Southwest Rapid Rewards® Performance Business Credit Card Review for 2022

Due to its high sign-up bonus and a low annual fee, the Southwest Rapid Rewards® Performance Business Credit Card is one of our top picks for business owners. It offers great rewards for travel and shopping purchases.

The “southwest rapid rewards business card review” is a credit card that offers a sign up bonus, as well as other benefits. It also has an annual fee of $99.

The Chase Southwest Rapid Rewards® Performance Company credit card is intended for business owners who often travel Southwest Airlines. It comes with special travel benefits including Credits for in-flight Wi-Fi, a price credit for Global Entry or TSA Pre®, and up to four enhanced boardings each year. It has a one-time cost of $199 and no international transaction fees.

Southwest® Rapid Rewards® Performance Business Credit Card is a credit card issued by Southwest Airlines.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Those who desire a credit on their Global Entry or TSA Pre® application fees should fly Southwest.

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APR on a regular basis

Variable (15.99 percent – 22.99 percent)

• After you spend $5,000 on purchases in the first three months, you’ll get 80,000 points.
• After your Cardmember anniversary, you’ll get 9,000 extra points.
• Purchases made with Southwest® earn you 4X points.
• Rapid Rewards® hotel and vehicle partners provide 3X points.
• Rideshare earns you 2X points.
• Get 2X points on social media and search engine advertising, as well as internet, cable, and phone services, and 1X points on everything else.
• Upgraded Boardings are provided four times per year.
• Fee credit for Global Entry or TSA PreCheck®.

Pros

• TSA Pre® or Global Entry® membership is free.
• Large sign-up incentive that may help you get a companion pass.
• When compared to other Southwest cards, you’ll get the greatest rewards for your Southwest expenditures.

Cons

• The yearly price is high, and it is not waived the first year.
• Outside of Southwest flights, the value of a reward redemption is minimal.
• International travel alternatives are limited.

• Reimbursement for Global Entry or TSA PreCheck: Get up to $100 in application fee credits for Global Entry or $85 for TSA PreCheck.
• Enhanced boardings: Southwest will compensate you for up to four upgraded boardings per anniversary year.
• Insurance for Baggage Delay reimburses you up to $100 per day for three days for necessary items such as toiletries and clothes if your luggage is delayed for more than six hours.

APR on a regular basis

Variable (15.99 percent – 22.99 percent)

• After you spend $5,000 on purchases in the first three months, you’ll get 80,000 points.
• After your Cardmember anniversary, you’ll get 9,000 extra points.
• Purchases made with Southwest® earn you 4X points.
• Rapid Rewards® hotel and vehicle partners provide 3X points.
• Rideshare earns you 2X points.
• Get 2X points on social media and search engine advertising, as well as internet, cable, and phone services, and 1X points on everything else.
• Upgraded Boardings are provided four times per year.
• Fee credit for Global Entry or TSA PreCheck®.

Pros

• TSA Pre® or Global Entry® membership is free.
• Large sign-up incentive that may help you get a companion pass.
• When compared to other Southwest cards, you’ll get the greatest rewards for your Southwest expenditures.

Cons

• The yearly price is high, and it is not waived the first year.
• Outside of Southwest flights, the value of a reward redemption is minimal.
• International travel alternatives are limited.

• Reimbursement for Global Entry or TSA PreCheck: Get up to $100 in application fee credits for Global Entry or $85 for TSA PreCheck.
• Enhanced boardings: Southwest will compensate you for up to four upgraded boardings per anniversary year.
• Insurance for Baggage Delay reimburses you up to $100 per day for three days for necessary items such as toiletries and clothes if your luggage is delayed for more than six hours.

How Do We Assess Business Travel Rewards Credit Cards?

We analyze the continuing benefits, initial incentives, and other perks when assessing travel rewards small business credit cards like the Southwest Rapid Rewards® Performance Business Credit Card. We also consider the yearly charge, the first no-interest term, and the recurring annual percentage rates (APRs).

Who Should Apply for the Southwest Rapid Rewards® Performance Business Credit Card?

• Business owners who travel Southwest Airlines frequently: On purchases made directly with Southwest Airlines, you’ll get four points every dollar spent. These points may be used for free flights.
• Traveling business owners: In addition to free flights, the Southwest Rapid Rewards® Performance Business Credit Card lets you use your points to book hotel stays and car rentals around the nation.

Fees for using the Southwest Rapid Rewards® Performance Business Credit Card

• APR for the first time: None
• Ongoing Annual Percentage Rate (APR): 15.99 percent to 22.99 percent variable (adjusts with prime rate)
• $199 for the year
• Fee for balance transfers: $5 or 5% of the amount transferred, whichever is larger.
• Fees for international transactions: none
• Cash advance fee: $15 or 5% of each transaction’s total amount, whichever is greater—APR is 24.99 percent.

Rewards with the Southwest Rapid Rewards® Performance Business Credit Card

• Spend $5,000 on purchases within the first three months after creating an account to get 80,000 points.
• For every dollar spent on Southwest Airlines® directly, including flights, in-flight purchases, Southwest gift cards, and Southwest Vacations package purchases, you will earn 4 points.
• Rapid Rewards hotel and vehicle hire partners get 3 points each dollar spent.
• For every dollar spent on social media and search engine advertising, internet, cable, and phone services, as well as local transportation and commuting, including ridesharing, you will get two points.
• 2 points for advertising on social media and search engines, as well as internet, cable, and phone services, and 1 point for everything else.
• Each account anniversary earns you 9,000 additional points.
• When available, four free upgraded boarding passes are provided each year.
• For every $10,000 spend, you’ll earn 1,500 tier qualifying points toward A-List rank.
• Fees connected with using your card to transfer points to another Rapid Rewards member or a pre-selected charity approved by Southwest with an active Rapid Rewards account will be reimbursed with a $500 fee statement credit.
• Up to 365 credits for in-flight Wi-Fi every year
• Fee Credit for Global Entry or TSA PreCheck®
• When available, 4 upgraded boardings each year

Your points may be redeemed for free flights on Southwest Airlines to more than 90 locations, as well as international flights on more than 50 global airlines. Points may also be redeemed for free hotel stays, vehicle rentals, and products such as electronics, golf equipment, luggage, and travel accessories. You may also exchange your points for gift cards provided you have a minimum of 3,000 points.

Features of the Southwest Rapid Rewards® Performance Business Credit Card

Each year, four upgraded boardings are available.

Southwest will compensate you for up to four enhanced boardings, which are boarding slots A1 through A15, each anniversary year. Upgraded boardings are only available on the day of travel at your gate or ticket counter if they are available. Upgraded boardings cost $30, $40, or $50, depending on your schedule, making this perk worth up to $200.

Reimbursement for Global Entry or TSA Pre®

When you apply for Global Entry ($100) or TSA Pre® ($85) using the Southwest Rapid Rewards® Performance Business credit card, you may get a statement credit once every four years. These services allow you to skip the airport security queues and go through security inspections faster.

Credits for in-flight Wi-Fi

When you use your Southwest Rapid Rewards® Performance Business Credit Card to purchase Wi-Fi access on Wi-Fi-enabled fights, you’ll receive Credits for in-flight Wi-Fi in the form of a statement credit. Southwest limits Credits for in-flight Wi-Fi to 365 $8 credits per year for all Wi-Fi transactions on your account.

Flying Bags®

When you use your Southwest Rapid Rewards® Performance Business Credit Card to travel with Southwest Airlines, you may check your first and second baggage for free. This option may save you hundreds of dollars, particularly if you travel often for business and must check your bags.

Collision Damage Waiver for Car Rentals

When you hire a car using your Chase credit card, Chase will compensate you for damage caused by an accident or theft up to the real cash worth of the vehicle. Only rentals lasting fewer than 31 days are covered. You don’t have to submit a claim with your own personal vehicle insurance or accept the rental company’s insurance since this is primary coverage. Expensive, exotic, and vintage cars, vans, lorries, motorbikes, and recreational vehicles are not included.

Insurance for Baggage Delay

If your checked luggage is delayed or misdirected by a carrier for more than six hours, you are protected by baggage daily insurance. For up to three days, you and your immediate family will be eligible for a $100 per-day benefit. Prosthetics, jewelry, tickets, cash, and electronic devices are not covered under this policy.

Purchase Insurance

Purchase Insurance covers new purchases against theft or damage for the first 120 days after purchase. Chase may repair, replace, or reimburse you up to $10,000 per item and $50,000 per year. Animals and living plants, motorized vehicles, computer software, jewelry, medical equipment, consumables, real estate, and items for resale aren’t covered.

Protection under the Extended Warranty

On warranties of three years or less, the Southwest Rapid Rewards® Performance Business credit card gives an extended warranty of up to one year. Motorized vehicles, computer software, medical equipment, real estate, leased products, and preowned items are all excluded from this protection.

Insurance for Travel Accidents

When you use your Southwest business credit card to pay for your air, bus, train, or cruise fare, you and your immediate family members are eligible for Insurance for Travel Accidents up to $500,000. Incidents that are covered included loss of life, limbs, sight, speech, or hearing. To be eligible, the travel fares should have been paid for entirely using your card or with your Southwest rewards.

Reimbursement for Lost Baggage

Lost luggage reimbursement of up to $3,000 is available with the Southwest Rapid Rewards® Performance Business credit card for any lost carry-on or checked baggage while in transit. A reward of up to $500 is also included for jewelry, watches, cameras, video recorders, and other technological equipment. Money, securities, tickets, checks, traveler’s checks, and furs are not covered by the insurance.

Travel & Emergency Assistance Services

The cardholder, their spouse, and any dependant children under the age of 22 will have 24-hour access to travel, emergency, medical, and legal support. Due to the fact that this is only a concierge service, cardholders will be liable for any items or services given.

Pros & Cons of the Southwest Rapid Rewards® Performance Business Credit Card

Alternatives to the Southwest Rapid® Rewards Performance Business Credit Card

Credit Card for Southwest Rapid Rewards® Premier Business

The Credit Card for Southwest Rapid Rewards® Premier Business is a great alternative if you want a Southwest co-branded card that has a The yearly charge is low.. This is also a good option if you won’t need other premium travel perks—such as Credits for in-flight Wi-Fi, Global Entry or TSA Pre✓® fee credit, and upgraded boardings.

Credit Card for Southwest® Rapid Rewards® Premier Business

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting points for your Southwest purchases

Apply Now

Chase’s Protected Website

Compare with

APR on a regular basis

Variable (15.99 percent – 22.99 percent)

• Spend $3,000 on purchases in the first three months of your account to get 60,000 points.
• After your Cardmember anniversary, you’ll get 6,000 extra points.
• Purchases made on Southwest Airlines® will earn you 3X points.
• Rapid Rewards® hotel and vehicle partners provide 2X points.
• Rideshare earns you 2X points.
• All other purchases get 1 point each $1 spent.
• Each year, there are two EarlyBird Check-In® opportunities.
• To qualify for A-List rank, you may earn an infinite number of tier qualifying points.

Pros

• There are no ban dates, and you may book as many reward tickets as you like.
• The yearly charge is low.
• There are no costs for international transactions.

Cons

• There is no preamble. APR is zero percent.
• Southwest Airlines’ premium privileges aren’t available.
• Reward opportunities are limited.

• If you or your immediate family members’ checked or carry-on baggage are damaged or lost, you may get up to $3,000 in compensation.
• Insurance for Baggage Delay: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours; up to $100 a day for 3 days.
• Purchase Insurance: Covers purchases for 120 days against damage or theft. Coverage is capped at $10,000 per claim and $50,000 per account.

APR on a regular basis

Variable (15.99 percent – 22.99 percent)

• Spend $3,000 on purchases in the first three months of your account to get 60,000 points.
• After your Cardmember anniversary, you’ll get 6,000 extra points.
• Purchases made on Southwest Airlines® will earn you 3X points.
• Rapid Rewards® hotel and vehicle partners provide 2X points.
• Rideshare earns you 2X points.
• All other purchases get 1 point each $1 spent.
• Each year, there are two EarlyBird Check-In® opportunities.
• To qualify for A-List rank, you may earn an infinite number of tier qualifying points.

Pros

• There are no ban dates, and you may book as many reward tickets as you like.
• The yearly charge is low.
• There are no costs for international transactions.

Cons

• There is no preamble. APR is zero percent.
• Southwest Airlines’ premium privileges aren’t available.
• Reward opportunities are limited.

• If you or your immediate family members’ checked or carry-on baggage are damaged or lost, you may get up to $3,000 in compensation.
• Insurance for Baggage Delay: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours; up to $100 a day for 3 days.
• Purchase Insurance: Covers purchases for 120 days against damage or theft. Coverage is capped at $10,000 per claim and $50,000 per account.

Credit Card Chase Ink Business Preferred®

If you have significant travel expenses and won’t need travel perks like airport lounge access or free expedited airport security screening, consider the Credit Card Chase Ink Business Preferred®. Your When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more..

Credit Card Ink Business Preferred®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your travel rewards while paying a smaller annual charge

Apply Now

Chase’s Protected Website

Compare with

APR on a regular basis

Variable between 15.99 and 20.99 percent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Insurance covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• An yearly fee is charged.

• Collision Damage Waiver for Car Rentals: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

APR on a regular basis

Variable between 15.99 and 20.99 percent

Credit is required.

Good, Excellent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Insurance covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• An yearly fee is charged.

• Collision Damage Waiver for Car Rentals: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

The American Express Business Platinum Card® is a credit card offered by American Express.

The The American Express Business Platinum Card® is a credit card offered by American Express. is an excellent alternative if you want to enjoy travel perks, such as access to more than 1,300 airport lounges worldwide. This card is best for business owners who can pay their balance in full monthly.

American Express’s Business Platinum Card®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Obtaining unparalleled travel rewards and luxury travel benefits such as access to airport lounges

Apply Now

on American Express’s Business Platinum Card®’s secure website.

Compare with

Intro APR

See the APR (Annual Percentage Rate) for Pay Over Time.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
• Plus, for purchases qualifying for Pay Over Time, there’s a 0% Intro APR for the first 12 months from the day the account is opened. Then, depending on your creditworthiness and other characteristics established at the time of account establishment, your APR will range from 14.49 percent to 22.49 percent.
• On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
• Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
• $200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
• $179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
• At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
• The annual fee is $695.
• Terms and Conditions apply.

Pros

• Travel rewards of the highest quality
• Free access to over 1,300 airport lounges across the globe
• There are no costs for international transactions.

Cons

• The balance is required in full every month.
• The yearly price is rather high.

• American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
• Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
• A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
• Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
• Rental status: At a number of automobile rental businesses, you have elite status.
• Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
• Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 extra points every calendar year.
• Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.

Intro APR

See the APR (Annual Percentage Rate) for Pay Over Time.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
• Plus, for purchases qualifying for Pay Over Time, there’s a 0% Intro APR for the first 12 months from the day the account is opened. Then, depending on your creditworthiness and other characteristics established at the time of account establishment, your APR will range from 14.49 percent to 22.49 percent.
• On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
• Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
• $200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
• $179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
• At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
• The annual fee is $695.
• Terms and Conditions apply.

Pros

• Travel rewards of the highest quality
• Free access to over 1,300 airport lounges across the globe
• There are no costs for international transactions.

Cons

• The balance is required in full every month.
• The yearly price is rather high.

• American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
• Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
• A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
• Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
• Rental status: At a number of automobile rental businesses, you have elite status.
• Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
• Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 extra points every calendar year.
• Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.

Conclusion

The Southwest Rapid Rewards® Performance Business Credit Card is ideal for Southwest Airlines frequent fliers who want to take advantage of premium travel rewards. Visit our Credit Card Marketplace and read our guide to the top small business credit cards to discover alternative business credit cards that could be a better match.

The “southwest performance business card upgraded boarding” is a credit card that is designed for people who want to earn points on their purchases. The card offers a high-end experience and comes with the Southwest Rapid Rewards® Performance Business Credit Card Review for 2022.

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