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Chase Freedom Flex vs Southwest Rapid Rewards Performance Business Credit Card

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Southwest Rapid Rewards Performance Business Credit Card 1.3% 1x base rate
  2. Freedom Flex 1.0% 1% base rate

Dining

  1. Freedom Flex 7.0% 7%: 3% plus the rotating bonus this quarter
  2. Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x

Groceries

  1. Freedom Flex 5.0% 5%, rotating this quarter
  2. Southwest Rapid Rewards Performance Business Credit Card 1.3% 1x base rate

Gas

  1. Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
  2. Freedom Flex 1.0% 1% base rate

Travel · portal

  1. Freedom Flex · Chase Travel 5.0% 5%

Drugstores

  1. Freedom Flex 3.0% 3%
  2. Southwest Rapid Rewards Performance Business Credit Card 1.3% 1x base rate

Hotels

  1. Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
  2. Freedom Flex 1.0% 1% base rate

Public transit

  1. Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
  2. Freedom Flex 1.0% 1% base rate

Rideshare & taxis

  1. Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
  2. Freedom Flex 1.0% 1% base rate

Lyft

  1. Southwest Rapid Rewards Performance Business Credit Card 6.3% 5x
  2. Freedom Flex 2.0% 2%

What the numbers are doing

Freedom Flex wins dining at 7% because the rotating calendar is on it this quarter, stacked on the card's own 3%. The quarter ends December 31, 2026; after it the card earns 3% there, and no later quarter in the published calendar brings it back.

Southwest Rapid Rewards Performance Business Credit Card tops everything else at 1.3% only because this table values its points at 1.25 cents each. Value them at one cent and Freedom Flex wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Freedom Flex $0 and Southwest Rapid Rewards Performance Business Credit Card $299 a year, so a thin lead in one category may not cover the difference.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSouthwest Rapid Rewards Performance Business Credit Card1.3%
DiningFreedom Flex7.0%
GroceriesFreedom Flex5.0%
GasSouthwest Rapid Rewards Performance Business Credit Card2.5%
Travel · portalFreedom Flex · Chase Travel5.0%
DrugstoresFreedom Flex3.0%
HotelsSouthwest Rapid Rewards Performance Business Credit Card2.5%
Public transitSouthwest Rapid Rewards Performance Business Credit Card2.5%
Rideshare & taxisSouthwest Rapid Rewards Performance Business Credit Card2.5%
LyftSouthwest Rapid Rewards Performance Business Credit Card6.3%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Southwest Rapid Rewards Performance Business Credit Card — 1.3%
  2. Freedom Flex — 1.0%

Dining

  1. Freedom Flex — 7.0%
  2. Southwest Rapid Rewards Performance Business Credit Card — 2.5%

Groceries

  1. Freedom Flex — 5.0%
  2. Southwest Rapid Rewards Performance Business Credit Card — 1.3%

Gas

  1. Southwest Rapid Rewards Performance Business Credit Card — 2.5%
  2. Freedom Flex — 1.0%

Travel · portal

  1. Freedom Flex · Chase Travel — 5.0%

Drugstores

  1. Freedom Flex — 3.0%
  2. Southwest Rapid Rewards Performance Business Credit Card — 1.3%

Hotels

  1. Southwest Rapid Rewards Performance Business Credit Card — 2.5%
  2. Freedom Flex — 1.0%

Public transit

  1. Southwest Rapid Rewards Performance Business Credit Card — 2.5%
  2. Freedom Flex — 1.0%

Rideshare & taxis

  1. Southwest Rapid Rewards Performance Business Credit Card — 2.5%
  2. Freedom Flex — 1.0%

Lyft

  1. Southwest Rapid Rewards Performance Business Credit Card — 6.3%
  2. Freedom Flex — 2.0%
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