Southwest Rapid Rewards® Plus vs U.S. Bank Triple Cash Rewards Business Card
Side-by-side comparison
| Southwest Rapid Rewards® Plus | U.S. Bank Triple Cash Rewards Business Card | |
|---|---|---|
| Annual fee | $99 | No annual fee |
| Welcome offer | $750 cash back | |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 3% |
| Phone & internet | 1% | 3% |
| Travel | 1% | 1% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $468 | $630 |
| Points type | Locked to Southwest Rapid Rewards | Cash back only |
| 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® Plus earns about $468 a year in rewards and the U.S. Bank Triple Cash Rewards Business Card about $630, valuing every point at a flat 1 cent. The Southwest Rapid Rewards® Plus charges $99, which you clear through its rewards and perks. The U.S. Bank Triple Cash Rewards Business Card has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the U.S. Bank Triple Cash Rewards Business Card delivers more total value, about $261 a year more for a typical spender, mostly because it earns more where you spend most, on office supplies and 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 two are currently comparable in size. Note that Southwest Rapid Rewards® Plus is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the U.S. Bank Triple Cash Rewards Business Card if your spending leans toward office supplies, phone & internet.