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Southwest Rapid Rewards Performance Business vs IHG One Rewards Premier
Both are well-respected travel cards. The Southwest Rapid Rewards Performance Business comes from Chase at $299/yr; the IHG One Rewards Premier 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 Southwest Rapid Rewards Performance Business is the stronger pick today, the sign-up bonus is meaningfully larger ($79,075 more in estimated value) than the IHG One Rewards Premier's. Get the Southwest Rapid Rewards Performance Business first; revisit the IHG One Rewards Premier after you've earned that bonus.
| Feature | Southwest Rapid Rewards Performance Business | IHG One Rewards Premier |
|---|---|---|
| Annual fee | $299 | $99 |
| Sign-up bonus | 80,000 points | 185,000 bonus points |
| Bonus value (est.) | $80,000 | $925 |
| Min spend to unlock bonus | $5,000 in 3 mo | $3,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | travel | hotel |
| Best earning category (Travel) | 4x | 5x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Southwest Rapid Rewards Performance Business
$299/yr · 80,000 points
Read the full review
IHG One Rewards Premier
$99/yr · 185,000 bonus points
Editorial take: IHG One Rewards Premier
A solid hotel card if you stay at IHG properties regularly. The free night award and 4th night free on award stays can easily offset the $99 annual fee.
Common questions
- Which card has the bigger sign-up bonus, Southwest Rapid Rewards Performance Business or IHG One Rewards Premier?
- The Southwest Rapid Rewards Performance Business has the bigger bonus, 80,000 points, worth roughly $80,000, versus 185,000 bonus points (~$925) on the IHG One Rewards Premier.
- Is the Southwest Rapid Rewards Performance Business's $299 annual fee worth it compared to the IHG One Rewards Premier?
- At $299/yr, the Southwest Rapid Rewards Performance Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the IHG One Rewards Premier's, pick the one whose perks you'll actually use.
- Can I have both the Southwest Rapid Rewards Performance Business and IHG One Rewards Premier?
- 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 Southwest Rapid Rewards Performance Business or the IHG One Rewards Premier first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Southwest Rapid Rewards Performance Business: $5,000 spend in 3 months. IHG One Rewards Premier: $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.