Southwest Rapid Rewards® Premier Business vs Wyndham Rewards Earner® Premier Card
Side-by-side comparison
| Southwest Rapid Rewards® Premier Business | Wyndham Rewards Earner® Premier Card | |
|---|---|---|
| Annual fee | $149 | $395 |
| Welcome offer | 60,000 points | Up to 120,000 points |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 1% |
| Travel | 3% | 4% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $588 | $720 |
| 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® Premier Business earns about $588 a year in rewards and the Wyndham Rewards Earner® Premier Card about $720, valuing every point at a flat 1 cent. The Southwest Rapid Rewards® Premier Business charges $149, which you clear through its rewards and perks. The Wyndham Rewards Earner® Premier Card charges $395, but carries about $220 in annual statement credits that offset it for anyone who uses them. The two are effectively tied on value, with the Southwest Rapid Rewards® Premier Business marginally ahead, 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 Wyndham Rewards Earner® Premier 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 Wyndham Rewards Earner® Premier Card if your spending leans toward travel.