IHG One Rewards Traveler Credit Card vs Southwest Rapid Rewards® Premier Business
Side-by-side comparison
| IHG One Rewards Traveler Credit Card | Southwest Rapid Rewards® Premier Business | |
|---|---|---|
| Annual fee | No annual fee | $149 |
| Welcome offer | 125,000 points | 60,000 points |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 3% | 1% |
| Travel | 3% | 3% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $666 | $588 |
| Points type | Locked to IHG One Rewards | Locked to Southwest Rapid Rewards |
| Network | Mastercard | 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 IHG One Rewards Traveler Credit Card earns about $666 a year in rewards and the Southwest Rapid Rewards® Premier Business about $588, valuing every point at a flat 1 cent. The IHG One Rewards Traveler Credit Card has no annual fee, so its rewards are all profit. The Southwest Rapid Rewards® Premier Business charges $149, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the IHG One Rewards Traveler Credit Card delivers more total value, about $227 a year more for a typical spender, mostly because it earns more where you spend most, on phone & internet. 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 IHG One Rewards Traveler Credit Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the IHG One Rewards Traveler Credit Card if your spending leans toward phone & internet.