CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The Chase Freedom Unlimited ($0/yr) is better for everyday value, while the Southwest Rapid Rewards Priority Credit Card ($229/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Chase Freedom Unlimited | Southwest Rapid Rewards Priority Credit Card |
|---|---|---|
| Dining | 3X | 2X |
The Southwest Rapid Rewards Priority Credit Card wins in 4 of 7 categories. The Chase Freedom Unlimited leads in 3.
Dining
Chase Freedom Unlimited earns 3X vs 2X
Drugstores
Chase Freedom Unlimited earns 3X vs 1X
Southwest Purchases
Southwest Rapid Rewards Priority Credit Card earns 3X vs 1.5X
Rapid Rewards Partners
Southwest Rapid Rewards Priority Credit Card earns 2X vs 1.5X
Internet Cable Phone
Southwest Rapid Rewards Priority Credit Card earns 2X vs 1.5X
Gas Stations
Southwest Rapid Rewards Priority Credit Card earns 2X vs 1.5X
Everyday purchases
Chase Freedom Unlimited earns 1.5X on all other spending vs 1X
The Southwest Rapid Rewards Priority Credit Card costs $229/yr — that's $229 more than the Chase Freedom Unlimited (no annual fee). To justify that gap, you need to extract at least $229 in annual value from the card's higher earn rates and benefits.
The Chase Freedom Unlimited has a lower annual fee ($0 vs $229), making it the more accessible option.
For everyday spending, the Chase Freedom Unlimited earns more with its 1.5X base rate.
Choose the Chase Freedom Unlimited if you want solid rewards with a lower cost of entry. Choose the Southwest Rapid Rewards Priority Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Chase Freedom Unlimited ($0/yr) is better for everyday value, while the Southwest Rapid Rewards Priority Credit Card ($229/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Chase Freedom Unlimited | Southwest Rapid Rewards Priority Credit Card |
|---|---|---|
| Dining | 3X | 2X |
The Southwest Rapid Rewards Priority Credit Card wins in 4 of 7 categories. The Chase Freedom Unlimited leads in 3.
Dining
Chase Freedom Unlimited earns 3X vs 2X
Drugstores
Chase Freedom Unlimited earns 3X vs 1X
Southwest Purchases
Southwest Rapid Rewards Priority Credit Card earns 3X vs 1.5X
Rapid Rewards Partners
Southwest Rapid Rewards Priority Credit Card earns 2X vs 1.5X
Internet Cable Phone
Southwest Rapid Rewards Priority Credit Card earns 2X vs 1.5X
Gas Stations
Southwest Rapid Rewards Priority Credit Card earns 2X vs 1.5X
Everyday purchases
Chase Freedom Unlimited earns 1.5X on all other spending vs 1X
The Southwest Rapid Rewards Priority Credit Card costs $229/yr — that's $229 more than the Chase Freedom Unlimited (no annual fee). To justify that gap, you need to extract at least $229 in annual value from the card's higher earn rates and benefits.
The Chase Freedom Unlimited has a lower annual fee ($0 vs $229), making it the more accessible option.
For everyday spending, the Chase Freedom Unlimited earns more with its 1.5X base rate.
Choose the Chase Freedom Unlimited if you want solid rewards with a lower cost of entry. Choose the Southwest Rapid Rewards Priority Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Chase Freedom Unlimited ($0/yr) is better for everyday value, while the Southwest Rapid Rewards Priority Credit Card ($229/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Chase Freedom Unlimited | Southwest Rapid Rewards Priority Credit Card |
|---|---|---|
| Dining | 3X | 2X |
The Southwest Rapid Rewards Priority Credit Card wins in 4 of 7 categories. The Chase Freedom Unlimited leads in 3.
Dining
Chase Freedom Unlimited earns 3X vs 2X
Drugstores
Chase Freedom Unlimited earns 3X vs 1X
Southwest Purchases
Southwest Rapid Rewards Priority Credit Card earns 3X vs 1.5X
Rapid Rewards Partners
Southwest Rapid Rewards Priority Credit Card earns 2X vs 1.5X
Internet Cable Phone
Southwest Rapid Rewards Priority Credit Card earns 2X vs 1.5X
Gas Stations
Southwest Rapid Rewards Priority Credit Card earns 2X vs 1.5X
Everyday purchases
Chase Freedom Unlimited earns 1.5X on all other spending vs 1X
The Southwest Rapid Rewards Priority Credit Card costs $229/yr — that's $229 more than the Chase Freedom Unlimited (no annual fee). To justify that gap, you need to extract at least $229 in annual value from the card's higher earn rates and benefits.
The Chase Freedom Unlimited has a lower annual fee ($0 vs $229), making it the more accessible option.
For everyday spending, the Chase Freedom Unlimited earns more with its 1.5X base rate.
Choose the Chase Freedom Unlimited if you want solid rewards with a lower cost of entry. Choose the Southwest Rapid Rewards Priority Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| Drugstores | 3X | 1X |
| Southwest Purchases | 1.5X | 3X |
| Gas Stations | 1.5X | 2X |
| Internet, Cable & Phone | 1.5X | 2X |
| Rapid Rewards Partners | 1.5X | 2X |
| Everything Else | 1.5X | 1X |
Network
Key Benefits
Pros
Cons
The Southwest Rapid Rewards Priority Credit Card offers free checked bags. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $229 difference is moderate. If you spend consistently on southwest purchases and rapid rewards partners, the Southwest Rapid Rewards Priority Credit Card's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing Chase Freedom Unlimited means losing:
Get the Chase Freedom Unlimited if you:
| Drugstores | 3X | 1X |
| Southwest Purchases | 1.5X | 3X |
| Gas Stations | 1.5X | 2X |
| Internet, Cable & Phone | 1.5X | 2X |
| Rapid Rewards Partners | 1.5X | 2X |
| Everything Else | 1.5X | 1X |
Network
Key Benefits
Pros
Cons
The Southwest Rapid Rewards Priority Credit Card offers free checked bags. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $229 difference is moderate. If you spend consistently on southwest purchases and rapid rewards partners, the Southwest Rapid Rewards Priority Credit Card's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing Chase Freedom Unlimited means losing:
Get the Chase Freedom Unlimited if you:
| Drugstores | 3X | 1X |
| Southwest Purchases | 1.5X | 3X |
| Gas Stations | 1.5X | 2X |
| Internet, Cable & Phone | 1.5X | 2X |
| Rapid Rewards Partners | 1.5X | 2X |
| Everything Else | 1.5X | 1X |
Network
Key Benefits
Pros
Cons
The Southwest Rapid Rewards Priority Credit Card offers free checked bags. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $229 difference is moderate. If you spend consistently on southwest purchases and rapid rewards partners, the Southwest Rapid Rewards Priority Credit Card's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing Chase Freedom Unlimited means losing:
Get the Chase Freedom Unlimited if you:
