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Side-by-side
IHG One Rewards Premier Business vs Southwest Rapid Rewards Plus
Both are travel travel cards. The IHG One Rewards Premier Business comes from Chase at $99/yr; the Southwest Rapid Rewards Plus from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Chase and target travel spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Southwest Rapid Rewards Plus costs $0 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | IHG One Rewards Premier Business | Southwest Rapid Rewards Plus |
|---|---|---|
| Annual fee | $99 | $99 |
| Sign-up bonus | 140,000 Bonus Points | 50,000 bonus points |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | $4,000 in 3 mo | $1,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | travel | travel |
| Best earning category (Travel) | 5x | 2x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
IHG One Rewards Premier Business
$99/yr · 140,000 Bonus Points
Read the full review
Southwest Rapid Rewards Plus
$99/yr · 50,000 bonus points
Editorial take: Southwest Rapid Rewards Plus
The entry-level Southwest card after the 2025 refresh raised the fee to $99. Worth it primarily if you're chasing the Companion Pass; the Priority card delivers more value if you fly Southwest 2+ times per year.
Common questions
- Which card has the bigger sign-up bonus, IHG One Rewards Premier Business or Southwest Rapid Rewards Plus?
- Neither card has a publicly advertised sign-up bonus today. Watch for limited-time offers from each issuer.
- Is the IHG One Rewards Premier Business's $99 annual fee worth it compared to the Southwest Rapid Rewards Plus?
- At $99/yr, the IHG One Rewards Premier Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Southwest Rapid Rewards Plus's, pick the one whose perks you'll actually use.
- Can I have both the IHG One Rewards Premier Business and Southwest Rapid Rewards Plus?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 IHG One Rewards Premier Business or the Southwest Rapid Rewards Plus first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. IHG One Rewards Premier Business: $4,000 spend in 3 months. Southwest Rapid Rewards Plus: $1,000 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.