Editorial take: American Express Business Gold
The 4x on your top two categories each month is uniquely flexible, if your business spend varies, this auto-adapts. The credits need active use to offset the fee.
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Side-by-side
American Express Business Gold vs Southwest Rapid Rewards Premier
Both are well-respected travel cards. The American Express Business Gold comes from American Express at $375/yr; the Southwest Rapid Rewards Premier from Chase at $149/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the American Express Business Gold is the stronger pick today, the sign-up bonus is meaningfully larger ($1,800 more in estimated value) than the Southwest Rapid Rewards Premier's. Get the American Express Business Gold first; revisit the Southwest Rapid Rewards Premier after you've earned that bonus.
| Feature | American Express Business Gold | Southwest Rapid Rewards Premier |
|---|---|---|
| Annual fee | $375 | $149 |
| Sign-up bonus | 100,000 Membership Rewards points | 55,000 bonus points |
| Bonus value (est.) | $1,800 | - |
| Min spend to unlock bonus | $15,000 in 3 mo | $1,500 in 3 mo |
| Issuer | American Express | Chase |
| Card category | business | travel |
| Best earning category (Top_two_categories) | 4x | 1x |
| Transfer partners | amex-mr | None |
| Headline benefits |
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Read the full review
American Express Business Gold
$375/yr · 100,000 Membership Rewards points
Read the full review
Southwest Rapid Rewards Premier
$149/yr · 55,000 bonus points
Editorial take: Southwest Rapid Rewards Premier
The middle tier of the Southwest portfolio after the 2025 refresh. Doubles the anniversary points and bumps the promo code from 10% to 15% vs Plus. Sweet spot for occasional Southwest flyers who don't need the Priority card's $75 travel credit or upgraded boardings.
Common questions
- Which card has the bigger sign-up bonus, American Express Business Gold or Southwest Rapid Rewards Premier?
- The American Express Business Gold has a public bonus (100,000 Membership Rewards points, worth roughly $1,800), while the Southwest Rapid Rewards Premier doesn't advertise one right now.
- Is the American Express Business Gold's $375 annual fee worth it compared to the Southwest Rapid Rewards Premier?
- At $375/yr, the American Express Business Gold is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Southwest Rapid Rewards Premier's, pick the one whose perks you'll actually use.
- Can I have both the American Express Business Gold and Southwest Rapid Rewards Premier?
- Yes, since they're from different issuers (American Express and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the American Express Business Gold or the Southwest Rapid Rewards Premier first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Business Gold: $15,000 spend in 3 months. Southwest Rapid Rewards Premier: $1,500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.