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

Southwest® Rapid Rewards® Premier Business Credit Card

Built for small business owners who regularly fly Southwest, the Southwest Rapid Rewards Premier Business Credit Card is strongest as an airline loyalty card, not an all-purpose business spender. It makes the most sense if Southwest is already your go-to carrier and you can use the card’s bag, boarding, anniversary points, and status-related perks often enough to justify the $149 annual fee.

Welcome Offer
Earn 60,000 points
Annual Fee
$149
Rec. Credit Score
Good
Good For
Frequent Southwest flyers
Learn MoreEstimate your value
Southwest® Rapid Rewards® Premier 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® Premier Business Credit Card worth it?

This card is great for...

Southwest business travel

Checked bags and earlier boarding

Companion Pass progress

This card is worth it for businesses that fly Southwest often enough to get repeated use from the airline-specific perks. The first checked bag free benefit, Group 5 boarding, 6,000 anniversary points, and annual 15% flight discount can go a long way toward offsetting the $149 annual fee if you book several Southwest trips a year. The card also gets more interesting for loyal flyers chasing A-List status or Companion Pass progress, since it adds a yearly qualifying points boost and lets spending help with A-List.

If Southwest is only an occasional airline for you, the case is much weaker. Outside Southwest purchases, the rewards structure is fairly limited, with only modest bonus categories and a cap on gas station and restaurant earnings. Most business owners will want a stronger everyday card for general spending, and then use this one mainly for Southwest purchases and to hold the travel benefits.

MaxRewards

MaxRewards Verdict

A solid fit for businesses that consistently choose Southwest and will use the airline perks several times a year. For broader business spending, it works better as a companion airline card than as your primary rewards card.

Welcome Offer

Earn 60,000 points

after you spend $3,000 on purchases in the first 3 months your account is open.

Est. Value

$780

Required Spend

$3,000

Time Frame

3 Months

Est. Value

$780

Required Spend

$3,000

Time Frame

3 Months

Earning

Rewards

Rapid Rewards points are easy to understand because their value is closely tied to Southwest fares. This card earns best when you spend directly with Southwest, while the restaurant and gas station bonuses add some extra value but do not make it a standout everyday business card.

CategoryRate

Southwest Airlines Purchases

3.9%

Gas Stations, Restaurants

Up to $8,000 spend per year

2.6%

All Other Purchases

1.3%

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

Annual Credits & Perks

Benefits

The real value here comes from practical Southwest travel perks rather than luxury extras. If you check bags, want earlier boarding, or fly enough to care about anniversary points and status progress, these benefits matter much more than the card’s secondary protections.

BenefitAnnual value
$40

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.

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Southwest® Rapid Rewards® Premier Business Credit CardDoorDash non-restaurant promo
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$0 of $10Every 3 months

Benefits

Insurance

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.


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.


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 2,000 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

6,000 anniversary points

6,000 anniversary points every year on your Cardmember Anniversary.


25% back on inflight purchases

Receive 25% back on inflight purchases.


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.


15% Flight Discount

Receive a 15% promo code each year on your cardmember anniversary (Excludes Basic fare).

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

$149

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® Premier Business Credit Card, please visit the Chase website.

Table of Contents

Southwest® Rapid Rewards® Premier Business Credit Card

Southwest® Rapid Rewards® Premier 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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Worth $3,000

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Rec. Credit

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Chase Sapphire Reserve®Chase Sapphire Reserve®

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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 (Booked Direct), Hotels (Booked Direct)
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Annual Fee

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Rec. Credit

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Ink Business Preferred® Credit CardInk Business Preferred® Credit Card

Earn 100,000 bonus points

Worth $1,500

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

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  • 7.5%1.5%All Other Purchases

Annual Fee

$95

Rec. Credit

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