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BECU Business Low Rate Credit Card vs Southwest Rapid Rewards Performance Business
Both are well-respected travel cards. The BECU Business Low Rate Credit Card comes from BECU at $0/yr; the Southwest Rapid Rewards Performance Business from Chase at $299/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Southwest Rapid Rewards Performance Business is the stronger pick today, the sign-up bonus is meaningfully larger ($80,000 more in estimated value) than the BECU Business Low Rate Credit Card's. Get the Southwest Rapid Rewards Performance Business first; revisit the BECU Business Low Rate Credit Card after you've earned that bonus.
| Feature | BECU Business Low Rate Credit Card | Southwest Rapid Rewards Performance Business |
|---|---|---|
| Annual fee | $0 | $299 |
| Sign-up bonus | No welcome bonus | 80,000 points |
| Bonus value (est.) | $0 | $80,000 |
| Min spend to unlock bonus | $0 in 0 mo | $5,000 in 3 mo |
| Issuer | BECU | Chase |
| Card category | low-interest | travel |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BECU Business Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
Southwest Rapid Rewards Performance Business
$299/yr · 80,000 points
Editorial take: Southwest Rapid Rewards Performance Business
Common questions
- Which card has the bigger sign-up bonus, BECU Business Low Rate Credit Card or Southwest Rapid Rewards Performance Business?
- The Southwest Rapid Rewards Performance Business has the bigger bonus, 80,000 points, worth roughly $80,000, versus No welcome bonus (~$0) on the BECU Business Low Rate Credit Card.
- Is the BECU Business Low Rate Credit Card's $0 annual fee worth it compared to the Southwest Rapid Rewards Performance Business?
- The BECU Business Low Rate Credit Card has no annual fee, so the question is whether the Southwest Rapid Rewards Performance Business's $299 fee is justified by its perks. If you'll use enough of the Southwest Rapid Rewards Performance Business's benefits to clear $299 in value annually, it's worth it; otherwise stick with the BECU Business Low Rate Credit Card.
- Can I have both the BECU Business Low Rate Credit Card and Southwest Rapid Rewards Performance Business?
- Yes, since they're from different issuers (BECU 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 BECU Business Low Rate Credit Card or the Southwest Rapid Rewards Performance Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Business Low Rate Credit Card: $0 spend in 0 months. Southwest Rapid Rewards Performance Business: $5,000 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.