Southwest Rapid Rewards® Premier Business Credit Card Review for 2022

The latest generation of Southwest Rapid Rewards® Premier Business Credit Card offers features that make it ideal for business travel. Benefits include a no foreign transaction fee, complimentary hotel upgrades and free companion ticket when traveling internationally with the cardholder as well as access to a second Chase line at no additional cost.

The “southwest rapid rewards credit card” is a credit card that offers an annual fee of $99 and no foreign transaction fees. It also has the Southwest Rapid Rewards® Premier Business Credit Card Review for 2022.

Chase’s Southwest Rapid Rewards® Premier Company Credit Card is for business owners who travel Southwest Airlines often. If you want to take advantage of travel features like free checked baggage and reward flights with no ban periods, this is a terrific travel rewards card. It has a modest yearly fee and no fees for international transactions.

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

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Chase’s Protected Website

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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 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.
• Purchase Insurance: Purchases are protected against damage or theft for 120 days. The maximum amount of coverage is $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 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.
• Purchase Insurance: Purchases are protected against damage or theft for 120 days. The maximum amount of coverage is $10,000 per claim and $50,000 per account.

How Do We Assess Business Travel Rewards Credit Cards?

We prioritize continuing benefits, initial incentives, and other perks when assessing travel rewards business credit cards like the Southwest Rapid Rewards® Premier Business Credit Card. We also consider the yearly charge, the interest-free period, and the continued annual percentage rates (APRs).

Who Should Use the Southwest Rapid Rewards® Premier Business Credit Card?

• Business travelers that commonly fly Southwest Airlines include: The Southwest Rapid Rewards® Premier Business Credit Card gives you points for purchases you make directly with Southwest Airlines, which you can use to get free tickets.
• Owners of businesses that often check bags include: The first and second luggage are checked in for free with this credit card.

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

• APR for the first time: None
• Ongoing Annual Percentage Rate (APR): 15.99 percent to 22.99 percent variable, based on prime rate.
• The annual charge is $99
• Fee for balance transfers: $5 or 5% of the transfer amount, 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® Premier Business Credit Card

• Spend $3,000 on purchases in the first three months of your account to get 60,000 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.
• On all other purchases, you’ll get 1 point for every $1 you spend.
• On in-flight purchases, you’ll get a 25% discount.
• To qualify for A-List rank, you may earn an infinite number of tier qualifying points.
• After each cardmember anniversary, you will get 6,000 points.
• 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.

Your points may be used for a seat on any Southwest Airlines trip. The amount of points required for a flight is determined by the cost and varies depending on your location, travel schedule, demand, and ticket type. You will be liable for any government-imposed taxes and fees on aircraft tickets.

Additional Benefits of the Southwest Rapid Rewards® Premier Business Credit Card

Flying Bags®

When you use your Southwest Rapid Rewards® Premier 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.

Insurance for Baggage Delay

You and your immediate family members are entitled for a bonus of $100 per person per day for up to three days if your checked luggage is delayed or misdirected by a carrier for more than six hours. The coverage is restricted to necessary goods such as clothes, toiletries, and mobile charging cords. Certain objects, including as prosthesis, tickets, papers, cash, jewelry, and technological equipment, are not covered by this insurance.

Reimbursement for Lost Luggage

Lost or damaged checked or carry-on baggage on a flight or when traveling on another covered carrier, such as a passenger train, is entitled for compensation of up to $3,000 per covered person. The cardholder and immediate family members are covered for jewelry, watches, cameras, video recorders, and other electronic devices up to a $500 maximum benefit. It is not covered if you lose your paperwork, money, or tickets.

Purchase Insurance

Within 120 days after purchase, Chase may repair, replace, or refund damaged or stolen products bought with your Chase business credit card. Coverage is restricted to $10,000 per item, with a total annual maximum of $50,000. Animals, live plants, collectibles, motorized vehicles, computer software, jewels carried in checked luggage, medical equipment, real estate, and things for resale are among the items that aren’t protected.

Protection under the Extended Warranty

On warranties of three years or less, Chase will extend the original manufacturer’s guarantee for an extra year, up to a limit of $10,000 per claim and $50,000 per account. You must have charged a part of the transaction to your card or used reward points to make the purchase in order to be eligible. Motorized cars, computer software, medical equipment, leased things, real estate, and items acquired for resale are among the purchases that aren’t covered.

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

Alternatives to the Southwest Rapid Rewards® Premier Business Credit Card

Credit Card Chase Ink Business PreferredSM

If you have a lot of travel costs but don’t require travel privileges like airport lounge access or free expedited airport security screening, the Chase Ink Business Preferred® is a great option. When points are redeemed for travel via Chase Ultimate Rewards®, they 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

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Chase’s Protected Website

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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.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• 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 trip is canceled, you can be reimbursed up to $15,000 for prepaid expenses like airfare or hotels. 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.

Excellent, 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.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• 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 trip is canceled, you can be reimbursed up to $15,000 for prepaid expenses like airfare or hotels. 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 a great option if you want to earn premium rewards points on travel and hotel bookings. You can also enjoy travel perks like access to more than 1,300 airport lounges worldwide and airline fee credit. You can redeem a minimum of 5,000 points to book travel on American Express Travel and receive 35% of your points back.

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

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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.

Excellent, 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.

Excellent, 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.

Capital One® Spark® Business Miles

The Capital One® Spark® Business Miles is a good alternative if you want a travel credit card that offers unlimited, fixed-rate rewards on all business-related purchases. This is a great option if you don’t want to keep track of spending categories. This credit card also allows you to transfer miles to any of its travel partners and redeem rewards for new travel reservations and past travel purchases made within 90 days.

Capital One® Spark® Business Miles

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.

Every swipe earns you 2x miles.

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on Capital One® Spark® Business Miles’s secure website.

Compare with

APR on a regular basis

20% (20.99%) (Variable)

Annual Fee

For the first year, there is no charge; after that, it is $95 each year.

Credit is required.

Excellent, Good

• After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
• 2 kilometers for every $1 invested
• Employee cards may be distributed for free.

Pros

• There are no costs for international transactions.
• Credit for TSA Pre® or Global Entry application fees

Cons

• After the first year, you’ll have to pay an annual charge.
• Doesn’t provide interest-free credit.

• Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
• Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
• On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months. 
• Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.

APR on a regular basis

20% (20.99%) (Variable)

Annual Fee

For the first year, there is no charge; after that, it is $95 each year.

Credit is required.

Excellent, Good

• After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
• 2 kilometers for every $1 invested
• Employee cards may be distributed for free.

Pros

• There are no costs for international transactions.
• Credit for TSA Pre® or Global Entry application fees

Cons

• After the first year, you’ll have to pay an annual charge.
• Doesn’t provide interest-free credit.

• Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
• Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
• On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months. 
• Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.

Conclusion

The Southwest Rapid Credits® Premier Company Credit Card is ideal for business owners who travel regularly with Southwest Airlines and want to take advantage of travel privileges, as well as earning rewards that can be redeemed for free flights. If this card isn’t appropriate for you, check out our Credit Card Marketplace and our guide to the top small business credit cards to see what else is available.

The “southwest business credit card 80,000” is a credit card that offers rewards for Southwest Rapid Rewards® Premier Business Credit Card Review for 2022.

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