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All comparisons
Head-to-head, 2026

Chase IHG One Rewards Premier Business Chase Southwest Rapid Rewards Premier Business

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase IHG One Rewards Premier BusinessBigger welcome offer: Chase Southwest Rapid Rewards Premier Business

Chase

IHG One Rewards Premier Business

Annual fee
$99
Network
visa
Welcome value
$700
Min spend
$4,000 / 3mo

Top earning rates

  • 10×IHG Hotels & Resorts · IHG One Rewards
  • 5×Dining · IHG One Rewards
  • 5×Advertising · IHG One Rewards
  • 5×Office supplies · IHG One Rewards

Key benefits

  • Anniversary Free Night · $280
  • Additional 40,000-Point Free Night (Spend Tier) · $280
  • Global Entry, TSA PreCheck or NEXUS Credit · $120
  • $100 Statement Credit and 10,000 Bonus Points (Spend Tier) · $100
  • Monthly Instacart Credit · $10
Full Chase IHG One Rewards Premier Business review

Chase

Southwest Rapid Rewards Premier Business

Annual fee
$149
Network
visa
Welcome value
$780
Min spend
$3,000 / 3mo

Top earning rates

  • 3×Southwest purchases · Southwest Rapid Rewards
  • 2×Rapid Rewards partner hotel and car rentals · Southwest Rapid Rewards
  • 2×Local transit and commuting · Southwest Rapid Rewards
  • 1×All other purchases · Southwest Rapid Rewards

Key benefits

  • Free first checked bag · $140
  • Preferred seat selection within 48 hours · $0
  • No foreign transaction fees · $0
  • Group 5 boarding · $0
  • 15% annual flight discount code · $0
Full Chase Southwest Rapid Rewards Premier Business review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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