Pros & Cons
Pros
- +Welcome Bonus: 80,000 points
- +Up to 3x on Southwest flights
- +No foreign transaction fees
Cons
- –High annual fee ($149/yr)
- –No lounge access
- –No purchase protection
Our Review
Optimize every business trip with the Southwest Rapid Rewards® Premier Business Credit Card.
- 80,000 bonus points after spending $5,000 within the first 3 months
- 3X points per $1 on Southwest® flights
- 2X points per $1 on Rapid Rewards® hotel and car rental partner purchases
- 2X points per $1 on local transit, rideshare, internet, cable & phone services
- 2X points per $1 on social media & search engine advertising
- 1X point per $1 on all other purchases
- 9,000 anniversary points each year
- 4 upgraded boardings per year when available
- No foreign transaction fees
- $199 annual fee
Designed for entrepreneurs who rely on Southwest for flights and invest in advertising and operations, this card accelerates your rewards on every dollar. Redeem points for free travel with no blackout dates, enjoy annual anniversary points to boost your balance, and breeze through security with upgraded boarding privileges. Manage your account and track your points seamlessly in the Southwest® mobile app or online portal, and keep foreign transaction costs at zero when you travel abroad.
Terms apply. Bonus points and anniversary credits require qualifying purchases. Upgraded boardings subject to availability. See issuer’s site for complete details.
Rewards
All Spending
1x
Southwest Rapid Rewards pts per dollar
Southwest flights
3x
Southwest Rapid Rewards pts per dollar
Gas
2x
Southwest Rapid Rewards pts per dollar
Restaurants
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
36,000
Southwest Rapid Rewards/yr
Estimated Value
$360
After Fees
+$211
1st Year Value
$1,011
incl. welcome bonus
Breakdown
Perks & Benefits
Priority Boarding
Included
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.
- Standard or Preferred seat selection within 48 hours of departure, when available.
- 6,000 bonus points each year after your Cardmember anniversary.
- 15% flight discount promo code each year on your Cardmember anniversary, excluding Basic fare.
- 25% back as a statement credit on Southwest Airlines inflight drink and WiFi purchases.
Fees and interest rates
- Annual Fee$149
- Foreign currency conversion fee0%
Terms & Conditions
Card Features
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- 6,000 bonus points after your Cardmember anniversary.
- 3X points on Southwest Airlines® purchases.
- 2X points on Rapid Rewards® hotel & car rental partners.
- 2X points on rideshare.
- 1X point per $1 on all other purchases.
- 2 EarlyBird Check-In® each year.
- 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.