Southwest Rapid Rewards® Performance Business

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Score Needed: Good to Excellent

At a glance

Welcome Offer

Earn up to 120,000 points - earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional 40,000 points when you spend $15,000 in 9 months.

Limited Time Offer

New Offer

All time high

Rewards

2X points per $1 spent on internet, cable, and phone services

2X points per $1 spent on local transit and commuting, including rideshare services

2X points per $1 spent on social media and search engine advertising

2X points per $1 spent on local transit and commuting, including rideshare services

2X points per $1 spent on internet, cable, and phone services

Points on other purchases

Intro APR

N/A

Balance Transfer Intro

N/A

Regular APR

21.49% - 28.49% Variable

Annual Fee

$199

Southwest Rapid Rewards® Performance Business

Maximize your business travel rewards with the Chase Southwest Rapid Rewards® Performance Business card. Enjoy an 80,000-point sign-up bonus, earn 3x points on Southwest flights, and 2x on ads and utilities. Benefit from no foreign transaction fees, in-flight Wi-Fi credits, and TSA Pre✓® fee credits. Plus, earn tier points towards A-List status and a Companion Pass.

Application Tips

Get the best results with each application

Application Pending? Check your status online at Chase.com/Customer-Center/Check my app status or by calling 1-888-609-7805 or 1-888-338-2586. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? If you get approved for one Chase card, try applying for a second on the same day. If your first application is still pending, wait for it to be approved before applying for another.

Application Declined? You have 30 days to request reconsideration by calling 1-888-609-7805. If you call the same day you applied, there won’t be another hard credit check. Keep in mind, if it's due to the Chase 5/24 rule, they likely won’t reconsider.

Approval Rules: Chase typically declines if you’ve opened 5 new credit cards in the last 24 months. They usually approve up to 2 Chase cards within 30 days, counting business and personal cards separately. Read more about the Chase 5/24 rule and how to review your report.

Limit Increase

Credit Inquires

No items found at this time

Chase Bank will usually pull your Experian credit report.

Application Inquires Inquiries for all personal or all business cards on the same day are combined, but personal and business inquiries aren’t mixed.

Welcome Offer Eligibility: Chase might not approve you if you’ve already gotten a welcome bonus on the Chase Ink Cash card for the same business in the last 24 months. But if you do get approved, you’ll still get the bonus. You can still get approved and receive the bonus even if you’ve had a bonus from other Chase Ink cards (like Ink Preferred, Ink Premier, or Ink Unlimited) within 24 months. You can also apply for the same card for a different business, even with the same owner, and get the bonus within 24 months.

Downgrade Options

The Southwest Rapid Rewards Performance Business card can be downgraded to the Southwest Business Premier ($99). Please note, Chase will only allow you to downgrade the card after 12 months of account opening.

Getting your card

Rescore your report: To update your balance off-cycle, call 1-888-682-8361. If you pay your balance to zero, Chase will automatically update your report within 48 hours.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits

Card holder benefits

As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.

Reward Terms

Lost Luggage Insurance

Luggage Delay Insurance

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Lost Luggage Insurance

Lost Luggage Reimbursement

If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.

Global Entry and TSA Pre-check

Global Entry, TSA PreCheck® or NEXUS fee credit

Receive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when you use your card.

Extended Warranty

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Credits

DoorDash

Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.

Luggage Delay Insurance

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Anniversary Bonus

9000 anniversary points each year

Receive 9,000 bonus points each year after your Cardmember anniversary.

Extra Redemption Value

1,500 tier qualifying points

Earn 1,500 tier qualifying points toward A-List status for every $5,000 spent – with no limit on the amount of TQPs you can earn.

Credits

$500 Fee credit for points transfers

$500 Fee credit for points transfers when you use your Rapid Rewards Business Credit Card to transfer points to another Rapid Rewards Member, fees associated with the transfer will be reimbursed – up to $500 in statement credits per anniversary year.

Rewards redemption

Redeem your spending bonus

How to Redeem your valuable credits

Cash Redemption

You can use the points to Pay Yourself Back at 1.0 cent per point to pay the annual fee and 0.8 cents per point for up to $200 total in statement credits to offset purchases in the following categories:

Dining
Gas

Travel Redemption

The points can be used at approximately 1 penny per point to book award flights with one of the Southwest airline partners.

You can book award flights using your Southwest miles with Southwest airlines and its partners here.

Transfer your Southwest Rapid Rewards to any of the following Chase Travel Partners.

Points Transfer Partners

No transfer partners found

Fees

Fees you may encounter as a cardmember

See Rates and Fees

Balance transfer Intro Offer

N/A

Balance transfer Fee

Balance transfer Terms

Foreign Transactions

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Why We Like it

If you're running a business and flying often, the Chase Southwest Rapid Rewards® Performance Business card is a no-brainer. Here are the top reasons why we love it:

Hefty Sign-Up Bonus: Get 80,000 points after spending $5,000 in the first 3 months.
Earn Points Quickly: 3x points on Southwest purchases and 2x on social media and search engine advertising, internet, cable, and phone services.
Travel Benefits: Four upgraded boardings per year.
No Foreign Transaction Fees: Pay abroad without extra charges.
In-Flight Wi-Fi Credits: Save big on in-air connectivity.
Earn Tier Qualifying Points: Get closer to A-List status with 1,500 TQPs for every $10,000 spent.
Global Entry/TSA Pre✓® Fee Credit: Breeze through airport security.
Companion Pass Eligibility: Earn more points to bring a buddy for free.
Anniversary Bonus: 9,000 bonus points each year on your account anniversary.
Points Don’t Expire: Use your points whenever you want.

Grab this card and make your business travel more rewarding!

Considerations

Chase Southwest Rapid Rewards® Performance Business Card

Annual fee: $199.
Limited airline options: Best for Southwest Airlines.
No intro APR.
Companion pass requires significant spending.
Fewer luxury perks.
Limited international routes.
High APR.
Reward redemption constraints: Best for Southwest flights.

Southwest Rapid Rewards® Performance Business

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Why We Like it

Considerations

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