire Preferred Credit Card
Total est. value: $814/yr
Credits and perks only help if you will actually use them in a typical year.
- Sofar Sounds $240/yr
- Visa Signature Concierge $150/yr
- OpenTable $120/yr
- Priority Pass airport lounge access $99/yr
- Roadside Assistance $50/yr
Southwest Rapid Rewards Priority Credit Card
Total est. value: $864/yr
Credits and perks only help if you will actually use them in a typical year.
- Sofar Sounds $240/yr
- Visa Signature Concierge $150/yr
- OpenTable $120/yr
- Priority Pass airport lounge access $99/yr
- First Checked Bag Free $60/yr
Welcome bonus
Which welcome bonus is stronger for Chase Sapphire Preferred Credit Card or Southwest Rapid Rewards Priority Credit Card?
If you are chasing a welcome bonus, Southwest Rapid Rewards Priority Credit Card leads on catalog bonus value. For long-term category earn after the bonus, Chase Sapphire Preferred Credit Card is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend. Chase Sapphire Preferred Credit Card lists 100k Chase Ultimate Rewards; Southwest Rapid Rewards Priority Credit Card lists 90k Southwest Rapid Rewards.
Chase Sapphire Preferred Credit Card
100k Chase Ultimate Rewards
Southwest Rapid Rewards Priority Credit Card
90k Southwest Rapid Rewards
Caps & conditions
Caps and earn limits
Both Chase Sapphire Preferred Credit Card and Southwest Rapid Rewards Priority Credit Card carry structured reward caps in the catalog. Compare the category that matters most before assuming the headline multiplier lasts all year.
Chase Sapphire Preferred Credit Card
- Earn 3x points on dining
- Earn 3x points on gas stations and EV charging
- Earn 3x points on top streaming services
Southwest Rapid Rewards Priority Credit Card
- Earn 2 points for each dollar spent at restaurants
- Earn 2 points for each dollar spent at gas stations
Who should pick which
Scenario playbook
Cashback-first user
Pick Chase Sapphire Preferred Credit Card
Chase Sapphire Preferred Credit Card is the better cashback-style pick because it has the cleaner effective-rate and fee blend for this pair.
Travel & points user
Pick Southwest Rapid Rewards Priority Credit Card
Southwest Rapid Rewards Priority Credit Card is the stronger travel-style pick because it combines better reward value with more travel-friendly positioning.
No annual fee priority
Pick Chase Sapphire Preferred Credit Card
Chase Sapphire Preferred Credit Card is easier to keep for no-fee users because it has the lighter annual-fee burden in this pair.
Heavy dining spend
Pick Chase Sapphire Preferred Credit Card
For restaurant and dining-coded spend, the winner is whoever posts the stronger dining effective rate after caps and exclusions — see the category matrix for the current snapshot.
Heavy grocery spend
Pick Southwest Rapid Rewards Priority Credit Card
Supermarket and grocery coding can differ from superstores and delivery, so compare the grocery row before you optimize a weekly shopping basket.
Welcome bonus chaser
Pick Southwest Rapid Rewards Priority Credit Card
If you are chasing a welcome bonus, Southwest Rapid Rewards Priority Credit Card leads on catalog bonus value. For long-term category earn after the bonus, Chase Sapphire Preferred Credit Card is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Fee-sensitive keeper
Pick Chase Sapphire Preferred Credit Card
When you want the card that is easiest to keep year two, annual fee often matters more than a narrow category edge.
Decision guide
Which card is better between Chase Sapphire Preferred Credit Card and Southwest Rapid Rewards Priority Credit Card?
Chase Sapphire Preferred Credit Card is the better overall pick because it leads on Madeen's weighted scorecard (53 vs 47) across categories, bonus, benefits, and fee. Chase Sapphire Preferred Credit Card (3% top effective rate) vs Southwest Rapid Rewards Priority Credit Card (2.8%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
When should you pick Chase Sapphire Preferred Credit Card over Southwest Rapid Rewards Priority Credit Card?
Choose Chase Sapphire Preferred Credit Card if Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is dining at about 3% effective (3x points).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
Tradeoffs
- $95 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
When should you pick Southwest Rapid Rewards Priority Credit Card over Chase Sapphire Preferred Credit Card?
Choose Southwest Rapid Rewards Priority Credit Card if Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.. Best for dining-heavy spend when the $229 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is dining at about 2.8% effective (2x miles).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
Tradeoffs
- $229 annual fee requires enough spend in bonus categories to offset.
- Southwest Rapid Rewards value depends on how you redeem, not straight cash back.
Common questions about Chase Sapphire Preferred Credit Card vs Southwest Rapid Rewards Priority Credit Card
Which card is better between Chase Sapphire Preferred Credit Card and Southwest Rapid Rewards Priority Credit Card?
Chase Sapphire Preferred Credit Card is the stronger overall fit because it leads on Madeen's weighted scorecard (53 vs 47) across categories, bonus, benefits, and fee. The overall winner depends on your spend mix — use the scorecard rows and scenario playbook to see where each card actually wins.
Which card wins on dining: Chase Sapphire Preferred Credit Card or Southwest Rapid Rewards Priority Credit Card?
Chase Sapphire Preferred Credit Card leads dining at 3% effective versus 2.8%.
Which card is better for cashback users: Chase Sapphire Preferred Credit Card or Southwest Rapid Rewards Priority Credit Card?
Chase Sapphire Preferred Credit Card is the better cashback-style pick between Chase Sapphire Preferred Credit Card and Southwest Rapid Rewards Priority Credit Card.
Which welcome bonus is stronger between Chase Sapphire Preferred Credit Card and Southwest Rapid Rewards Priority Credit Card?
If you are chasing a welcome bonus, Southwest Rapid Rewards Priority Credit Card leads on catalog bonus value. For long-term category earn after the bonus, Chase Sapphire Preferred Credit Card is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Which card has stronger benefits: Chase Sapphire Preferred Credit Card or Southwest Rapid Rewards Priority Credit Card?
Southwest Rapid Rewards Priority Credit Card leads on estimated annual benefit value in the Madeen snapshot.
Which card has the lower annual fee: Chase Sapphire Preferred Credit Card or Southwest Rapid Rewards Priority Credit Card?
Chase Sapphire Preferred Credit Card has the simpler fee story in this pair ($95 vs $229). Annual fee only wins if you use the rewards and credits that justify it.
Is Chase Sapphire Preferred Credit Card or Southwest Rapid Rewards Priority Credit Card better for travel spend?
Southwest Rapid Rewards Priority Credit Card is the stronger travel-style pick between Chase Sapphire Preferred Credit Card and Southwest Rapid Rewards Priority Credit Card in this snapshot.
Can you hold both Chase cards?
Yes, many people can hold both Chase cards when each covers a different spend lane and the combined fees still make sense.
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Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-07-18
Content tier Premium depth
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