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Chase Ink Business Preferred vs Southwest Rapid Rewards Priority

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 Priority 1.3% 1x base rate

Dining

  1. Southwest Rapid Rewards Priority 2.5% 2x
  2. Ink Business Preferred 2.1% 1x base rate

Gas

  1. Southwest Rapid Rewards Priority 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 Priority 1.3% 1x base rate

Shipping

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

Advertising

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

Flights

  1. Ink Business Preferred 6.2% 3x
  2. Southwest Rapid Rewards Priority 5.0% 4x

Hotels

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

Lyft

  1. Ink Business Preferred 10.3% 5x
  2. Southwest Rapid Rewards Priority 6.3% 5x

What the numbers are doing

Ink Business Preferred tops flights at 6.2% only because this table values its points at 2.05 cents each. Value them at one cent and Southwest Rapid Rewards Priority wins that category instead.

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 Priority $229 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 Priority takes dining and gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Preferred2.1%
DiningSouthwest Rapid Rewards Priority2.5%
GasSouthwest Rapid Rewards Priority2.5%
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 Priority — 1.3%

Dining

  1. Southwest Rapid Rewards Priority — 2.5%
  2. Ink Business Preferred — 2.1%

Gas

  1. Southwest Rapid Rewards Priority — 2.5%
  2. Ink Business Preferred — 2.1%

Phone & internet

  1. Ink Business Preferred — 6.2%
  2. Southwest Rapid Rewards Priority — 1.3%

Shipping

  1. Ink Business Preferred — 6.2%
  2. Southwest Rapid Rewards Priority — 1.3%

Advertising

  1. Ink Business Preferred — 6.2%
  2. Southwest Rapid Rewards Priority — 1.3%

Flights

  1. Ink Business Preferred — 6.2%
  2. Southwest Rapid Rewards Priority — 5.0%

Hotels

  1. Ink Business Preferred — 6.2%
  2. Southwest Rapid Rewards Priority — 1.3%

Lyft

  1. Ink Business Preferred — 10.3%
  2. Southwest Rapid Rewards Priority — 6.3%
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