Atmos Rewards Summit vs Southwest Performance Business
Atmos Rewards Summit
$395/yr
6.0/10
VS
Southwest Performance Business
$299/yr
6.0/10
Quick Answer
Atmos Rewards Summit charges $395/yr with 1X base rewards. Southwest Performance Business charges $299/yr with 1X base rewards. Southwest Performance Business offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Atmos Rewards Summit →
PointsPick may earn a commission. Disclosure
Apply for Southwest Performance Business →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Southwest Performance Business
Lower annual fee ($395 vs $299)
Rewards Earning
Southwest Performance Business
6 earning categories
Benefits & Protection
Atmos Rewards Summit
0 benefits vs 0
Statement Credits
Southwest Performance Business
$720 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Southwest Performance Business wins for most people
The $96 fee difference is hard to justify unless you maximize premium benefits.
Apply for Southwest Performance BusinessPREMIUM PICK
Atmos Rewards Summit wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Atmos Rewards SummitRewards Earning: Detailed Comparison
Atmos Rewards Summit
| Sustainable brands | 5.0X |
| Dining & grocery | 3.0X |
| Everything else | 1.5X |
Southwest Performance Business
| Southwest purchases | 4.0X |
| Hotel & car rental partners | 3.0X |
| Rideshare | 2.0X |
| Streaming services | 2.0X |
| Internet, cable, phone | 2.0X |
| Everything else | 1.0X |