MaxRewards Logo
  • Home
Sign Up
MaxRewards Logo

Join over 900,000 members maximizing their rewards

Download on Google PlayDownload on the App Store
  • Facebook
  • Instagram
  • TikTok
  • LinkedIn
App
  • Best Card
  • Offers
  • Benefits
  • Insights
  • Aggregation
  • Platinum
Resources
  • About
  • Changelog
  • Careers
  • Help Center
  • Contact Us
Travel & Perks
  • Best Travel Credit Cards
  • Best Premium Credit Cards
  • Best Airline Credit Cards
  • Best Hotel Credit Cards
  • Best Welcome Offer Credit Cards
Everyday Rewards
  • Best Cash Back Credit Cards
  • Best Restaurants Credit Cards
  • Best Groceries Credit Cards
  • Best Gas & EV Credit Cards
  • Best No-Annual-Fee Credit Cards
Credit & Needs
  • Best Beginner Credit Cards
  • Best Student Credit Cards
  • Best Business Credit Cards

© 2026 MaxRewards. All Rights Reserved.

Terms & ConditionsPrivacy Policy
  1. Credit Cards
  2. Southwest® Rapid Rewards® Performance Business Credit Card
Chase

Southwest® Rapid Rewards® Performance Business Credit Card

Built for businesses that fly Southwest often, the Southwest Rapid Rewards Performance Business Credit Card is strongest as an airline loyalty card rather than a general business spender. Its value comes from Southwest-specific perks, anniversary points, and better earnings on Southwest purchases, with a few everyday bonus categories that help if this is one of your regular cards.

Welcome Offer
Earn 80,000 points
Annual Fee
$299
Rec. Credit Score
Good
Good For
Frequent Southwest business flyers
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...

Southwest work travel

Checked bags for team trips

A-List status chasing

This card is worth a look if your business books Southwest regularly and you can use the airline perks several times a year. The first checked bag free for the cardholder and up to eight additional passengers on the same reservation is one of the most practical benefits here, especially for small teams. Add in the 9,000 anniversary points, Group 5 boarding, the Global Entry or TSA PreCheck credit, and the annual fee becomes much easier to justify for a business that stays in the Southwest ecosystem.

For everyone else, the fit gets narrower. The bonus categories outside Southwest are decent but not hard to beat with broader travel or business rewards cards, and most of the card's real value depends on flying this one airline often enough to use the travel perks. If Southwest is not your main carrier, the $299 annual fee will likely be hard to justify after the welcome offer period.

MaxRewards

MaxRewards Verdict

This is a solid airline business card for companies that fly Southwest often enough to use the bag benefit, anniversary points, and boarding perks year after year. If your travel is spread across airlines, a more flexible business travel card will usually make more sense.

Welcome Offer

Earn 80,000 points

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

Est. Value

$1,200

Required Spend

$5,000

Time Frame

3 Months

Est. Value

$1,200

Required Spend

$5,000

Time Frame

3 Months

Earning

Rewards

Rapid Rewards points are most useful for businesses that already prefer Southwest, so the rewards story here is less about maximum category coverage and more about reinforcing that habit. You earn the most on Southwest purchases, with a handful of practical travel and on-the-road categories that can add up for frequent flyers.

CategoryRate

Southwest Purchases

6%

Gas Stations, Restaurants

3%

Hotel Accommodations (Booked Directly With Hotel)

4.5%

Local Transit, Commuting, Rideshare

3%

All Other Purchases

1.5%

Rewards percent based on a valuation of 1.5¢ per Southwest point

Annual Credits & Perks

Benefits

The key benefits are the ones that reduce the friction of Southwest travel: free checked bags, earlier boarding, anniversary points, and a path toward A-List status through spending. The rest of the package is a mix of useful travel protections and a few smaller credits that add some extra value around the edges.

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

19.24% - 27.74%

Variable

Transfer APR

19.24% - 27.74%

Variable

Cash Advance APR

28.49%

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.

Other cards from Chase

See all 45 cards
Sapphire Reserve for Business℠Sapphire Reserve for Business℠
Limited Time Offer

Earn 200,000 bonus points

Worth $2,500

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.

  • 6.25%10%Airline Tickets (Chase Travel), Hotels (Including The Edit) (Chase Travel), Car Rentals (Chase Travel), Cruises (Chase Travel), Activities and Tours (Chase Travel)
  • 6.25%6.25%Lyft Rides
  • 6.25%5%Flights (Booked Direct), Hotels (Booked Direct)

Annual Fee

$795

Rec. Credit

Good

View card details
Chase Sapphire Reserve®Chase Sapphire Reserve®

Earn 100,000 bonus points

Worth $1,250

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

  • 6.25%10%Purchases (Chase Travel), The Edit (Chase Travel)
  • 6.25%5%Flights (Booked Direct), Hotels (Booked Direct)
  • 6.25%3.75%Dining (Worldwide)

Annual Fee

$795

Rec. Credit

Excellent

View card details
Ink Business Preferred® Credit CardInk Business Preferred® Credit Card

Earn 100,000 bonus points

Worth $1,250

After you spend $8,000 on purchases in the first 3 months from account opening.

  • 6.25%3.75%Travel, Shipping Purchases, Internet, Cable and Phone Services, Advertising (Social Media Sites and Search Engines)
  • 6.25%1.25%All Other Purchases

Annual Fee

$95

Rec. Credit

Good

View card details