Chase Freedom Unlimited vs Southwest Rapid Rewards Performance Business Credit Card
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Freedom Unlimited 1.5% 1.5% base rate
- Southwest Rapid Rewards Performance Business Credit Card 1.3% 1x base rate
Dining
- Freedom Unlimited 3.0% 3%
- Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
Gas
- Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
- Freedom Unlimited 1.5% 1.5% base rate
Travel · portal
- Freedom Unlimited · Chase Travel 5.0% 5%
Drugstores
- Freedom Unlimited 3.0% 3%
- Southwest Rapid Rewards Performance Business Credit Card 1.3% 1x base rate
Hotels
- Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
- Freedom Unlimited 1.5% 1.5% base rate
Public transit
- Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
- Freedom Unlimited 1.5% 1.5% base rate
Rideshare & taxis
- Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
- Freedom Unlimited 1.5% 1.5% base rate
Lyft
- Southwest Rapid Rewards Performance Business Credit Card 6.3% 5x
- Freedom Unlimited 2.0% 2%
What the numbers are doing
Abroad the answer flips: Freedom Unlimited charges a 3% foreign transaction fee, so once that comes off the rate Southwest Rapid Rewards Performance Business Credit Card 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 Unlimited $0 and Southwest Rapid Rewards Performance Business Credit Card $299 a year, so a thin lead in one category may not cover the difference.
Where they differ: Freedom Unlimited takes everything else, dining and drugstores; Southwest Rapid Rewards Performance Business Credit Card takes gas, hotels, public transit and rideshare & taxis, plus 1 more.
| Category | Best card |
|---|---|
| Everything else | Freedom Unlimited1.5% |
| Dining | Freedom Unlimited3.0% |
| Gas | Southwest Rapid Rewards Performance Business Credit Card2.5% |
| Travel · portal | Freedom Unlimited · Chase Travel5.0% |
| Drugstores | Freedom Unlimited3.0% |
| Hotels | Southwest Rapid Rewards Performance Business Credit Card2.5% |
| Public transit | Southwest Rapid Rewards Performance Business Credit Card2.5% |
| Rideshare & taxis | Southwest Rapid Rewards Performance Business Credit Card2.5% |
| Lyft | Southwest 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
- Freedom Unlimited — 1.5%
- Southwest Rapid Rewards Performance Business Credit Card — 1.3%
Dining
- Freedom Unlimited — 3.0%
- Southwest Rapid Rewards Performance Business Credit Card — 2.5%
Gas
- Southwest Rapid Rewards Performance Business Credit Card — 2.5%
- Freedom Unlimited — 1.5%
Travel · portal
- Freedom Unlimited · Chase Travel — 5.0%
Drugstores
- Freedom Unlimited — 3.0%
- Southwest Rapid Rewards Performance Business Credit Card — 1.3%
Hotels
- Southwest Rapid Rewards Performance Business Credit Card — 2.5%
- Freedom Unlimited — 1.5%
Public transit
- Southwest Rapid Rewards Performance Business Credit Card — 2.5%
- Freedom Unlimited — 1.5%
Rideshare & taxis
- Southwest Rapid Rewards Performance Business Credit Card — 2.5%
- Freedom Unlimited — 1.5%
Lyft
- Southwest Rapid Rewards Performance Business Credit Card — 6.3%
- Freedom Unlimited — 2.0%
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