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Chase Sapphire Reserve 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. Sapphire Reserve 2.1% 1x base rate
  2. Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate

Dining

  1. Sapphire Reserve 6.2% 3x
  2. Southwest Rapid Rewards Premier Business Credit Card 2.5% 2x

Gas

  1. Southwest Rapid Rewards Premier Business Credit Card 2.5% 2x
  2. Sapphire Reserve 2.1% 1x base rate

Travel · portal

  1. Sapphire Reserve · Chase Travel 16.4% 8x

Flights

  1. Sapphire Reserve 8.2% 4x
  2. Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate

Hotels

  1. Sapphire Reserve 8.2% 4x
  2. Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate

Peloton

  1. Sapphire Reserve 20.5% 10x
  2. Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate

Lyft

  1. Sapphire Reserve 10.3% 5x
  2. Southwest Rapid Rewards Premier Business Credit Card 3.8% 3x

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Sapphire Reserve $795 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: Sapphire Reserve takes everything else, dining, flights and hotels, plus 2 more; Southwest Rapid Rewards Premier Business Credit Card takes gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve2.1%
DiningSapphire Reserve6.2%
GasSouthwest Rapid Rewards Premier Business Credit Card2.5%
Travel · portalSapphire Reserve · Chase Travel16.4%
FlightsSapphire Reserve8.2%
HotelsSapphire Reserve8.2%
PelotonSapphire Reserve20.5%
LyftSapphire Reserve10.3%

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. Sapphire Reserve — 2.1%
  2. Southwest Rapid Rewards Premier Business Credit Card — 1.3%

Dining

  1. Sapphire Reserve — 6.2%
  2. Southwest Rapid Rewards Premier Business Credit Card — 2.5%

Gas

  1. Southwest Rapid Rewards Premier Business Credit Card — 2.5%
  2. Sapphire Reserve — 2.1%

Travel · portal

  1. Sapphire Reserve · Chase Travel — 16.4%

Flights

  1. Sapphire Reserve — 8.2%
  2. Southwest Rapid Rewards Premier Business Credit Card — 1.3%

Hotels

  1. Sapphire Reserve — 8.2%
  2. Southwest Rapid Rewards Premier Business Credit Card — 1.3%

Peloton

  1. Sapphire Reserve — 20.5%
  2. Southwest Rapid Rewards Premier Business Credit Card — 1.3%

Lyft

  1. Sapphire Reserve — 10.3%
  2. Southwest Rapid Rewards Premier Business Credit Card — 3.8%
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