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All comparisons
Head-to-head, 2026

Chase IHG One Rewards Premier Business Chase Southwest Rapid Rewards Priority

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 IHG One 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 Priority

Annual fee
$229
Network
visa
Welcome value
$650
Min spend
$1,000 / 3mo

Top earning rates

  • 3×Southwest purchases · Southwest Rapid Rewards
  • 2×Rapid Rewards hotel and car rental partners · Southwest Rapid Rewards
  • 2×Transit · Southwest Rapid Rewards
  • 2×Streaming services · Southwest Rapid Rewards

Key benefits

  • Free first checked bag · $180
  • Monthly Instacart credit · $10
  • Quarterly DoorDash non-restaurant discount · $10
  • Baggage delay insurance · $0
  • Complimentary Preferred seat at booking · $0
Full Chase Southwest Rapid Rewards Priority 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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