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Chase Ink Business Unlimited 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 Unlimited 1.5% 1.5% base rate
  2. Southwest Rapid Rewards Priority 1.3% 1x base rate

Dining

  1. Southwest Rapid Rewards Priority 2.5% 2x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Gas

  1. Southwest Rapid Rewards Priority 2.5% 2x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Flights

  1. Southwest Rapid Rewards Priority 5.0% 4x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Lyft

  1. Southwest Rapid Rewards Priority 6.3% 5x
  2. Ink Business Unlimited 5.0% 5%

What the numbers are doing

Southwest Rapid Rewards Priority 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 Priority 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 Priority $229 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 Priority2.5%
GasSouthwest Rapid Rewards Priority2.5%
FlightsSouthwest Rapid Rewards Priority5.0%
LyftSouthwest Rapid Rewards Priority6.3%

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 Priority — 1.3%

Dining

  1. Southwest Rapid Rewards Priority — 2.5%
  2. Ink Business Unlimited — 1.5%

Gas

  1. Southwest Rapid Rewards Priority — 2.5%
  2. Ink Business Unlimited — 1.5%

Flights

  1. Southwest Rapid Rewards Priority — 5.0%
  2. Ink Business Unlimited — 1.5%

Lyft

  1. Southwest Rapid Rewards Priority — 6.3%
  2. Ink Business Unlimited — 5.0%
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