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Side-by-side

Chase Freedom Unlimited vs Southwest Rapid Rewards Premier

Both are well-respected travel cards. The Chase Freedom Unlimited comes from Chase at $0/yr; the Southwest Rapid Rewards Premier from Chase at $149/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureChase Freedom UnlimitedSouthwest Rapid Rewards Premier
Annual fee$0$149
Sign-up bonus$200 bonus55,000 bonus points
Bonus value (est.)$200-
Min spend to unlock bonus$500 in 3 mo$1,500 in 3 mo
IssuerChaseChase
Card categorycashbacktravel
Best earning category (Travel)5x3x
Transfer partnerschase-urNone
Headline benefits
  • 1.5% everywhere
  • 5% on travel via Chase
  • 3% dining + drugstores
  • Free if paired with Sapphire
  • 3x on Southwest
  • 6k anniversary points
  • Free first checked bag
  • 15% anniversary promo code
Read the full review
Chase Freedom Unlimited
$0/yr · $200 bonus
Read the full review
Southwest Rapid Rewards Premier
$149/yr · 55,000 bonus points

Editorial take: Chase Freedom Unlimited

The best no-fee cash back card in the Chase family. Stack it with a Sapphire and your cash back converts into transferable Ultimate Rewards points, a free upgrade most people miss. Note: Cell phone protection is on Freedom Flex, not Freedom Unlimited.

Editorial take: Southwest Rapid Rewards Premier

The middle tier of the Southwest portfolio after the 2025 refresh. Doubles the anniversary points and bumps the promo code from 10% to 15% vs Plus. Sweet spot for occasional Southwest flyers who don't need the Priority card's $75 travel credit or upgraded boardings.

Common questions

Which card has the bigger sign-up bonus, Chase Freedom Unlimited or Southwest Rapid Rewards Premier?
The Chase Freedom Unlimited has a public bonus ($200 bonus, worth roughly $200), while the Southwest Rapid Rewards Premier doesn't advertise one right now.
Is the Chase Freedom Unlimited's $0 annual fee worth it compared to the Southwest Rapid Rewards Premier?
The Chase Freedom Unlimited has no annual fee, so the question is whether the Southwest Rapid Rewards Premier's $149 fee is justified by its perks. If you'll use enough of the Southwest Rapid Rewards Premier's benefits to clear $149 in value annually, it's worth it; otherwise stick with the Chase Freedom Unlimited.
Can I have both the Chase Freedom Unlimited and Southwest Rapid Rewards Premier?
Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Chase Freedom Unlimited or the Southwest Rapid Rewards Premier first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Freedom Unlimited: $500 spend in 3 months. Southwest Rapid Rewards Premier: $1,500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.