IHG One Rewards Business Credit Card vs Southwest Rapid Rewards Premier Business Credit Card
IHG One Rewards Business Credit Card earns more in 6 of the 6 categories we track. Southwest Rapid Rewards Premier Business Credit Card has the lower annual fee.
The basics
| Detail | IHG One Rewards Business Credit Card | Southwest Rapid Rewards Premier Business Credit Card |
|---|---|---|
| Annual fee | $200 | $149 |
| Card type | Business | Business |
| Rewards | IHG One Rewards Points | Southwest Rapid Rewards |
| Each point is worth | 0.59¢ | 1.30¢ |
| Everywhere else | 3x | 1x |
| Welcome bonus | 200,000 IHG One Rewards Points after $9,000 in 90 days | — |
What each earns
| Category | IHG One Rewards Business Credit Card | Southwest Rapid Rewards Premier Business Credit Card |
|---|---|---|
| Gas Stations | 3.0% (higher) 5x | 2.6% 2x, capped spending, up to $8,000 |
| Dining & Restaurants | 3.0% (higher) 5x | 2.6% 2x, capped spending, up to $8,000 |
| Online Advertising | 3.0% (higher) 5x | 1.3% 1x |
| Airfare | 3.0% (higher) 5x | 1.3% 1x |
| Car Rentals | 3.0% (higher) 5x | 1.3% 1x |
| Everything else | 1.8% (higher) 3x | 1.3% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
Ask the advisor