Sapphire Reserve Business vs Southwest Plus
Sapphire Reserve Business
$795/yr
5.5/10
VS
Southwest Plus
$99/yr
6.0/10
Quick Answer
Sapphire Reserve Business charges $795/yr with 1X base rewards. Southwest Plus charges $99/yr with 1X base rewards. Southwest Plus offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Southwest Plus
Lower annual fee ($795 vs $99)
Rewards Earning
Southwest Plus
6 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Sapphire Reserve Business
$450 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Southwest Plus wins for most people
The $696 fee difference is hard to justify unless you maximize premium benefits.
Apply for Southwest PlusPREMIUM PICK
Sapphire Reserve Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Sapphire Reserve BusinessRewards Earning: Detailed Comparison
Sapphire Reserve Business
| Hotels & car rentals (Chase Travel) | 10.0X |
| Flights (Chase Travel) | 5.0X |
| Dining | 4.0X |
| All other travel | 3.0X |
| Everything else | 1.0X |
Southwest Plus
| Southwest purchases | 2.0X |
| Hotel & car rental partners | 2.0X |
| Local transit & commuting | 2.0X |
| Streaming services | 2.0X |
| Internet, cable, phone | 2.0X |
| Everything else | 1.0X |