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VS

Compare the Features and Benefits of Southwest® Rapid Rewards® Premier Business Credit Card and
Chase Ink Business Premier℠ Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Primary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Trip Protections
Roadside Assistance
Travel and Emergency Assistance Services
Does Not Report Credit Line to Personal Credit Profile
No Fees for Authorized Users
No Foreign Transaction Fees
Annual Statement Credits
Free Checked Bags
Cell Phone Protection
Annual Fee
$99
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
3x Airfare

Earn 3X on Southwest flights booked directly; otherwise earn 1X

2x Transit
2x Hotels

Only when booked via the Rapid Rewards portal; Otherwise earn 1X.

2x Car Rentals

Only when booked via the Rapid Rewards portal; Otherwise earn 1X.

1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.9) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

Small business owners that occasionally fly Southwest should consider getting the Southwest Premier Business Credit Card. You’ll get a solid earning rate on Southwest Airlines purchases and select travel purchases, a statement credit for two EarlyBird Check-Ins each card membership year, plus 25% back on inflight purchases.

Get onboard earlier thanks to two EarlyBird Check-In purchases annually.

In addition to the bonus points earned after account opening, cardholders earn points at a rate of 3x Rapid Rewards points on Southwest purchases, 2x points on Southwest Rapid Rewards hotel and car rental partner purchases, local transit, commuting, and ride-hailing services, and 1x Rapid Rewards points on all other purchases.

When you earn points through the Southwest Premier Business Credit Card, they count toward earning the Southwest Companion Pass. Plus you’ll earn 1,500 Tier-Qualifying Points toward A-List status for every $10,000 spent on the card in a calendar year.

You can boost your point earnings by adding employee cards at no additional cost. If you want a unique way to reward your employees, the Southwest Premier Business Card reimburses up to $500 in fees for points transfers.

Earn points that have no blackout dates on Southwest Airlines flights.

When you go to redeem points, Southwest offers a simple rewards structure. You’ll pay between 81 and 83 Rapid Rewards points per dollar of base fare on Southwest flights, valuing the points around 1.4 cents each. While there are no blackout dates, that also means there’s no way of getting more value from your Rapid Rewards points.

Although the Southwest Premier Business Card is a solid card, Southwest frequent travelers should strongly consider getting the Southwest Performance Business Credit Card instead. For a $199 annual fee, you’ll earn higher rewards in several rewards categories: 4x bonus points on Southwest purchases, 3x points on Rapid Rewards hotel and car rental partner purchases, 2x points on social media and search engine advertising, internet, cable, and phone services, and 1x on other purchases. Plus, you’ll get four Upgraded Boardings each year and a Global Entry or TSA PreCheck application fee statement credit.

Lastly, this card is great for getting halfway to a Southwest Companion Pass with the bonus offer. Read our guide on earning a Southwest Companion Pass for up to two years via new account bonuses.

Read more
Unique Card Benefits
yes
Primary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Annual Statement Credits
yes
Free Checked Bags
yes
Cell Phone Protection
no
Annual Fee
$195
Avg. Min. Credit Score
670-850 *
Ongoing APR
19.49%-27.49% (Variable)
Balance transfers fees
-
Best Multiplier
5x Airfare

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Cruises

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Car Rentals

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Hotels

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

2.5x Single Charges over $5,000
2x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.75) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Ink Business Premier credit card from Chase fits a specific target audience.

The businesses best suited for this card spend a very high amount monthly and want to simplify their spending. Especially if you have frequent charges over $5,000, that annual fee is paid for many times over by the extra 1/2 percent earned in cash back.

While it’s easy to get caught up in miles and points, if you are spending and earning more points than you can realistically spend, it’s not at all a bad idea.

Check Ink Premier for Business

However, if you want to earn transferable points, you would be better served by a Capital One Spark Cash Select. Alone, the Spark Cash is also just straight cash, but if you have a Venture, Venture X, or Spark Miles for Business card, you can convert the cash to miles.

If that’s not a concern, then the Chase Ink Business Premier is easily the very best business charge card out there. No other credit card or charge card will get you more cash back on purchases.

Many small business owners spend a ton on inventory monthly and could be earning huge amounts of cashback, but don’t have time to learn about miles and points. This business card is perfect for those small business owners. If purchases tend to be large purchases over $5,000 (which earn 2.5%) it becomes even better.

Read more
Unique Card Benefits
yes
Primary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Annual Statement Credits
no
Free Checked Bags
no
Cell Phone Protection
yes

Learn more about these cards today

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