pointslip milestomorrow.com

Chase Freedom Rise vs Southwest Rapid Rewards Plus

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. Freedom Rise 1.5% 1.5% base rate
  2. Southwest Rapid Rewards Plus 1.3% 1x base rate

Groceries

  1. Southwest Rapid Rewards Plus 2.5% 2x
  2. Freedom Rise 1.5% 1.5% base rate

Gas

  1. Southwest Rapid Rewards Plus 2.5% 2x
  2. Freedom Rise 1.5% 1.5% base rate

Flights

  1. Southwest Rapid Rewards Plus 2.5% 2x
  2. Freedom Rise 1.5% 1.5% base rate

Lyft

  1. Southwest Rapid Rewards Plus 2.5% 2x
  2. Freedom Rise 2.0% 2%

What the numbers are doing

Southwest Rapid Rewards Plus tops lyft at 2.5% only because this table values its points at 1.25 cents each. Value them at one cent and Freedom Rise wins that category instead.

Abroad the answer flips: Freedom Rise charges a 3% foreign transaction fee, so once that comes off the rate Southwest Rapid Rewards Plus is the better card for everyday spend.

The table is earn rate only — annual fees are not netted out of it. These cards charge Freedom Rise $0 and Southwest Rapid Rewards Plus $99 a year, so a thin lead in one category may not cover the difference.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseFreedom Rise1.5%
GroceriesSouthwest Rapid Rewards Plus2.5%
GasSouthwest Rapid Rewards Plus2.5%
FlightsSouthwest Rapid Rewards Plus2.5%
LyftSouthwest Rapid Rewards Plus2.5%

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. Freedom Rise — 1.5%
  2. Southwest Rapid Rewards Plus — 1.3%

Groceries

  1. Southwest Rapid Rewards Plus — 2.5%
  2. Freedom Rise — 1.5%

Gas

  1. Southwest Rapid Rewards Plus — 2.5%
  2. Freedom Rise — 1.5%

Flights

  1. Southwest Rapid Rewards Plus — 2.5%
  2. Freedom Rise — 1.5%

Lyft

  1. Southwest Rapid Rewards Plus — 2.5%
  2. Freedom Rise — 2.0%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.