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Side-by-side
Sapphire Reserve for Business vs Southwest Rapid Rewards Premier Business
Both are business travel cards. The Sapphire Reserve for Business comes from Chase at $795/yr; the Southwest Rapid Rewards Premier Business from Chase at $149/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 business spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Sapphire Reserve for Business costs $646 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Sapphire Reserve for Business | Southwest Rapid Rewards Premier Business |
|---|---|---|
| Annual fee | $795 | $149 |
| Sign-up bonus | 150,000 points | 60,000 bonus points |
| Bonus value (est.) | $2,595 | - |
| Min spend to unlock bonus | $20,000 in 3 mo | $3,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | business | business |
| 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 Premier Business
$149/yr · 60,000 bonus points
Editorial take: Southwest Rapid Rewards Premier Business
Common questions
- Which card has the bigger sign-up bonus, Sapphire Reserve for Business or Southwest Rapid Rewards Premier Business?
- The Sapphire Reserve for Business has a public bonus (150,000 points, worth roughly $2,595), while the Southwest Rapid Rewards Premier Business doesn't advertise one right now.
- Is the Sapphire Reserve for Business's $795 annual fee worth it compared to the Southwest Rapid Rewards Premier 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 Premier Business at $149/yr trades some perks for a lower commitment.
- Can I have both the Sapphire Reserve for Business and Southwest Rapid Rewards Premier 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 Premier 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 Premier Business: $3,000 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.