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Southwest® Rapid Rewards® Premier Business Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Southwest® Rapid Rewards® Premier Business Credit Card
Business owners who fly Southwest often can earn extra points for all of their spending and add employee cards at no additional cost.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Southwest® Rapid Rewards® Premier Business Credit Card is designed for business owners who regularly fly with Southwest and want a card that helps them earn more points while providing benefits such as 25% back on inflight purchases and EarlyBird Check-In certificates.
Card Details
Card Snapshot
Welcome Bonus & Info
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
6,000 bonus points after your Cardmember anniversary.
Earn 3X points on Southwest Airlines® purchases.
Earn 2X points on Rapid Rewards® hotel and car rental partners.
2x points per $1 on Rapid Rewards hotel and rental car partners
2x points per $1 on local transit and commuting purchases, including ride-share, passenger trains, buses, taxis, tolls, and parking lots and garages
1x point per $1 on all other purchases
6,000 anniversary points
2 EarlyBird Check-In certificates per year
25% back on inflight purchases
$500 fee credit for points transfers per year
1,500 tier qualifying points (TQPs) toward A-List status for every $10,000 spent
Employee cards at no added cost
No foreign transaction fees
Lost luggage insurance
Baggage delay insurance
Purchase protection and extended warranty protection
Cons
$99 annual fee
Doesn’t earn transferable rewards
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The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
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Great Card If
You regularly fly with Southwest
You want a card that can help you reach Southwest elite status
Don’t Get If
You hardly ever fly with Southwest
You want a card that earns points that can be redeemed with multiple airlines
Southwest Premier Business Card — Is It Worth It?
For business owners who regularly fly with Southwest, the Southwest Premier Business card is a great card to have in your wallet. The card helps you earn more points on all your business expenses. It comes with benefits such as anniversary points each year, EarlyBird check-in certificates, discounts on inflight purchases, and more.
Plus, cardholders can earn 1,500 tier qualifying points (TQPs) toward Southwest A-List status for every $5,000 spent, with no limit on the amount of TQPs you can earn. This is a great perk for those who may not fly enough to earn Southwest elite status organically but may have enough business expenses to help make qualifying easier.
Southwest Premier Business Card Top Benefits
Here’s a glance at some of the best benefits of the Southwest Premier Business card:
Travel Benefits
6,000 points each year: Each year you renew your card and pay your annual fee, you’ll receive a 6,000-point anniversary bonus. We value Southwest points at 1.3 cents apiece, making 6,000 points worth about $78.
2 EarlyBird Check-In certificates annually: These EarlyBird check-in certificates allow you to be one of the first to check in for your flight as soon as the window opens, giving you a higher boarding number to grab a better seat onboard.
25% back on inflight purchases: When you use your card to purchase drinks or Wi-Fi on board, you’ll receive 25% of the purchase back as a statement credit.
$500 fee credit for points transfers: Since Southwest charges a fee for transferring points to another Rapid Rewards member, this perk will allow you to make up to $500 worth of transfers fee-free yearly.
Unlimited tier qualifying points: Reach Southwest A-List status faster by earning 1,500 tier qualifying points toward A-List status for every $5,000 spent on your card. Since there is no limit to the number of tier-qualifying points you can earn this way, you could spend your way to Southwest A-List status.
Travel and Purchases Protections
Baggage Delay Insurance: If your checked bag is delayed by more than 6 hours, you’ll receive $100 in coverage towards essential items for each day your bag is delayed.
Lost Luggage Reimbursement: If the items inside your luggage are lost or damaged by the carrier, you’re covered for up to $3,000 per passenger.
Purchase Protection: Items purchased with the card are covered for theft or accidental damage, up to $50,000 in coverage, up to 120 days from the date of purchase.
Extended Warranty Protection: On eligible warranties of 3 years or less, your warranty coverage will be extended by 1 additional year.
No Foreign Transaction Fees: Use your card for international transactions without additional fees.
Best Ways To Earn and Redeem Southwest Rapid Rewards Points
The most straightforward ways to earn more Southwest Rapid Rewards points are by choosing Southwest Airlines for your personal and business travel and using the Southwest Premier Business card for your business expenses — especially on those that fall within the card’s bonus categories of Southwest purchases, Rapid Rewards hotel and car rental partner purchases, and local transit and commuting purchases.
When it comes to redeeming points, keep in mind that Rapid Rewards is a fixed-value currency, meaning the number of points needed for a ticket is tied to the cash cost of the ticket. Usually, your Southwest Rapid Rewards points will give you about 1.3 cents in value per point.
Alternative Cards to the Southwest Premier Business Card
Southwest® Rapid Rewards® Performance Business Credit Card
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.
Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
80,000 points
$1,040
$199
20.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The Southwest® Rapid Rewards® Performance Business Credit Card is a phenomenal option for business owners who are Southwest frequent flyers. It helps you earn more points on all of your business expenses, offers upgraded boarding certificates and Wi-Fi credits, and helps you reach higher levels of Southwest elite status.
Pros & Cons
Pros
4x points per $1 spent on Southwest purchases
3x points per $1 spent on Rapid Rewards hotel and car rental partner purchases
2x points per $1 spent on social media and search engine advertising, internet, cable, and phone services
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
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
Financial Snapshot
APR: 20.49% - 27.49% Variable
Foreign Transaction Fees: None
If you want a Southwest business card that offers even more benefits, then you should give the Southwest Performance Business card a good look.
It offers 9,000 anniversary points instead of 6,000, 4 upgraded boarding certificates instead of 2, up to 365 inflight Wi-Fi credits per year, and a fee credit for Global Entry, TSA PreCheck, or NEXUS. You’ll also get perks like the ability to earn tier-qualifying points toward A-List status and a $500 annual fee credit for point transfers.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
90,000 points
$1,800
$95
20.24% - 26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros & Cons
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Cons
No elite travel benefits like airport lounge access
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Those who prefer a more well-rounded business card should consider the Ink Business Preferred card. The card earns 3x points per $1 spent on the first $150,000 spent in combined travel, shipping, advertising purchases made with social media sites and search engines, and internet, cable, and phone services.
Better yet, the Ink Business Preferred card’s rewards are transferable. You can redeem your points with various Chase airline and hotel transfer partners, including Southwest.
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