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Chase Freedom Unlimited vs Southwest Rapid Rewards Priority

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 Unlimited 1.5% 1.5% base rate
  2. Southwest Rapid Rewards Priority 1.3% 1x base rate

Dining

  1. Freedom Unlimited 3.0% 3%
  2. Southwest Rapid Rewards Priority 2.5% 2x

Gas

  1. Southwest Rapid Rewards Priority 2.5% 2x
  2. Freedom Unlimited 1.5% 1.5% base rate

Travel · portal

  1. Freedom Unlimited · Chase Travel 5.0% 5%

Drugstores

  1. Freedom Unlimited 3.0% 3%
  2. Southwest Rapid Rewards Priority 1.3% 1x base rate

Flights

  1. Southwest Rapid Rewards Priority 5.0% 4x
  2. Freedom Unlimited 1.5% 1.5% base rate

Lyft

  1. Southwest Rapid Rewards Priority 6.3% 5x
  2. 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 Priority 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 Priority $229 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 Priority takes gas, flights and lyft.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseFreedom Unlimited1.5%
DiningFreedom Unlimited3.0%
GasSouthwest Rapid Rewards Priority2.5%
Travel · portalFreedom Unlimited · Chase Travel5.0%
DrugstoresFreedom Unlimited3.0%
FlightsSouthwest Rapid Rewards Priority5.0%
LyftSouthwest Rapid Rewards Priority6.3%

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. Freedom Unlimited — 1.5%
  2. Southwest Rapid Rewards Priority — 1.3%

Dining

  1. Freedom Unlimited — 3.0%
  2. Southwest Rapid Rewards Priority — 2.5%

Gas

  1. Southwest Rapid Rewards Priority — 2.5%
  2. Freedom Unlimited — 1.5%

Travel · portal

  1. Freedom Unlimited · Chase Travel — 5.0%

Drugstores

  1. Freedom Unlimited — 3.0%
  2. Southwest Rapid Rewards Priority — 1.3%

Flights

  1. Southwest Rapid Rewards Priority — 5.0%
  2. Freedom Unlimited — 1.5%

Lyft

  1. Southwest Rapid Rewards Priority — 6.3%
  2. Freedom Unlimited — 2.0%
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