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Chase Sapphire Reserve® vs Southwest Credit Card

Compare Rewards, Interest Rates, Fees, and Benefits

Chase is a CreditDonkey partner. We receive compensation if you apply and get approved for a card through links in our content. You do not have to use our links, but you help support CreditDonkey if you do. (read more)

Chase Sapphire Reserve is an ultra premium credit card for luxury travelers. How does it compare to Southwest Credit Card from Chase, an airline card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Reserve has a $550 annual fee, while the Southwest Credit Card has a $99 annual fee.

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Chase Sapphire Reserve®

Southwest Rapid Rewards Premier Credit Card

 

Credit Card Interest Rates & Fees

Purchase APR16.99% to 23.99% Variable based on your creditworthiness and other factors15.99% to 22.99% Variable based on your creditworthiness and other factors
Balance Transfers APR16.99% to 23.99% Variable based on your creditworthiness and other factors15.99% to 22.99% Variable based on your creditworthiness and other factors
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$550 annual fee$99 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Airline Rewards Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
Introductory Bonus OfferEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards® 
Travel RewardsEarn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases.
1:1 point transfer to leading airline and hotel loyalty programs
 
Airline Rewards1:1 point transfer to leading airline and hotel loyalty programs2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases
Bonus Airline Rewards 6,000 bonus points after your Cardmember anniversary
Hotel Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Point RewardsEarn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases 
Airline Status$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit.
Complimentary Priority Pass™ Select membership for access to 1,300+ airport lounges worldwide. One-time enrollment required for Priority Pass Select
There are no blackout dates or seat restrictions when you redeem with points. Bags fly free and there are no change fees.
Dining Rewards3X points on dining at restaurants 
Airline Transfer PartnersChase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus. 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Bonus points
  • Annual travel credit
  • Elite travel benefits
Cons:
  • $550 annual fee
  • No introductory annual fee
  • No intro APR
Bottom LineUltra premium credit card for luxury travelers... Read full review
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See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase.

Disclaimer: The information for the Southwest Rapid Rewards Premier Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Southwest Credit Card: Pricing information including interest rates, benefits and fees was obtained on July 15, 2021 from published websites and is believed to be accurate, but not guaranteed.

Still need help deciding which airline credit card is better? Read the in-depth reviews below. You may also be interested in comparing Chase Sapphire Reserve or Chase Sapphire Preferred.


Articles on Chase Sapphire Reserve®

Chase Sapphire Reserve

With excellent rewards and premium travel benefits, the Chase Sapphire Reserve is meant for frequent travelers. Read on to decide if the $550 annual fee is worth it for you.

Chase Sapphire Reserve Benefits

Chase Sapphire Reserve has benefits you may not know. Don't waste these valuable perks. Read this guide to maximize Chase Sapphire Reserve benefits.

Chase Sapphire Reserve Credit Score

You usually need an excellent credit score for Chase Sapphire Reserve (720+). But this is not the only factor. Here's how to improve your approval odds.

Chase Sapphire Reserve Lounge Access

Airport lounge access is one of Chase Sapphire Reserve's best benefits. Learn how to maximize this benefit including what lounges you can enter, how to use it, and the guest policy.

Chase Sapphire Reserve Rental Car Insurance

Chase Sapphire Reserve offers primary coverage for rental cars. Learn what this covers, how to use it, and how to file a claim.

Chase Sapphire Reserve Credit Limit

Many Chase Sapphire Reserve users receive a credit limit of $10,000 - $25,000. Find out how Chase determines your credit limit and how to get an increase.
Chase Sapphire Reserve Priority Pass: What You Need to Know

Chase Sapphire Reserve Priority Pass

Priority Pass membership is one of Chase Sapphire Reserve's best benefits. Here is everything you need to know to sign up, activate and use it.

Which Do You Like and Why?





Compare Chase Sapphire Reserve to:

Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
15.99% - 22.99% Variable
Annual Fee
$95
American Express Platinum

The Platinum Card® from American Express

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/ASee Pay Over Time APR
Annual Fee
$695
American Express Gold

American Express® Gold Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/ASee Pay Over Time APR
Annual Fee
$250

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Compare Southwest Credit Card to:

Delta SkyMiles Gold
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.74% - 24.74% Variable
$0 introductory annual fee for the first year, then $99
Beginner's Guide to Airline Miles and Points

Airline Miles for Beginners

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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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