Southwest® Rapid Rewards® Performance Business Credit Card
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Southwest® Rapid Rewards® Performance Business Credit Card
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Southwest Rapid Rewards® Performance Business Credit Card Review: Is It Worth It?

Southwest Rapid Rewards® Performance Business Credit Card Review: Is It Worth It?

With its large sign-up bonus, annual bonus and ongoing benefits like Wi-Fi credits on Southwest flights, the Southwest® Rapid Rewards® Performance Business Credit Card Review is the most valuable of Rapid Rewards cards.

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Quick facts

More details

Rates & fees

  • Credit needed: 720 - 850
  • Sign-up bonus: Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
  • Earning rate: Earn 4 points per $1 spent on Southwest® purchases. Earn 3 points per $1 spent on Rapid Rewards® hotel and car rental partners. Earn 2 points per $1 spent on local transit and commuting, including rideshare. Earn 2 points per $1 spent on social media and search engine advertising, internet, cable, and phone services. Earn 1 point per $1 spent on all other purchases.
  • Annual fee: $199
  • Annual bonus: 9,000 points each year after your card anniversary
  • Other benefits: Up to $100 Global Entry/TSA PreCheck® credit, unlimited tier qualifying points, $500 fee credits for point transfers, in-flight Wi-Fi credits
  • Southwest Companion Pass: You can earn more than half the required points in your first year

Quick facts

  • Credit needed: 720 - 850
  • Sign-up bonus: Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
  • Earning rate: Earn 4 points per $1 spent on Southwest® purchases. Earn 3 points per $1 spent on Rapid Rewards® hotel and car rental partners. Earn 2 points per $1 spent on local transit and commuting, including rideshare. Earn 2 points per $1 spent on social media and search engine advertising, internet, cable, and phone services. Earn 1 point per $1 spent on all other purchases.
  • Annual fee: $199
  • Annual bonus: 9,000 points each year after your card anniversary
  • Other benefits: Up to $100 Global Entry/TSA PreCheck® credit, unlimited tier qualifying points, $500 fee credits for point transfers, in-flight Wi-Fi credits
  • Southwest Companion Pass: You can earn more than half the required points in your first year

More details

  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
  • 9,000 bonus points after your Cardmember anniversary.
  • Earn 4X points on Southwest® purchases.
  • Earn 3X points on Rapid Rewards® hotel and car 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.
  • Global Entry or TSA PreCheck® Fee Credit.

Rates & fees

  • Intro Purchase APR: N/A
  • Regular Purchase APR: 18.24% - 25.24% Variable
  • Intro BT APR: N/A
  • Regular BT APR: 18.24% - 25.24% Variable
  • Annual Fee: $199
  • Foreign Transaction Fee: $0
  • Balance Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.

Pros

  • Large initial welcome offer Southwest Rapid Rewards points
  • Solid earnings rate for ongoing purchases
  • Global Entry or TSA PreCheck® reimbursement benefit
  • Nearly unlimited free in-flight Wi-Fi when flying Southwest

Cons

  • Annual fee of $199 is higher than many other business cards.
  • Points earned can only be used when flying Southwest Airlines
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Southwest® Rapid Rewards® Performance Business Credit Card review: Great welcome offer and solid benefits for Southwest travelers

The Southwest® Rapid Rewards® Performance Business Credit Card is a solid option for small business owners who regularly fly Southwest Airlines. Although its $199 annual fee is higher than that of other business credit cards, it has a large welcome offer that can also get you close to earning the Southwest Companion Pass.

Coupled with solid benefits like credits for in-flight Wi-Fi and points transfers, a Global Entry or TSA PreCheck® reimbursement and $0 foreign transaction fees, most people will get good value from applying for this card.

Is the Southwest® Rapid Rewards® Performance Business Credit Card worth it?

First Year Savings

$1,222 ?

The Southwest® Rapid Rewards® Performance Business Credit Card is likely worth it for the average business owner. We estimate you'll get around $1,222 in value during the first year. This includes the points earned from regular spending for the average cardholder as well as the sign-up bonus, minus the annual fee.

Additionally, many people will likely get additional value from perks like the TSA PreCheck® credit, 9,000 point anniversary bonus, in-flight Wi-Fi credits and points transfer fee reimbursements.

Earn 80,000 points

One of the biggest sources of value for any credit card is the welcome offer that you can receive from signing up for the card.

Currently with the offer for the Southwest® Rapid Rewards® Performance Business Credit Card you can Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.

This is an outstanding value for a credit card, and compares favorably to the other Southwest Airlines credit card options.

How easy are Rapid Rewards points to redeem? Read more below

money icon

What it's worth: Around $1,120, given our value of 1.4 cents per point for Southwest Rapid Rewards points.

Who's eligible to earn this offer?: You're not eligible for the welcome offer if you are a current cardmember of the Southwest® Rapid Rewards® Performance Business Credit Card, or if you've received a new cardmember bonus for the Southwest® Rapid Rewards® Performance Business Credit Card within the last 24 months.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeImage--root left\" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"money icon\" class=\"ShortcodeImage--image lazyload\" style=\"width: 40px;\" data-src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_40\/v1\/static\/icons\/svg\/money\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_40\/v1\/static\/icons\/svg\/money\" data-srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_40\/v1\/static\/icons\/svg\/money 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_40\/v1\/static\/icons\/svg\/money 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWhat it's worth:\u003C\/strong\u003E Around $1,120, given our value of 1.4 cents per point for Southwest Rapid Rewards points.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWho's eligible to earn this offer?:\u003C\/strong\u003E You're not eligible for the welcome offer if you are a current cardmember of the Southwest\u003Csup\u003E\u00ae\u003C\/sup\u003E Rapid Rewards\u003Csup\u003E\u00ae\u003C\/sup\u003E Performance Business Credit Card, or if you've received a new cardmember bonus for the Southwest\u003Csup\u003E\u00ae\u003C\/sup\u003E Rapid Rewards\u003Csup\u003E\u00ae\u003C\/sup\u003E Performance Business Credit Card within the last 24 months.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Earn 4X points on Southwest purchases

You'll earn a different amount of points for purchases using the Southwest® Rapid Rewards® Performance Business Credit Card, depending on where you use it.

You'll Earn 4 points per $1 spent on Southwest® purchases. Earn 3 points per $1 spent on Rapid Rewards® hotel and car rental partners. Earn 2 points per $1 spent on local transit and commuting, including rideshare. Earn 2 points per $1 spent on social media and search engine advertising, internet, cable, and phone services. Earn 1 point per $1 spent on all other purchases.

As you can see from the chart below, the rewards earned per dollar compares favorably to other co-branded travel cards, while there are flexible points credit cards that earn a higher value of rewards.

Average rewards earned per $1 spent

We estimate an earning rate for the average consumer based on U.S. Bureau of Labor data and multiply that by the value of each card’s points or miles.

What are Southwest® Rapid Rewards® Performance Business Credit Card points worth?

The Southwest® Rapid Rewards® Performance Business Credit Card earns Southwest Rapid Rewards points. We value Rapid Rewards points at around 1.4 cents per point, though you may get more or less value depending on how you redeem your points.

Here's how to calculate the value of Rapid Rewards points:

Dollar value of redemption option (minus any taxes or fees you have to pay)/Number of points needed = Value of points

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Redeeming points

One nice thing about redeeming Rapid Rewards points is that there are no blackout dates. As long as there is a seat available to be purchased with cash, you can use points to redeem an award booking.

Cardholders will find that Southwest Rapid Rewards points are straightforward and fairly simple to redeem.

Southwest Airlines has a fixed award chart where the cost of a flight in points corresponds to the cash cost of the same flight, with award prices varying drastically: from as little as 2,600 points to over 29,000 for a one-way ticket. The lower the cost of the cash fare, the fewer points it will cost to redeem an award booking.

Southwest has three different tiers of ticket — Business Select, Anytime and Wanna Get Away. Most casual travelers will find the best value in the cheapest fare class — Wanna Get Away fares.

Business Select
Anytime
Wanna Get Away
Fully refundable if you cancel your flight
Same-day change
Same-day standby
Priority boarding A1-A15
Fly By (priority security lane)
Complimentary premium drink

What credit score do you need for the Southwest® Rapid Rewards® Performance Business Credit Card?

Like many travel and rewards credit cards, you will need 720 - 850 credit to be approved for the Southwest® Rapid Rewards® Performance Business Credit Card. If your credit is less than that, you may be better off working on improving your credit score and/or applying for a different credit card.

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Other Southwest® Rapid Rewards® Performance Business Credit Card benefits

Aside from its rewards, the Southwest® Rapid Rewards® Performance Business Credit Card offers a plethora of other valuable benefits that can justify its annual fee:

Each anniversary year you can get reimbursed for four upgraded boardings. This will allow you to upgrade to an A1-A15 boarding position on the day of travel. You can use your four upgraded boardings on the same flight or on different flights throughout the year.

You'll get 1,500 Tier Qualifying Points (TQPs) toward Southwest A-List elite status for every $10,000 you spend on the credit card. There is no limit to the amount of TQPs that you can earn through spending, so this can be a great way to help you achieve elite status with Southwest.

If you have the Southwest® Rapid Rewards® Performance Business Credit Card, you will be reimbursed up to $8 for the purchase of Wi-Fi on Southwest Airlines flights. You must purchase the Wi-Fi with your Southwest® Rapid Rewards® Performance Business Credit Card and you'll be reimbursed within one to two billing cycles. You have 365 credits available each year so for most travelers this will essentially serve as unlimited free Wi-Fi on Southwest flights.

You can also get a reimbursement of up to $100 for applying for either Global Entry or TSA PreCheck®. This benefit is applicable once every four years.

Every year on your anniversary, you'll get 9,000 Rapid Rewards points. That can help to offset the cost of paying the $199 annual fee.

Southwest charges $5 for every 500 points you transfer to another member, which makes it not particularly useful in most cases. However with the Southwest® Rapid Rewards® Performance Business Credit Card, you can get a credit for up to $500 in points transfer fees each year. That can make it easier to gift or transfer points to other members.

The Southwest® Rapid Rewards® Performance Business Credit Card has $0 foreign transaction fees. This can make it a great credit card to use when traveling in other countries.

As a Visa Signature card, you'll also be eligible for travel insurance when you use the Southwest® Rapid Rewards® Performance Business Credit Card to purchase travel. This includes:

  • Car rental insurance
  • Lost luggage reimbursement
  • Baggage delay insurance
  • Travel accident insurance

As with most insurance policies, the details of your coverage are important, so make sure to understand what is covered before you travel.

You can add employee cards to your account for no additional charge. You'll earn points for any purchases made by your employees. You as the account holder will also be liable for any charges made with an employee card, so be careful who you give the cards to.

Earning the Southwest Companion Pass

One of the best parts about the Southwest Rapid Rewards program is the Southwest Companion Pass. Earning the Companion Pass allows a companion to travel with you for just the taxes and fees on a ticket. The Companion Pass requires earning 125,000 points in one calendar year.

The sign-up bonus from this Southwest Business credit card along with the sign-up bonus from a personal Southwest credit card, can get you all the points that you need in one year.

How does the Southwest® Rapid Rewards® Performance Business Credit Card compare to other cards?

Here's how the Southwest® Rapid Rewards® Performance Business Credit Card compares to some other similar credit cards:

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Annual Fee
$199
$99
$99
$95
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Southwest® Rapid Rewards® Performance Business Credit Card vs. Southwest® Rapid Rewards® Premier Business Credit Card

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Verdict: A good alternative with a lower annual fee

If you don't think you'll take advantage of the extra benefits on the Southwest® Rapid Rewards® Performance Business Credit Card, the Southwest® Rapid Rewards® Premier Business Credit Card may be the right choice. It comes with a lower initial welcome offer and fewer points for everyday spending, but also has half the annual fee.

While the extra points that you would earn with the Southwest® Rapid Rewards® Performance Business Credit Card easily make up for the higher annual fee (especially its sign-up bonus), the Southwest® Rapid Rewards® Premier Business Credit Card will save you some cash up front. And, if you don't spend heavily on Southwest airfare or business expenses like advertising and internet, you may find the Southwest® Rapid Rewards® Premier Business Credit Card nearly as rewarding.

How does it compare?

  • Annual fee: $99 (Better)
  • Welcome bonus: Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open. (Worse)
  • Rewards earned/$1 spent: Earn 3 points per $1 spent on Southwest® purchases. Earn 2 points per $1 spent on Rapid Rewards® hotel and car partners. Earn 2 points per $1 spent on local transit and commuting, including rideshare. Earn 1 point per $1 spent on all other purchases. (Worse)
  • Other benefits: 6,000 points each anniversary, 25% back on in-flight purchases, $500 fee credit for points transfers, 1,500 TQPs per $10,000 spent, two Early Bird check-ins per year (Worse)

Southwest® Rapid Rewards® Performance Business Credit Card vs. Southwest Rapid Rewards® Premier Credit Card

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Verdict: A good personal card alternative with a lower annual fee

If you're unlikely to use the Southwest® Rapid Rewards® Performance Business Credit Card's benefits and you don't spend heavily on business purchases and Southwest airfare, the Southwest Rapid Rewards® Premier Credit Card may be a good way to go.

Like the Southwest® Rapid Rewards® Premier Business Credit Card, it lacks the extra benefits of the Southwest® Rapid Rewards® Performance Business Credit Card and has a lower sign-up bonus. But it also charges a much lower $99 annual fee and lets you earn Rapid Rewards points at a fair pace.

How does it compare?

  • Annual fee: $99 (Better)
  • Welcome bonus: Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months. (Worse)
  • Rewards earned/$1 spent: Earn 3X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, phone services, and select streaming. (Better)
  • Other benefits: 6,000 points each anniversary, 25% back on in-flight purchases, 1,500 TQPs per $10,000 spent, two Early Bird check-ins per year (Worse)

Southwest® Rapid Rewards® Performance Business Credit Card vs. Chase Ink Business Preferred® Credit Card

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Verdict: More value for a lower annual fee

The Chase Ink Business Preferred® Credit Card is a much more rewarding alternative to the Southwest® Rapid Rewards® Performance Business Credit Card. It earns Chase Ultimate Rewards® points, which are more valuable than Rapid Rewards points, since they can be transferred to a variety of airline programs (including Southwest Rapid Rewards). You can get a more valuable welcome offer with the Ink Business Preferred® Credit Card (if you can meet the higher threshold for initial spending), and transfer all those points to Southwest.

And it comes with an annual fee that is less than half of the annual fee on the Southwest® Rapid Rewards® Performance Business Credit Card.

How does it compare?

  • Annual fee: $95 (Better)
  • Welcome bonus: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. (Better)
  • Rewards earned/$1 spent: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. (Better)
  • Other benefits: 25% bonus when redeeming points through the Chase travel portal, 1:1 points transfer to Chase travel partners, $0 foreign transaction fees (Similar)

Should you apply for the Southwest® Rapid Rewards® Performance Business Credit Card?

If you have a small business and are a regular Southwest Airlines traveler, you'll definitely want to consider applying for the Southwest® Rapid Rewards® Performance Business Credit Card. It does have an annual fee of $199, which is higher than the annual fee on other cards, but it also has an outstanding welcome offer and attractive ongoing benefits.

You'll certainly get enough value the first year to offset the annual fee. Then when your anniversary comes around, you can take a look at the benefits you've used to decide whether it makes sense to keep the card or consider other small business credit cards.

The information related to American Express® Business Gold Card, The Business Platinum Card® from American Express , United℠ Business Card , Delta SkyMiles® Gold Business American Express Card and CitiBusiness®/ AAdvantage® Platinum Select® Mastercard® has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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