Chase · Visa · business

Southwest Rapid Rewards Premier Business Card

$149 annual fee · 1x on everything else · no foreign transaction fees

Earn rates · how we got this

Category	Rate	Cap
Gas	2x	on the first $8,000/year
Dining	2x	on the first $8,000/year
Everything else	1x	uncapped
Flights at Southwest only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site	3x	uncapped

See how it ranks: best gas cards · best dining cards.

Signup bonus: 60,000 points after $3,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-14.

Statement credits — $0/yr on paper · how we got this

Credit	Value	How it pays
Inflight drink/Wi-Fi rebate	$0/year	annual

Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.

Non-cash perks

6,000 bonus points every account-anniversary year
One 15% flight-discount promo code every account-anniversary year (excludes Basic fare)
First checked bag free for cardholder + up to 8 companions on same reservation
Group 5 boarding for cardholder + up to 8 companions
Standard/Preferred seat selection within 48 hours of departure when available
2,000 Tier Qualifying Points per $5,000 spent per program year toward A-List/A-List Preferred status
10,000 Companion Pass qualifying-point boost per calendar year

Does the fee earn out? · how we got this

The $149 fee minus $0 in printed credits leaves $149/yr to earn back through rewards — roughly $6,209 of gas spending at 2x (valuing Southwest Rapid Rewards at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.

Is this $149 fee worth it? See the break-even math →

Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.

Who this card is not for

Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:

Anyone who doesn't spend at Southwest. Its largest printed rate, 3x on flights, pays only at Southwest. Anywhere else it earns its base 1x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
A heavy gas spender. The 2x on gas stops after $8,000 of it per year. Past that the same purchases earn its base 1x, so the headline rate describes the first $8,000 only.

Comparing cards in the same currency? See the best cards that earn Southwest Rapid Rewards →