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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Southwest Rapid Rewards Performance Business Card card art
Southwest Performance Business 1 of 1
Comparing 1 card
Southwest Rapid Rewards Performance Business Card card art
Chase
Southwest Performance Business
Apply Details
Cost and value $299 fee
Annual fee
$299
Credits you can use a year, if you use every one
$30
Fee after credits
$269 a year net cost
Point value per point or mile
1.25¢ Estimate
Rewards currency
Southwest Rapid Rewards points
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 80,000 points, about $1,000
Bonus
80,000 points
Estimated value
$1,000
Spend to earn it less a month is easier
$5,000 in 90 days about $1,667 a month
Earning rates Top rate 4x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
2x about 2.5% back
Hotels
2x about 2.5% back
Gas
2x about 2.5% back
Transit / Rideshare
2x about 2.5% back
Everything else
1x about 1.2% back
Only on this card
  • 4x Brand purchases
  • 3x Car rentals and cruises
Statement credits $30 a year
Trusted traveler
  • $120 every 4 years
    What counts

    Statement credit of up to $120 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck, or NEXUS, by you or an authorized user.

Monthly credits to track fewer is less work
0
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel No status or lounges
Other status perks
  • Receive one boost of 10,000 Companion Pass qualifying points each calendar year, deposited by January 31st (or up to 30 days after account opening).
  • Earn 2,500 tier qualifying points (TQPs) toward Southwest Rapid Rewards A-List status for every $5,000 spent in purchases annually.
  • Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available, for the Cardmember and up to 8 additional passengers. Authorized users and employee cards are not eligible for this benefit.
Travel benefits
  • No blackout dates and unlimited reward seats apply to flights booked with points to more than 100 destinations.
  • Cardmembers and up to 8 additional passengers in the same reservation can check their first bag free; for a group of 4 this would be a savings of up to $360 roundtrip ($45 per bag per trip).
  • Complimentary Preferred seat selection at booking, when available, for the primary Cardmember and up to 8 additional passengers on the same reservation; for flights operating with assigned seating in 2026 and beyond.
Protection and insurance 4 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Trip delay
  • Reimburses up to $100 a day for up to 3 days for essential purchases when baggage is delayed over 6 hours.
Baggage
  • 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.
Extended warranty
  • Extends the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from purchase date.
Purchase protection
  • Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
Lifestyle and other perks 3 perks
Other perks
  • Earn 20,000 bonus points for each friend or business owner that gets approved for any Southwest Rapid Rewards Credit Card, up to 100,000 bonus points per year.
  • Employee cards are available at no additional cost and earn points on employee spending, with individual spending limits available.
  • Cardmembers and up to 8 passengers in the same reservation board with Group 5, giving them earlier access to overhead bins.
Employee cards Free
Cost
Employee cards are free.
Each one gets
  • Baggage delay insurance
  • Extended warranty protection
  • Lost luggage reimbursement
  • Purchase protection
Application rules 5/24
Issuer approval rules
  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

Bonus eligibility
Not listed
Card type
Business