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Capital One Spark Miles for Business vs Southwest Rapid Rewards Performance Business
Both are well-respected travel cards. The Capital One Spark Miles for Business comes from Capital One at $95/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 Capital One Spark Miles for Business's. Get the Southwest Rapid Rewards Performance Business first; revisit the Capital One Spark Miles for Business after you've earned that bonus.
| Feature | Capital One Spark Miles for Business | Southwest Rapid Rewards Performance Business |
|---|---|---|
| Annual fee | $95 | $299 |
| Sign-up bonus | 80,000 points | |
| Bonus value (est.) | - | $80,000 |
| Min spend to unlock bonus | - | $5,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | business | travel |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Capital One Spark Miles for Business
$95/yr ·
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, Capital One Spark Miles for Business or Southwest Rapid Rewards Performance Business?
- The Southwest Rapid Rewards Performance Business has a public bonus (80,000 points, worth roughly $80,000), while the Capital One Spark Miles for Business doesn't advertise one right now.
- Is the Capital One Spark Miles for Business's $95 annual fee worth it compared to the Southwest Rapid Rewards Performance Business?
- At $95/yr, the Capital One Spark Miles for Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Southwest Rapid Rewards Performance Business's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Miles for Business and Southwest Rapid Rewards Performance Business?
- Yes, since they're from different issuers (Capital One 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 Capital One Spark Miles for Business or the Southwest Rapid Rewards Performance Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Miles for Business: no published min spend. 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.