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Southwest Rapid Rewards Plus vs US Bank Triple Cash Rewards Business

Both are well-respected travel cards. The Southwest Rapid Rewards Plus comes from Chase at $99/yr; the US Bank Triple Cash Rewards Business from U.S. Bank at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the US Bank Triple Cash Rewards Business 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 US Bank Triple Cash Rewards Business first; revisit the Southwest Rapid Rewards Plus after you've earned that bonus.

FeatureSouthwest Rapid Rewards PlusUS Bank Triple Cash Rewards Business
Annual fee$99$0
Sign-up bonus50,000 bonus points$750 cash back
Bonus value (est.)-$750
Min spend to unlock bonus$1,000 in 3 mo$6,000 in 6 mo
IssuerChaseU.S. Bank
Card categorytravelbusiness
Best earning category (Travel)2x1x
Transfer partnersNoneNone
Headline benefits
  • $99 fee (post-2025 refresh)
  • 3k anniversary points
  • Free first checked bag
  • Companion Pass qualifying
    Read the full review
    Southwest Rapid Rewards Plus
    $99/yr · 50,000 bonus points
    Read the full review
    US Bank Triple Cash Rewards Business
    $0/yr · $750 cash back

    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.

    Editorial take: US Bank Triple Cash Rewards Business

    Common questions

    Which card has the bigger sign-up bonus, Southwest Rapid Rewards Plus or US Bank Triple Cash Rewards Business?
    The US Bank Triple Cash Rewards Business has a public bonus ($750 cash back, worth roughly $750), while the Southwest Rapid Rewards Plus doesn't advertise one right now.
    Is the Southwest Rapid Rewards Plus's $99 annual fee worth it compared to the US Bank Triple Cash Rewards Business?
    At $99/yr, the Southwest Rapid Rewards Plus is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the US Bank Triple Cash Rewards Business's, pick the one whose perks you'll actually use.
    Can I have both the Southwest Rapid Rewards Plus and US Bank Triple Cash Rewards Business?
    Yes, since they're from different issuers (Chase and U.S. Bank) the application rules don't conflict. 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 Plus or the US Bank Triple Cash Rewards Business first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Southwest Rapid Rewards Plus: $1,000 spend in 3 months. US Bank Triple Cash Rewards Business: $6,000 in 6 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.