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Sapphire Reserve for Business vs Southwest Rapid Rewards Performance Business
Both are well-respected travel cards. The Sapphire Reserve for Business comes from Chase at $795/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 ($77,405 more in estimated value) than the Sapphire Reserve for Business's. Get the Southwest Rapid Rewards Performance Business first; revisit the Sapphire Reserve for Business after you've earned that bonus.
| Feature | Sapphire Reserve for Business | Southwest Rapid Rewards Performance Business |
|---|---|---|
| Annual fee | $795 | $299 |
| Sign-up bonus | 150,000 points | 80,000 points |
| Bonus value (est.) | $2,595 | $80,000 |
| Min spend to unlock bonus | $20,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | business | travel |
| Best earning category (Chase_travel) | 8x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
Read the full review
Sapphire Reserve for Business
$795/yr · 150,000 points
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, Sapphire Reserve for Business or Southwest Rapid Rewards Performance Business?
- The Southwest Rapid Rewards Performance Business has the bigger bonus, 80,000 points, worth roughly $80,000, versus 150,000 points (~$2,595) on the Sapphire Reserve for Business.
- Is the Sapphire Reserve for Business's $795 annual fee worth it compared to the Southwest Rapid Rewards Performance Business?
- Premium cards like the Sapphire Reserve for Business ($795/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $795+ of those credits, the math works. The Southwest Rapid Rewards Performance Business at $299/yr trades some perks for a lower commitment.
- Can I have both the Sapphire Reserve for Business and Southwest Rapid Rewards Performance Business?
- 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 Sapphire Reserve for Business or the Southwest Rapid Rewards Performance Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Sapphire Reserve for Business: $20,000 spend in 3 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.