Southwest Rapid Rewards® Performance Business Credit Card
Built for businesses that run on Southwest. The 80,000-point welcome offer is the largest in the Southwest family, 9,000 anniversary points return every year, and seat perks match the personal Priority card. Employee cards are free and all spending pools toward the Companion Pass. The fee is $299.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 80,000-point welcome offer, the biggest in the Southwest lineup
- 9,000 anniversary points every year
- 4X points on Southwest purchases
- Preferred seats at booking and Extra Legroom upgrades inside 48 hours, when available
- Up to $120 Global Entry, TSA PreCheck or NEXUS credit every 4 years
- 2,500 TQPs per $5,000 spent plus a 10,000-point Companion Pass boost each year
- Free employee cards pooling points to one account
- Annual fee: $299, applied to the first billing statement
- Purchase APR: 19.24% - 27.74% Variable
- Intro APR: N/A
- Balance transfer APR: 19.24% - 27.74% Variable; fee: Either $5 or 5% of each transfer, whichever is greater
- Cash advance APR: 28.49% Variable; fee: Either $15 or 5% of each transaction, whichever is greater
- Late payment fee: $40
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- Your business flies Southwest for most domestic routes; 4X plus the anniversary points outrun the fee
- You want a fast lane to the Companion Pass; the offer, the boost and pooled employee spend all count
- Your team spends on gas, hotels, restaurants and rideshare, all 2X categories here
- You value seat perks on every flight without paying Business Select fares
- You should skip it if Southwest is a minor airline for your business; a flexible business travel card serves mixed itineraries better
Southwest Rapid Rewards® Performance Business Credit Card Review
The Southwest Rapid Rewards® Performance Business Credit Card is the airline's premium business product. This review covers the 80,000-point offer, the business earning categories and how the $299 fee compares with the value returned.
How You Earn
Southwest spending earns 4X and the 2X tier covers the categories road-heavy businesses hit weekly.
- 80,000-point welcome offer after $5,000 in 3 months
- 9,000 anniversary points each year
| Category | Earn rate |
|---|---|
| Southwest Airlines purchases | 4X points |
| Hotels booked directly | 2X points |
| Gas stations | 2X points |
| Restaurants | 2X points |
| Local transit and rideshare | 2X points |
| All other purchases | 1X points |
How You Redeem
Points redeem through Rapid Rewards against any Southwest fare, and business earning counts toward the Companion Pass.
- Southwest flights with no blackout dates
- Companion Pass qualification from card points
- Points never expire
Benefits and Protections
The benefit set matches the personal Priority card and adds business controls.
- Preferred seat selection at booking, when available
- Unlimited Extra Legroom upgrades within 48 hours of departure, when available
- First checked bag free for you and up to 8 passengers
- Group 5 boarding and 25% back on inflight purchases
- Up to $120 Global Entry, TSA PreCheck or NEXUS credit every 4 years
- Employee cards at no additional cost
Who This Card Is For
The clear pick for Southwest-first businesses, from consultants to regional field teams. If the airline carries your team weekly, the offer and anniversary points repay the $299 quickly.
- Businesses flying Southwest weekly or near it
- Owners pursuing the Companion Pass through business spend
- Teams that want free employee cards pooling one balance
Comparison
| Feature | Southwest Rapid Rewards® Performance Business Credit Card | Citi® / AAdvantage Business™ World Elite Mastercard® | United℠ Business Card |
|---|---|---|---|
| Annual Fee | $299 | $0 intro first year, then $99 | $150 |
| Welcome Offer | 80,000 points ($5,000 in 3 mo) | 65,000 miles ($4,000 in 4 mo) | Up to 110,000 miles + 2,000 PQP |
| Rewards Rate | 4X Southwest, 2X gas, dining, transit | 2x AA and select business categories | 8x total United flights, 2x business categories |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Southwest business flyers | American Airlines business flyers | United business flyers |
Issuer Comparison
| Feature | Southwest Rapid Rewards® Performance Business Credit Card | Southwest Rapid Rewards® Premier Business Credit Card | Southwest Rapid Rewards® Priority Credit Card |
|---|---|---|---|
| Annual Fee | $299 | $149 | $229 |
| Welcome Offer | 80,000 points ($5,000 in 3 mo) | 60,000 points ($3,000 in 3 mo) | 60,000 points ($2,000 in 3 mo) |
| Rewards Rate | 4X Southwest, 2X gas, dining, transit | 3X Southwest, 2X capped gas and dining | 4X Southwest, 2X gas and dining |
| Key Credits | 9,000 anniversary points, $120 GE credit | 6,000 anniversary points | 7,500 anniversary points, seat upgrades |
| Best For | Southwest-first businesses | Lighter Southwest business travel | Frequent personal Southwest flyers |
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