Chase · Visa · business

Southwest Rapid Rewards Premier Business Card

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

Annual fee$149charged every year

Statement creditsNoneno credits printed

Top everyday rate2xon gas · 2.4¢ per $1

Welcome offer80,000Southwest Rapid Rewards after $3,000/3mo

Foreign transaction feeNonefine to use abroad

Terms verified 2026-08-21 against issuer terms · welcome offer re-checked 2026-10-28

Would it win on my charges? →Is the $149 fee worth it?

Earn rates · how we got this

Category	Rate	Cap
Gas	2x 2.4¢ per $1	on the first $8,000/year
Dining	2x 2.4¢ per $1	on the first $8,000/year
Everything else	1x 1.2¢ per $1	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.

What we have watched change

Differences between one check of the issuer's page and the next — not a reconstruction of the card's history. We only know what we were watching when it moved.

Welcome offer Southwest Rapid Rewards Premier Business Card welcome bonus rose from 60,000 to 80,000. 2026-09-29

Everything that changed, across the catalog →

Signup bonus: 80,000 points after $3,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Limited-time offer, raised from 60,000; Chase gives no end date. Bonus figure confirmed on the issuer's page 2026-10-28.

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

$0/yearInflight drink/Wi-Fi rebate 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 (through 2026)
10,000 Companion Pass qualifying points boost each calendar year (through 2026: Southwest retires Companion Pass qualifying points after 2026-12-31)
Welcome bonus counts as 2026 Companion Pass qualifying points (toward a pass valid through 2027-12-31) if you apply on or before 2026-12-02, are approved, and meet the bonus spend, even if the spend is met in early 2027
From 2027-01-01 every $1 of card purchases earns 1 Tier Qualifying Point toward status and Companion Pass trips (3 trips at 95,000 TQPs, unlimited at Platinum, 140,000 TQPs); welcome bonuses, referral bonuses, anniversary points and category bonus points no longer count toward Companion Pass

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 →