Chase
Southwest Rapid Rewards Performance Business Credit Card
TravelCash BackBusinessAirlineDiningGasHotelNo Foreign Transaction Fees
Key Features
| Annual Fee | $299.00 |
| Regular APR | 19.24Min. of (6.75+12.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% variable APR. |
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Best for those with
Good Credit
About this card
The Southwest Rapid Rewards Performance Business Credit Card is a solid offering, particularly for businesses with a strong Southwest travel focus. Its rewards program is lucrative for Southwest loyalists, and the sign-up bonus is quite generous. However, the high APR and annual fee temper its overall appeal. Given the strong reputation and targeted value proposition, the card earns a rating of 3.6 out of 5. Its rewards structure is great, but other aspects impact the overall experience.
3.6
Overall Rating
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Automatic points boost each year
- No foreign transaction fees
- TSA PreCheck or Global Entry credit
- Complimentary seat selection and checked bag
Things to consider
- Annual fee
- High regular APR
- Limited rewards categories
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
Rewards
- 4 points: You'll earn 4 points for each $1 spent on purchases made directly with Southwest Airlines®, including flight, inflight, Southwest® gift cards, and Southwest Vacations® or Getaways by SouthwestTM packages.
- Until December 31, 2025, you'll earn 4 points for each $1 spent on Southwest Cruises purchases.
- 3 points: Until December 31, 2025, you'll earn 3 points for each $1 spent on purchases at participating Rapid Rewards® hotel and rental car partners.
- 2 points: You'll earn 2 points for each $1 spent on purchases in the following rewards categories: gas stations; dining at restaurants; hotel accommodations when purchased directly with the hotel.
- 2 points: You'll earn 2 points for each $1 spent on purchases in the local transit and commuting rewards category.
- 2 points: Until December 31, 2025, you'll earn 2 points for each $1 spent on purchases in the following rewards categories: social media and search engine advertising; internet, cable, and phone services.
- 1 point: You'll earn 1 point for each $1 spent on all other purchases.
Other features
- Complimentary Preferred seat selection at booking and Extra Legroom seat upgrades 48 hs. prior to departure, when available. Plus, free first checked bag.
- Complimentary Preferred seat at booking - Select a Preferred seat at booking, at no additional charge, when available. For flights operating with assigned seating in 2026 and beyond.
- First checked bag free - Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost. For a group of 4 this would be a savings of up to $280 roundtrip ($35 per bag per trip).
- Extra Legroom seat upgrade - Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available. For flights operating with assigned seating in 2026 and beyond.
- Boarding benefit - Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins. For flights operating with assigned seating in 2026 and beyond.
- 25% back on inflight purchases.
- Receive 9,000 bonus points each year after your Cardmember anniversary.
- 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.
- 10,000 Companion Pass qualifying points boost each year.
- Employee cards at no additional cost and earn points on employee spending.
- Global Entry, TSA PreCheck® or NEXUS fee credit up to $120 every 4 years - Receive one statement credit of up to $120 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when you use your card.
- Unlimited reward seats to more than 100 destinations in the U.S., Central America, Mexico, and the Caribbean
- No blackout dates
- Earn points on every purchase with no limits
- No foreign transaction fees
- 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.
- 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.
- Contactless - Just Tap To Pay
- Chase Pay Over Time lets eligible Chase business card customers break up credit card expenses into manageable payments. Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
Additional Notes
Southwest Rapid Rewards® Credit Cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.
Ratings
4.3
4.1
3.8
1.5
2.8

