Pros & Cons
Pros
- +Welcome Bonus: 80,000 points
- +Up to 4x on Southwest flights
- +No foreign transaction fees
Cons
- –High annual fee ($299/yr)
- –No lounge access
- –No purchase protection
Our Review
Elevate Your Business Travel with the Southwest Rapid Rewards® Performance Business Card
- 80,000 bonus points after you spend $5,000 on purchases in the first 3 months
- 9,000 anniversary points each year after your cardmember anniversary
- 4X points per $1 on Southwest® purchases
- 3X points per $1 on Rapid Rewards® hotel and car rental partner purchases
- 2X points per $1 on local transit & rideshare
- 2X points per $1 on social media & search engine advertising, internet, cable & phone services
- 1X point per $1 on all other purchases
- 4 upgraded boardings per year when available
- No foreign transaction fees
- $199 annual fee
Designed for entrepreneurs who fly Southwest frequently, this card turns routine business expenses into Rapid Rewards points faster. Unlock a generous welcome bonus, enjoy annual anniversary points to boost your balance, and accelerate earnings on flights, hotel stays, advertising and more. With perks like upgraded boarding and no foreign transaction fees, you’ll travel smarter and save on additional charges. Manage your account, book flights and redeem rewards seamlessly through the Southwest app or online portal.
Terms apply. Welcome bonus requires $5,000 spend in the first 3 months. Upgraded boardings subject to availability. See issuer for complete details and enrollment requirements.
Rewards
All Spending
1x
Southwest Rapid Rewards pts per dollar
Southwest flights
4x
Southwest Rapid Rewards pts per dollar
Gas
2x
Southwest Rapid Rewards pts per dollar
Restaurants
2x
Southwest Rapid Rewards pts per dollar
Transit
2x
Southwest Rapid Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
37,200
Southwest Rapid Rewards/yr
Estimated Value
$372
After Fees
+$73
1st Year Value
$873
incl. welcome bonus
Breakdown
Perks & Benefits
Priority Boarding
Included
NEXUS Credit
$120
Additional Benefits
- First checked bag free for the Cardmember and up to eight additional passengers on the same reservation, a saving of up to $360 roundtrip for a group of four.
- Boarding benefit: the Cardmember and up to eight passengers on the same reservation board with Group 5, giving earlier access to overhead bins.
- Complimentary Preferred seat selection at booking and unlimited Extra Legroom seat upgrades within 48 hours of departure, when available.
- 9,000 bonus points each year after your Cardmember anniversary.
- 10,000 Companion Pass qualifying points boost each year.
- Up to $120 statement credit every four years as reimbursement for the Global Entry, TSA PreCheck or NEXUS application fee.
- 25% back as a statement credit on Southwest Airlines inflight drink purchases.
Fees and interest rates
- Annual Fee$299
- Foreign currency conversion fee0%
Terms & Conditions
Card Features
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- 4X points on Southwest® purchases.
- 3X points on Rapid Rewards® hotel & car rental partners.
- 2X points on rideshare.
- 2X points on social media & search engine advertising, internet, cable, & phone services.
- 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Chase. All trademarks are property of their respective owners.