Southwest Rapid Rewards® Performance Business vs Wells Fargo Active Cash®
Side-by-side comparison
| Southwest Rapid Rewards® Performance Business | Wells Fargo Active Cash® | |
|---|---|---|
| Annual fee | $299 | No annual fee |
| Welcome offer | 80,000 points | $200 cash rewards bonus |
| Advertising | 1% | 2% |
| Shipping | 1% | 2% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 2% |
| Travel | 4% | 2% |
| Everything else | 1% | 2% |
| Est. yearly rewards* | $636 | $900 |
| Points type | Locked to Southwest Rapid Rewards | Pools with Wells Fargo → transferable |
| 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 Southwest Rapid Rewards® Performance Business earns about $636 a year in rewards and the Wells Fargo Active Cash® about $900, valuing every point at a flat 1 cent. The Southwest Rapid Rewards® Performance Business charges $299, which you clear through its rewards and perks. The Wells Fargo Active Cash® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Wells Fargo Active Cash® delivers more total value, about $563 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Wells Fargo Active Cash® earns points you can move to travel partners for outsized value, while the Southwest Rapid Rewards® Performance Business stays locked to a single airline or hotel program. Favor the Wells Fargo Active Cash® if you will use travel transfers, the Southwest Rapid Rewards® Performance Business if you want simplicity. 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. Pick the Wells Fargo Active Cash® if your spending leans toward advertising, shipping, office supplies.