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IHG One Rewards Premier Credit Card vs Southwest® Rapid Rewards® Performance Business Credit Card
This comparison aims to assist users in deciding between the IHG One Rewards Premier Credit Card and the Southwest® Rapid Rewards® Performance Business Credit Card. Each card offers unique benefits tailored to different travel and spending preferences.
Card Overviews
IHG One Rewards Premier Credit Card
The IHG One Rewards Premier Credit Card is designed for travelers who frequently stay at IHG Hotels & Resorts. With a focus on earning rewards for hotel stays, this card offers significant bonuses and benefits catered to loyal IHG customers.
Southwest® Rapid Rewards® Performance Business Credit Card
The Southwest® Rapid Rewards® Performance Business Credit Card is tailored for business owners and frequent flyers with Southwest Airlines. It provides a variety of earning opportunities on travel-related expenses and additional perks for Southwest travelers.
Detailed Feature Comparison
| Feature | IHG One Rewards Premier Credit Card | Southwest® Rapid Rewards® Performance Business Credit Card |
|---|---|---|
| Annual Fee | $99 | $199 |
| Welcome Bonus | Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months | Earn 80,000 points after you spend $5,000 on purchases in the first 3 months |
| Rewards Structure | Up to 26 total points per $1 spent at IHG, 5 points on travel, gas, restaurants, 3 points on all other purchases | 4X on Southwest purchases, 3X on hotel and car rental partners, 2X on rideshare, social media, and 1X on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Automatic Platinum Elite status, Global Entry/TSA PreCheck Statement Credit, Anniversary Free Night | 4 Upgraded Boardings per year when available, 9,000 bonus points after Cardmember anniversary |
Rewards Highlights
- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts.
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants.
- Earn 3 points per $1 spent on all other purchases.
Pros and Cons
IHG One Rewards Premier Credit Card
- Pros:
- High welcome bonus of 140,000 points.
- Automatic Platinum Elite status.
- An Anniversary Free Night at IHG Hotels & Resorts.
- No foreign transaction fees.
- Cons:
- Annual fee of $99.
- Rewards are primarily focused on IHG properties.
Southwest® Rapid Rewards® Performance Business Credit Card
- Pros:
- Generous welcome bonus of 80,000 points.
- Multiple earning categories for travel-related expenses.
- 4 Upgraded Boardings annually.
- No foreign transaction fees.
- Cons:
- Higher annual fee of $199.
- Focus on Southwest Airlines limits flexibility.
Who Should Consider Which Card?
- The IHG One Rewards Premier Credit Card is ideal for those who frequently stay at IHG properties and value hotel loyalty programs.
- The Southwest® Rapid Rewards® Performance Business Credit Card is suited for business travelers or individuals who regularly fly with Southwest Airlines and want to maximize their travel rewards across various categories.
Conclusion
Both the IHG One Rewards Premier Credit Card and the Southwest® Rapid Rewards® Performance Business Credit Card offer unique benefits tailored to different traveler profiles. Consider your individual needs, spending patterns, and travel habits to determine which card aligns best with your financial goals.