Chase Rapid Rewards Plus vs Chase Rapid Rewards Priority
On an illustrative household's spending, Chase Rapid Rewards Plus comes out about $11 a year ahead once both annual fees are paid.
The short version
- Over a year: Rapid Rewards Plus nets $275 and Rapid Rewards Priority nets $263, after fees of $99 a year and $229 a year.
- Where it flips: Below about $2,418 a month of spending, Rapid Rewards Plus comes out ahead; above it, Rapid Rewards Priority does.
- Category by category: Rapid Rewards Plus earns more on 4, Rapid Rewards Priority on 4 — the table below. Pick by where most of your money goes.
- What they pay in: both earn Southwest Rapid Rewards, so the rates compare directly.
Priced on a household spending $2,205 a month on a card — the assumption, in full. Credits, perks and welcome offers are not priced; each card's page lists them.
Where each one earns more
| Spending on | Rapid Rewards Plus per $100 |
Rapid Rewards Priority per $100 | Better |
|---|---|---|---|
| Groceries | $1.30 base rate |
$2.60 2x |
Rapid Rewards Priority |
| Restaurants & Bars | $1.30 base rate |
$2.60 2x |
Rapid Rewards Priority |
| Gas Stations | $1.30 base rate |
$2.60 2x |
Rapid Rewards Priority |
| Streaming | $2.60 2x |
$1.30 base rate |
Rapid Rewards Plus |
| Food Delivery | $1.30 base rate |
$2.60 2x |
Rapid Rewards Priority |
| Rideshare & Taxis | $2.60 2x |
$1.30 base rate |
Rapid Rewards Plus |
| Public Transit | $2.60 2x |
$1.30 base rate |
Rapid Rewards Plus |
| Phone & Internet | $2.60 2x |
$1.30 base rate |
Rapid Rewards Plus |
Only categories where the two differ and at least one pays a bonus, plus everything else. No rotating or chosen categories are switched on, and a rate that needs the issuer's travel portal is not counted.
Side by side
| Rapid Rewards Plus | Rapid Rewards Priority | |
|---|---|---|
| Issuer | Chase | Chase |
| Annual fee | $99 a year | $229 a year |
| Foreign transaction fee | not recorded | none |
| Earns | Southwest Rapid Rewards | Southwest Rapid Rewards |
| A year, before the fee | $374 | $492 |
| A year, after the fee | $275 | $263 |
| Rates checked | 2026-09 | 2026-08 |
Protections one has and the other does not
| Benefit | Rapid Rewards Plus | Rapid Rewards Priority |
|---|---|---|
| Purchase protection | — | Yes |
| Extended warranty | — | Yes |
| Free checked bag | Yes | — |
From each issuer's benefit summary (Rapid Rewards Plus: 2026-09; Rapid Rewards Priority: 2026-09). Summaries leave out exclusions — read the full guide to benefits before relying on one.
Each card on its own
- Chase Rapid Rewards Plus — every rate, where it ranks, what the issuer lists besides rewards
- Chase Rapid Rewards Priority — every rate, where it ranks, what the issuer lists besides rewards
- Every airline card, ranked
- Which card adds the most to your own wallet