Editorial take: Chase Ink Business Cash
Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: The elevated $900 SUB ended Nov 13, 2025; current public offer is $750/$6k/3mo.
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Side-by-side
Chase Ink Business Cash vs Southwest Rapid Rewards Plus
Both are well-respected travel cards. The Chase Ink Business Cash comes from Chase at $0/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
For most people the Chase Ink Business Cash is the stronger pick today, the sign-up bonus is meaningfully larger ($750 more in estimated value) than the Southwest Rapid Rewards Plus's. Get the Chase Ink Business Cash first; revisit the Southwest Rapid Rewards Plus after you've earned that bonus.
| Feature | Chase Ink Business Cash | Southwest Rapid Rewards Plus |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | $750 bonus cash back | 50,000 bonus points |
| Bonus value (est.) | $750 | - |
| Min spend to unlock bonus | $6,000 in 3 mo | $1,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | business | travel |
| Best earning category (Office) | 5x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
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Read the full review
Chase Ink Business Cash
$0/yr · $750 bonus cash back
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, Chase Ink Business Cash or Southwest Rapid Rewards Plus?
- The Chase Ink Business Cash has a public bonus ($750 bonus cash back, worth roughly $750), while the Southwest Rapid Rewards Plus doesn't advertise one right now.
- Is the Chase Ink Business Cash's $0 annual fee worth it compared to the Southwest Rapid Rewards Plus?
- The Chase Ink Business Cash has no annual fee, so the question is whether the Southwest Rapid Rewards Plus's $99 fee is justified by its perks. If you'll use enough of the Southwest Rapid Rewards Plus's benefits to clear $99 in value annually, it's worth it; otherwise stick with the Chase Ink Business Cash.
- Can I have both the Chase Ink Business Cash 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 Chase Ink Business Cash or the Southwest Rapid Rewards Plus first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Cash: $6,000 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.