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Chase Ink Business Preferred vs Southwest Rapid Rewards Premier Business 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. Ink Business Preferred 2.1% 1x base rate
  2. Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate

Dining

  1. Southwest Rapid Rewards Premier Business Credit Card 2.5% 2x
  2. Ink Business Preferred 2.1% 1x base rate

Gas

  1. Southwest Rapid Rewards Premier Business Credit Card 2.5% 2x
  2. Ink Business Preferred 2.1% 1x base rate

Phone & internet

  1. Ink Business Preferred 6.2% 3x
  2. Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate

Shipping

  1. Ink Business Preferred 6.2% 3x
  2. Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate

Advertising

  1. Ink Business Preferred 6.2% 3x
  2. Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate

Flights

  1. Ink Business Preferred 6.2% 3x
  2. Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate

Hotels

  1. Ink Business Preferred 6.2% 3x
  2. Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate

Lyft

  1. Ink Business Preferred 10.3% 5x
  2. Southwest Rapid Rewards Premier Business Credit Card 3.8% 3x

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Ink Business Preferred $95 and Southwest Rapid Rewards Premier Business Credit Card $149 a year, so a thin lead in one category may not cover the difference.

Where they differ: Ink Business Preferred takes everything else, phone & internet, shipping and advertising, plus 3 more; Southwest Rapid Rewards Premier Business Credit Card takes dining and gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Preferred2.1%
DiningSouthwest Rapid Rewards Premier Business Credit Card2.5%
GasSouthwest Rapid Rewards Premier Business Credit Card2.5%
Phone & internetInk Business Preferred6.2%
ShippingInk Business Preferred6.2%
AdvertisingInk Business Preferred6.2%
FlightsInk Business Preferred6.2%
HotelsInk Business Preferred6.2%
LyftInk Business Preferred10.3%

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. Ink Business Preferred — 2.1%
  2. Southwest Rapid Rewards Premier Business Credit Card — 1.3%

Dining

  1. Southwest Rapid Rewards Premier Business Credit Card — 2.5%
  2. Ink Business Preferred — 2.1%

Gas

  1. Southwest Rapid Rewards Premier Business Credit Card — 2.5%
  2. Ink Business Preferred — 2.1%

Phone & internet

  1. Ink Business Preferred — 6.2%
  2. Southwest Rapid Rewards Premier Business Credit Card — 1.3%

Shipping

  1. Ink Business Preferred — 6.2%
  2. Southwest Rapid Rewards Premier Business Credit Card — 1.3%

Advertising

  1. Ink Business Preferred — 6.2%
  2. Southwest Rapid Rewards Premier Business Credit Card — 1.3%

Flights

  1. Ink Business Preferred — 6.2%
  2. Southwest Rapid Rewards Premier Business Credit Card — 1.3%

Hotels

  1. Ink Business Preferred — 6.2%
  2. Southwest Rapid Rewards Premier Business Credit Card — 1.3%

Lyft

  1. Ink Business Preferred — 10.3%
  2. Southwest Rapid Rewards Premier Business Credit Card — 3.8%
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