Amazon Visa vs Southwest Rapid Rewards® Performance Business
Side-by-side comparison
| Amazon Visa | Southwest Rapid Rewards® Performance Business | |
|---|---|---|
| Annual fee | No annual fee | $299 |
| Welcome offer | $50 Amazon Gift Card upon approval | 80,000 points |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 1% |
| Travel | 1% | 4% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $492 | $636 |
| Points type | Cash back only | Locked to Southwest Rapid Rewards |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Amazon Visa earns about $492 a year in rewards and the Southwest Rapid Rewards® Performance Business about $636, valuing every point at a flat 1 cent. The Amazon Visa has no annual fee, so its rewards are all profit. The Southwest Rapid Rewards® Performance Business charges $299, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Amazon Visa delivers more total value, about $185 a year more for a typical spender, mostly because it carries more in annual statement credits. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Southwest Rapid Rewards® Performance Business currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Southwest Rapid Rewards® Performance Business if your spending leans toward travel.