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Chase Ink Business Unlimited vs Southwest Rapid Rewards Performance 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 Unlimited 1.5% 1.5% base rate
  2. Southwest Rapid Rewards Performance Business Credit Card 1.3% 1x base rate

Dining

  1. Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Gas

  1. Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Hotels

  1. Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Public transit

  1. Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Rideshare & taxis

  1. Southwest Rapid Rewards Performance Business Credit Card 2.5% 2x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Lyft

  1. Southwest Rapid Rewards Performance Business Credit Card 6.3% 5x
  2. Ink Business Unlimited 5.0% 5%

What the numbers are doing

Southwest Rapid Rewards Performance Business Credit Card tops lyft at 6.3% only because this table values its points at 1.25 cents each. Value them at one cent and Ink Business Unlimited wins that category instead.

Abroad the answer flips: Ink Business Unlimited charges a 3% foreign transaction fee, so once that comes off the rate Southwest Rapid Rewards Performance Business Credit Card is the better card for everyday spend.

The table is earn rate only — annual fees are not netted out of it. These cards charge Ink Business Unlimited $0 and Southwest Rapid Rewards Performance Business Credit Card $299 a year, so a thin lead in one category may not cover the difference.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Unlimited1.5%
DiningSouthwest Rapid Rewards Performance Business Credit Card2.5%
GasSouthwest Rapid Rewards Performance Business Credit Card2.5%
HotelsSouthwest Rapid Rewards Performance Business Credit Card2.5%
Public transitSouthwest Rapid Rewards Performance Business Credit Card2.5%
Rideshare & taxisSouthwest Rapid Rewards Performance Business Credit Card2.5%
LyftSouthwest Rapid Rewards Performance Business Credit Card6.3%

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 Unlimited — 1.5%
  2. Southwest Rapid Rewards Performance Business Credit Card — 1.3%

Dining

  1. Southwest Rapid Rewards Performance Business Credit Card — 2.5%
  2. Ink Business Unlimited — 1.5%

Gas

  1. Southwest Rapid Rewards Performance Business Credit Card — 2.5%
  2. Ink Business Unlimited — 1.5%

Hotels

  1. Southwest Rapid Rewards Performance Business Credit Card — 2.5%
  2. Ink Business Unlimited — 1.5%

Public transit

  1. Southwest Rapid Rewards Performance Business Credit Card — 2.5%
  2. Ink Business Unlimited — 1.5%

Rideshare & taxis

  1. Southwest Rapid Rewards Performance Business Credit Card — 2.5%
  2. Ink Business Unlimited — 1.5%

Lyft

  1. Southwest Rapid Rewards Performance Business Credit Card — 6.3%
  2. Ink Business Unlimited — 5.0%
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