IHG One Rewards Premier Credit Card vs Southwest Rapid Rewards® Priority Card

Chase

Chase

Annual Fee

$150

$229

Card Type

Personal

Rewards Currency

IHG One Rewards Points

Southwest Rapid Rewards

Point Value

0.50¢/pt

1.25¢/pt

Base Earn Rate

Welcome Bonus

140,000 IHG One Rewards Points after $3,000 in 90 days

40,000 Southwest Rapid Rewards after $3,000 in 90 days

Effective return by category

Category	IHG One Rewards Premier Credit Card	Southwest Rapid Rewards® Priority Card
Groceries	2.50% 5x	1.25% 1x
Gas Stations	2.50% 5x	2.50% 2x
Dining & Restaurants	2.50% 5x	2.50% 2x
Airfare	2.50% 5x	1.25% 1x
Car Rentals	2.50% 5x	1.25% 1x
Everything else	1.50% 3x	1.25% 1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?