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Chase Ink Business Unlimited 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 Unlimited 1.5% 1.5% 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 Unlimited 1.5% 1.5% base rate

Gas

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

Lyft

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

What the numbers are doing

Abroad the answer flips: Ink Business Unlimited charges a 3% foreign transaction fee, so once that comes off the rate Southwest Rapid Rewards Premier 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 Premier Business Credit Card $149 a year, so a thin lead in one category may not cover the difference.

Where they differ: Ink Business Unlimited takes everything else and lyft; Southwest Rapid Rewards Premier Business Credit Card takes dining and gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Unlimited1.5%
DiningSouthwest Rapid Rewards Premier Business Credit Card2.5%
GasSouthwest Rapid Rewards Premier Business Credit Card2.5%
LyftInk Business Unlimited5.0%

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

Dining

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

Gas

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

Lyft

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