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Side-by-side

Chase Ink Business Preferred vs Southwest Rapid Rewards Plus

Both are well-respected travel cards. The Chase Ink Business Preferred comes from Chase at $95/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 Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($2,000 more in estimated value) than the Southwest Rapid Rewards Plus's. Get the Chase Ink Business Preferred first; revisit the Southwest Rapid Rewards Plus after you've earned that bonus.

FeatureChase Ink Business PreferredSouthwest Rapid Rewards Plus
Annual fee$95$99
Sign-up bonus100,000 points50,000 bonus points
Bonus value (est.)$2,000-
Min spend to unlock bonus$8,000 in 3 mo$1,000 in 3 mo
IssuerChaseChase
Card categorybusinesstravel
Best earning category (Travel)3x2x
Transfer partnerschase-urNone
Headline benefits
  • 100,000 point sign-up bonus
  • 3x on travel, shipping, ads, internet ($150k cap)
  • Cell phone protection
  • Transfer to UR partners
  • $99 fee (post-2025 refresh)
  • 3k anniversary points
  • Free first checked bag
  • Companion Pass qualifying
Read the full review
Chase Ink Business Preferred
$95/yr · 100,000 points
Read the full review
Southwest Rapid Rewards Plus
$99/yr · 50,000 bonus points

Editorial take: Chase Ink Business Preferred

The business version of Sapphire Preferred with one of the highest sign-up bonuses around. 3x on travel, shipping, internet/phone, and advertising (capped $150k/yr combined) plus full UR transfer access. Chase has added once-per-lifetime language; treat the bonus as a one-time opportunity.

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 Preferred or Southwest Rapid Rewards Plus?
The Chase Ink Business Preferred has a public bonus (100,000 points, worth roughly $2,000), while the Southwest Rapid Rewards Plus doesn't advertise one right now.
Is the Chase Ink Business Preferred's $95 annual fee worth it compared to the Southwest Rapid Rewards Plus?
At $95/yr, the Chase Ink Business Preferred 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 Chase Ink Business Preferred 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 Preferred or the Southwest Rapid Rewards Plus first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Preferred: $8,000 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.