Southwest® Rapid Rewards® Performance Business Credit Card
- Annual fee
- $199
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 20.99% to 27.99% variable based on creditworthiness and the Prime Rate
At a glance
When growing your business, traveling to trade shows, meeting clients, and networking can be crucial to your success; using a business airline rewards card that earns points from travel purchases can really make a difference. The Southwest® Rapid Rewards® Performance Business Credit Card, which offers up to 4X unlimited Rapid Rewards® points on business purchases and spending with Southwest Airlines®, as well as a suite of generous perks and benefits, is a great candidate for small business owners.
Our review of the Southwest® Rapid Rewards® Performance Business Credit Card
If you are a frequent traveler and business owner, the Southwest Rapid Rewards® Performance Business Credit Card is the perfect payment option for you. With a focus on travel rewards, this card offers incredible value for those who are always on the go.
Introductory & Annual Points Bonus
New cardholders can earn a generous 80,000 Bonus Points after spending $5,000 on eligible purchases within the first three months of account opening. This welcome offer has a cash value of approximately $900 when booking an award flight with Southwest. Additionally, cardholders receive a 9,000-point anniversary bonus each year.
How to Earn Points
The Southwest Rapid Rewards® Performance Business Credit Card offers robust bonus categories to maximize Rapid Rewards points. Cardholders earn 4X points on Southwest purchases, 3X points on Rapid Rewards hotel and car rental partner purchases, and 2X points on select travel and commuting categories. All other purchases earn 1X points per dollar spent.
How to Redeem Points
Redeeming points with Southwest Airlines is easy and straightforward. Points can be used for award flights with Southwest, as well as for booking with partner airlines, gift cards, merchandise, event access, or statement credits to your credit card account.
Southwest Perks
Cardholders enjoy a range of perks, including up to 365 InFlight Wi-Fi credits per year, four upgraded boardings per year, $500 in fee credits for points transfers, and security fast-track with Global Entry or TSA PreCheck®. Additionally, cardholders can earn 1,500 tier qualifying points for A-List status for every $10,000 spent.
Other Card Features
The Southwest Rapid Rewards® Performance Business Credit Card also offers no foreign transaction fees, EMV chip technology, complimentary employee cards, and access to partner benefits from Chase and Visa. Cardholders can enjoy a one-year complimentary DashPass membership, as well as various business protections and benefits.
FAQs About Southwest Rapid Rewards
- Can you use someone else’s Rapid Rewards number?
No, Rapid Rewards numbers are non-transferable.
- Can I get credit for past Southwest flights if I just joined Rapid Rewards?
Yes, you can request points for past flights up to 12 months after the flight.
- What is Rapid Rewards dining?
Rapid Rewards Dining is a rewards program that allows members to earn points from dining at select Southwest restaurant partners.
Should You Apply for the Southwest Rapid Rewards® Performance Business Credit Card?
If you are a business owner who values top-tier travel rewards and benefits, the Southwest Rapid Rewards® Performance Business Credit Card is a great choice. Despite the $199 annual fee, the card’s earning potential and perks make it a worthwhile investment for frequent travelers.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional 40,000 points when you spend $15,000 in 9 months.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
Who this card may suit
- You're a small business owner who frequently flies with Southwest Airlines®
- You want to earn up to 4X points on travel and business purchases
- You will take advantage of the chance to earn 80,000 bonus points by spending $5,000 on purchases in the first three months
Rates, fees and terms
| Annual Fee | $199 |
|---|---|
| Regular Purchase APR | 20.99% to 27.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 20.99% to 27.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.74% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $15 or 5% of the amount of each cash advance, whichever is greater |
| Penalty APR | Up to 29.99% variable based on the Prime Rate |
| Late Payment Penalty Fee | $40 |
| Return Payment Penalty Fee | $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Southwest® Rapid Rewards® Performance Business Credit Card
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