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Southwest Rapid Rewards Performance Business vs Southwest Rapid Rewards Premier Business
Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.
Economics
Annual fee
$299
$149
$150/yr less
Ongoing annual value
$29
$75
$46/yr more
Net value (value − fee)
−$270
−$74
$196/yr more
First-year value estimate
$651
$74/yr more
$577
Authorized user fee
—
—
Sign-up Bonus
Current offer
80K points after $5K spend within first 3 months
60K points after $3K spend in first 3 months
Earning
Dining
2X2.6%
—
Hotel accommodations booked directly
2X2.6%
—
Local transit and commuting
2X2.6%
—
Lyft (through 12/31/2027; must be default payment method in Lyft app)
5X6.5%
3X3.9%
U.S. restaurants
—
2X2.6%
Southwest purchases
4X5.2%
3X3.9%
Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.
Benefits
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
- Instacart: $10 (Monthly)
- DoorDash: $10 (Quarterly)
- Instacart: $10 (Monthly)
- DoorDash: $10 (Quarterly)
- Southwest Rapid Rewards
- Southwest Rapid Rewards
Statement credits
Lounge access
—
—
Elite status
Protections
6
6
The same on both cards (7)
Foreign transaction fee
None
None
Issuer
Chase
Chase
Rewards currency
Southwest Rapid Rewards
Southwest Rapid Rewards
Card type
Business
Business
Network
Visa
Visa
All other purchases
1X1.3%
1X1.3%
Gas stations
2X2.6%
2X2.6%
Which one is right for you
This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.
Ask Miles which to getNo ads, no paid placement · Your wallet, your math