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Chase Ink Business Cash vs Southwest Rapid Rewards Premier Credit Card

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. Southwest Rapid Rewards Premier Credit Card 1.3% 1x base rate
  2. Ink Business Cash 1.0% 1% base rate

Dining

  1. Southwest Rapid Rewards Premier Credit Card 2.5% 2x
  2. Ink Business Cash 2.0% 2%

Groceries

  1. Southwest Rapid Rewards Premier Credit Card 2.5% 2x
  2. Ink Business Cash 1.0% 1% base rate

Gas

  1. Ink Business Cash 2.0% 2%
  2. Southwest Rapid Rewards Premier Credit Card 1.3% 1x base rate

Phone & internet

  1. Ink Business Cash 5.0% 5%
  2. Southwest Rapid Rewards Premier Credit Card 1.3% 1x base rate

Lyft

  1. Ink Business Cash 5.0% 5%
  2. Southwest Rapid Rewards Premier Credit Card 3.8% 3x

What the numbers are doing

Southwest Rapid Rewards Premier Credit Card tops everything else at 1.3% only because this table values its points at 1.25 cents each. Value them at one cent and Ink Business Cash wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Ink Business Cash $0 and Southwest Rapid Rewards Premier Credit Card $149 a year, so a thin lead in one category may not cover the difference.

Where they differ: Southwest Rapid Rewards Premier Credit Card takes everything else, dining and groceries; Ink Business Cash takes gas, phone & internet and lyft.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSouthwest Rapid Rewards Premier Credit Card1.3%
DiningSouthwest Rapid Rewards Premier Credit Card2.5%
GroceriesSouthwest Rapid Rewards Premier Credit Card2.5%
GasInk Business Cash2.0%
Phone & internetInk Business Cash5.0%
LyftInk Business Cash5.0%

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. Southwest Rapid Rewards Premier Credit Card — 1.3%
  2. Ink Business Cash — 1.0%

Dining

  1. Southwest Rapid Rewards Premier Credit Card — 2.5%
  2. Ink Business Cash — 2.0%

Groceries

  1. Southwest Rapid Rewards Premier Credit Card — 2.5%
  2. Ink Business Cash — 1.0%

Gas

  1. Ink Business Cash — 2.0%
  2. Southwest Rapid Rewards Premier Credit Card — 1.3%

Phone & internet

  1. Ink Business Cash — 5.0%
  2. Southwest Rapid Rewards Premier Credit Card — 1.3%

Lyft

  1. Ink Business Cash — 5.0%
  2. Southwest Rapid Rewards Premier Credit Card — 3.8%
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