Southwest^® Rapid Rewards^® Premier Business Credit Card — Review [2025]

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

Southwest^® Rapid Rewards^® Performance 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 frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.

Southwest^® Rapid Rewards^® Performance Business Credit Card

Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.

Welcome Offer

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.

80,000 points

UP's Offer Valuation*:

$1,040

Annual Fee

$199

APR

20.49% - 27.49% Variable

Credit Recommended

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

Cons

• $199 annual fee
• Doesn’t earn transferable rewards

Read Full Review

Card Highlights

• 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.

Ink Business Preferred^® Credit Card

Ink Business Preferred^® 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.

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.

Ink Business Preferred^® Credit Card

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.

Welcome Offer

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

90,000 points

UP's Offer Valuation*:

$1,800

Annual Fee

$95

APR

20.24% - 26.24% Variable

Credit Recommended

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

Read Full Review

Card Highlights

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening
• 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 more when you redeem for travel through Chase Travel^SM
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Financial Snapshot

• APR: 20.24% - 26.24% Variable
• Foreign Transaction Fees: $0

Rewards Center

Chase Ultimate Rewards

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.