Home › Credit cards › Compare › Southwest Rapid Rewards Plus vs Chase Sapphire Preferred

Southwest Rapid Rewards Plus vs Chase Sapphire Preferred

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Chase Sapphire Preferred leads by 7.7 pts. Scores: Southwest Rapid Rewards Plus 65.7%, Chase Sapphire Preferred 73.4%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Southwest Rapid Rewards Plus nets $46/yr, Chase Sapphire Preferred nets $233/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feePlus: 8.0 · Preferred: 8.0
• Rewards ratePlus: 4.0 · Preferred: 6.0
• Sign-up bonusPlus: 6.7 · Preferred: 10
• Intro 0% APRPlus: 0.0 · Preferred: 0.0
• Regular APRPlus: 7.3 · Preferred: 7.4
• Foreign transaction feePlus: 10.0 · Preferred: 10.0
• Regulatory record (CFPB)Plus: 10.0 · Preferred: 10.0

Downsides

• Southwest Rapid Rewards Plus65.7%
  Chase · travel
  Annual fee $69 (CFPB TCCP; issuer page did not render a clear fee)APR 19.49%–27.99% variableRewards 1% baseCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ $69 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 27.99% if you carry a balance · Penalty APR up to 29.99%

• Chase Sapphire Preferred73.4%
  Chase · travel
  Annual fee $95APR 19.49%–27.74% variableRewards 5x Chase Travel; 3x dining, gas/EV, streaming & online groceries; 2x other travel; 1x otherCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ $95 annual fee · APR up to 27.74% if you carry a balance · Penalty APR up to 29.99%

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Southwest Rapid Rewards Plus or Chase Sapphire Preferred?

On VaultRubric's rubric: Chase Sapphire Preferred scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.