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Chase Ink Business Premier vs Southwest Rapid Rewards Plus

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 Premier 2.0% 2% base rate
  2. Southwest Rapid Rewards Plus 1.3% 1x base rate

Groceries

  1. Southwest Rapid Rewards Plus 2.5% 2x
  2. Ink Business Premier 2.0% 2% base rate

Gas

  1. Southwest Rapid Rewards Plus 2.5% 2x
  2. Ink Business Premier 2.0% 2% base rate

Travel · portal

  1. Ink Business Premier · Chase Travel 5.0% 5%

Flights

  1. Southwest Rapid Rewards Plus 2.5% 2x
  2. Ink Business Premier 2.0% 2% base rate

Lyft

  1. Ink Business Premier 5.0% 5%
  2. Southwest Rapid Rewards Plus 2.5% 2x

What the numbers are doing

Southwest Rapid Rewards Plus tops groceries at 2.5% only because this table values its points at 1.25 cents each. Value them at one cent and Ink Business Premier wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Ink Business Premier $195 and Southwest Rapid Rewards Plus $99 a year, so a thin lead in one category may not cover the difference.

Where they differ: Ink Business Premier takes everything else and lyft; Southwest Rapid Rewards Plus takes groceries, gas and flights.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Premier2.0%
GroceriesSouthwest Rapid Rewards Plus2.5%
GasSouthwest Rapid Rewards Plus2.5%
Travel · portalInk Business Premier · Chase Travel5.0%
FlightsSouthwest Rapid Rewards Plus2.5%
LyftInk Business Premier5.0%

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. Ink Business Premier — 2.0%
  2. Southwest Rapid Rewards Plus — 1.3%

Groceries

  1. Southwest Rapid Rewards Plus — 2.5%
  2. Ink Business Premier — 2.0%

Gas

  1. Southwest Rapid Rewards Plus — 2.5%
  2. Ink Business Premier — 2.0%

Travel · portal

  1. Ink Business Premier · Chase Travel — 5.0%

Flights

  1. Southwest Rapid Rewards Plus — 2.5%
  2. Ink Business Premier — 2.0%

Lyft

  1. Ink Business Premier — 5.0%
  2. Southwest Rapid Rewards Plus — 2.5%
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