Southwest Rapid Rewards® Performance Business vs Wyndham Rewards Earner® Card
Side-by-side comparison
| Southwest Rapid Rewards® Performance Business | Wyndham Rewards Earner® Card | |
|---|---|---|
| Annual fee | $299 | No annual fee |
| Welcome offer | 80,000 points | Up to 75,000 points |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 1% |
| Travel | 4% | 1% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $636 | $534 |
| Points type | Locked to Southwest Rapid Rewards | Locked to Wyndham 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 Southwest Rapid Rewards® Performance Business earns about $636 a year in rewards and the Wyndham Rewards Earner® Card about $534, 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 Wyndham Rewards Earner® Card has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Wyndham Rewards Earner® Card delivers more total value, about $197 a year more for a typical spender, mostly because it skips the annual fee the other charges. 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 two are currently comparable in size. 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.