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  1. Credit Cards
  2. Southwest® Rapid Rewards® Performance Business Credit Card
Chase

Southwest® Rapid Rewards® Performance Business Credit Card

Built for business owners who frequently fly Southwest Airlines, the Southwest Rapid Rewards Performance Business Credit Card accelerates point earnings and status progression while providing substantial travel conveniences. It functions as a specialized airline card designed to deliver maximum return for dedicated Southwest loyalists.

Welcome Offer
Earn 80,000 points
Annual Fee
$299
Rec. Credit Score
Good
Good For
Frequent Southwest business travelers
Learn MoreEstimate your value
Southwest® Rapid Rewards® Performance Business Credit Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Southwest® Rapid Rewards® Performance Business Credit Card worth it?

This card is great for...

Frequent Southwest flight purchases

A-List status progression through spend

Primary business rental car protection

The $299 annual fee is relatively easy to balance out for business owners who travel with Southwest multiple times a year. Each account anniversary brings 9,000 bonus points, which covers roughly $117 in airfare on its own. Additional features like a statement credit for Global Entry, TSA PreCheck, or NEXUS, along with primary car rental protection when renting for business purposes, provide immediate utility that quickly chips away at the fee.

MaxRewards

MaxRewards Verdict

This card is an outstanding asset for dedicated Southwest business travelers looking to reach status faster, but non-loyalists will find better value in a general travel rewards card.

Welcome Offer

Earn 80,000 points

after you spend $5,000 on purchases in the first 3 months from account opening.

Est. Value

$1,040

Required Spend

$5,000

Time Frame

3 Months

Est. Value

$1,040

Required Spend

$5,000

Time Frame

3 Months

Earning

Rewards

Cardholders earn elevated Rapid Rewards points on direct airline purchases alongside practical business categories like transit, rideshare, dining, and hotel bookings.

CategoryRate

Southwest Purchases

5.2%

Gas Stations, Restaurants

2.6%

Hotel Accommodations (Booked Directly With Hotel)

2.6%

Local Transit, Commuting, Rideshare

2.6%

All Other Purchases

1.3%

Rewards percent based on a valuation of 1.3¢ per Southwest point

Annual Credits & Perks

Benefits

A strong suite of ongoing flight perks, fee credits, and business travel protections helps offset the cost of holding the card each year.

BenefitAnnual value
$40
$30

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
Southwest® Rapid Rewards® Performance Business Credit CardGlobal Entry or TSA PreCheck® or Nexus Application Fee Statement Credit
Autotracked
$0 of $120Every 48 months

Benefits

Insurance

Purchase Protection

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.


Lost Luggage Reimbursement

Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.


Baggage Delay Insurance

Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.


Extended Warranty Protection

Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.


Roadside Assistance

If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at the time of dispatch.

Benefits

Status & Access

Get to A-List status faster

Earn 2,500 tier qualifying points (TQPs) toward A-List status for every $5,000 spent in purchases annually accelerating your way to A-List status.


Complimentary DashPass membership

$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.

Benefits

Other

9,000 anniversary points

Receive 9,000 anniversary points each year after your Cardmember anniversary.


Boarding benefit

Cardmembers and up to 8 additional passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.


First checked bag free

First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.


25% back on inflight purchases

Receive 25% back on inflight purchases.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$299

Purchase APR

19.49% - 27.99%

Variable

Transfer APR

19.49% - 27.99%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$15

Late Payment

None

For rates and fees of Southwest® Rapid Rewards® Performance Business Credit Card, please visit the Chase website.

Table of Contents

Southwest® Rapid Rewards® Performance Business Credit Card

Southwest® Rapid Rewards® Performance Business Credit Card

Learn More

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

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Sapphire Reserve for Business℠Sapphire Reserve for Business℠
Limited Time Offer

Earn 200,000 bonus points

Worth $3,000

After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

  • 7.5%12%Airline Tickets (Chase Travel), Hotels (Including The Edit) (Chase Travel), Car Rentals (Chase Travel), Cruises (Chase Travel), Activities and Tours (Chase Travel)
  • 7.5%7.5%Lyft Rides
  • 7.5%6%Flights (Booked Direct), Hotels (Booked Direct)

Annual Fee

$795

Rec. Credit

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Air Canada Aeroplan®Air Canada Aeroplan®

115,000 Points

Worth $1,610

After you spend $4,000 on purchases on your new card in your first 3 months of card membership.

  • 7.5%1.4%Everywhere

Annual Fee

$195

Rec. Credit

Excellent

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Chase Sapphire Reserve®Chase Sapphire Reserve®

Earn 100,000 bonus points

Worth $1,500

After you spend $6,000 on purchases in the first 3 months from account opening.

  • 7.5%12%Purchases (Chase Travel), The Edit (Chase Travel)
  • 7.5%6%Flights, Hotels
  • 7.5%4.5%Dining (Worldwide)

Annual Fee

$795

Rec. Credit

Excellent

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