Chase Freedom Flex vs. Southwest Rapid Rewards Priority Credit Card
On the criteria below, Chase Freedom Flex wins 3 of 4. The verdict depends on which criteria matter to you.
Chase Freedom Flex
Chase
Southwest Rapid Rewards Priority Credit Card
Chase
Chase Freedom Flex wins 3 of 4 criteria here, making it the stronger all-rounder.
Chase Freedom Flex wins on first-year math, annual fee, and earning ceiling; Southwest Rapid Rewards Priority Credit Card wins on foreign transactions.
Pick the Chase Freedom Flex if year-one math is your priority; take the Chase Freedom Flex if you want a cheaper card to keep long-term.
Who wins what
3 vs 1- First-year math Chase Freedom Flex
Chase Freedom Flex wins on bonus value minus annual fee.
- Annual fee Chase Freedom Flex
Chase Freedom Flex is $229 cheaper to keep.
- Earning ceiling Chase Freedom Flex
Chase Freedom Flex earns more on its best category (5× vs 4×).
- Foreign transactions Southwest Rapid Rewards Priority Credit Card
Southwest Rapid Rewards Priority Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- $229
- Welcome offer (typical value)
- $200
- —
- First-year net
- +$200
- $-229
- Peak earning rate
- 5×
- 4×
- Top categories
- Rotating Quarterly, Chase Travel, Dining
- Airfare, Gas, Dining
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Chase Ultimate Rewards
- Southwest Rapid Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.