Compare Cards: Chase Southwest Priority vs. Chase Sapphire Preferred® Card vs. United℠ Explorer Card

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Earning Rates	Chase Southwest Priority Chase airline Details	Chase Sapphire Preferred® Card Chase travelpremiumtransferabledining Details	United℠ Explorer Card Chase airline Details
First-year value Welcome offer + annual credits − annual fee	+$586	+$1,280	+$1,230
Annual Fee	$229	$95	$150
Credit Required	Good	Excellent	Good
Foreign Fee	Waived	Waived	Waived
Welcome Offer	50,000 pts Earn 50,000 Southwest Rapid Rewards points after spending $1,000 in purchases in the first 3 months from account opening. Spend $1,000 in 3 mo	75,000 pts Earn 75,000 Ultimate Rewards points after spending $5,000 in purchases in the first 3 months from account opening. Updated after the 100,000-point limited-time offer ended; Chase official page showed 75,000 points on 2026-07-30. Spend $5,000 in 3 mo	60,000 pts Earn up to 60,000 bonus miles: 50,000 bonus miles after spending $3,000 in the first 3 months, plus 10,000 bonus miles after adding an authorized user in the first 3 months. Spend $3,000 in 3 mo
Network	visa	visa	visa
Earning Rates
All other purchases	2×	—	—
All other travel	—	2× Earn 2x points on all other travel worldwide	—
Default	—	—	1× On all other purchases
Dining	—	3× Earn 3x points on dining worldwide, including takeout and eligible delivery services	2× On dining, including delivery services
Gas and EV charging	—	3× NEW 3x points on gas and EV charging	—
Hotel Direct	—	—	2× On hotel stays when booked with the hotel
Online grocery purchases	—	3× NEW 3x points on online grocery purchases (excluding Walmart, Target, and wholesale clubs)	—
Other	—	1× Earn 1x points on all other purchases	—
Southwest	3×	—	—
Top streaming services	—	3× NEW 3x points on top streaming services	—
Travel	—	5× Earn 5x points on Chase Travel purchases	—
United Flights	—	—	9× 6x member + 3x card for MileagePlus member's fare
United Purchases	—	—	3× On all other United purchases
Vacation homes	—	3× NEW 3x points on vacation homes at top brands like Airbnb and Vrbo	—
Benefits & Credits	Annual Credits Southwest Travel Credit - $75 Southwest travel credit each year, usable on Southwest Airlines purchases DoorDash Non-Restaurant Credit - Up to $10 off one qualifying non-restaurant DoorDash order each calendar quarter (DashMart, 7-Eleven, CVS, Safeway, etc	Annual Credits Chase Travel Hotel Credit - $100/year on hotels booked through Chase Travel portal Other Benefits Trip Cancellation/Interruption Insurance: Up to $10,000 per covered trip Auto Rental Collision Damage Waiver: Primary coverage Travel Emergency Services: 24/7 assistance Emergency Evacuation and Transportation: Up to $100,000 in coverage Complimentary Apple TV: One year when activated by December 31, 2026	Annual Credits United Hotels Credit - $50/half ($100/yr) on hotels booked through United Renowned Hotels & Resorts Credit - Up to $100/year statement credit on Renowned Hotels and Resorts bookings via United for cardmembers Rideshare Credit - $5/month ($60/yr) on rideshare purchases Avis/Budget Credit - Up to $50/yr ($25 × 2) United TravelBank cash for booking Avis or Budget rentals via United Instacart Credit - $10/month ($120/yr) on Instacart JSX Credit - $100/yr on flights booked directly through JSX DoorDash Non-Restaurant Credit - Up to $10 off one qualifying non-restaurant DoorDash order each calendar quarter (DashMart, 7-Eleven, CVS, Safeway, etc Other Benefits United Club Passes: 2 one-time passes every account anniversary year Free 1st Checked Bag: Primary cardmember and one companion save up to $160 per roundtrip Priority Boarding: Board United-operated flights prior to general boarding Global Entry/TSA PreCheck: Up to $120 statement credit every 4 years
Insurance		Trip Cancellation Trip Delay Primary Purchase Protection Return Protection Extended Warranty	Trip Delay Primary Purchase Protection Extended Warranty