Southwest® Rapid Rewards® Performance Business Credit Card
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The card_name is a business travel card, designed for people who frequently fly Southwest Airlines. It has a solid welcome bonus, plus you get free in-flight WiFi and upgraded boarding status. You also get 9,000 anniversary points and a boost of 10,000 Companion Pass® qualifying points every year. We dive into the details and your approval odds in this Southwest® Rapid Rewards® Performance Business Credit Card review.
Our Rating
4.5/5.0
Welcome Offer
Earn 80,000 points
Annual Fee
$199
0% on Purchases
N/A
Reward Rate
1X to 4X points
0% on Balance Transfers
N/A
Editorial Review
How Does the SW Performance Business Compare?
The Southwest® Rapid Rewards® Performance Business Credit Card compares favorably to typical small business/travel credit cards. You’ll earn a welcome bonus which puts you well on your way to earning the 135,000 points needed to earn a companion pass. This allows someone to fly with you almost for free (taxes and fees apply). If you enjoy flying Southwest, this is a great card to have in your wallet.
Who is the SW Performance Business best for?
As you might glean from the name, Southwest® Rapid Rewards® Performance Business Credit Card is a great card for small business owners who frequently fly Southwest airlines.
Who would do better with a different card?
If you prefer to fly Delta, consider the Delta SkyMiles® Gold Business American Express Card. They offer a similar intro offer and similar rewards, and the annual fee is lower at $0 introductory annual fee for the first year, then $150.
If you want a card with no annual fee but still offers good rewards, the Ink Business Cash® Credit Card might be your card. It offers a bonus and up to 5% cash back rewards.
Those who want an all-around travel card, for business or otherwise, should consider the Ink Business Preferred® Credit Card. The annual fee is only $95 and you get 5X points on travel purchased through Chase, plus 3X on dining and 2X on travel not purchased through Chase. You also get an intro offer for signing up.
Welcome Offer
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Free Checked Bags, Luggage Protection, Roadside Assistance, Travel Accident Insurance, TSA PreCheck & Global Entry credit |
Rewards
Interest Rates & Fees
| Annual Fee | $199 |
| Foreign Transaction Fee | $0 |
| Regular APR | 21.49% - 28.49% (V) APR |
What Credit Score Is Required to Get the Southwest® Rapid Rewards® Performance Business Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 779
Average Approved Credit Score: 826
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 01/02/2024 | Experian | ||
| Approved | 01/02/2024 | Equifax | ||
| Approved | 01/02/2024 | TransUnion |
Pros & Cons
- Welcome offer
- No foreign transaction fee
- Up to 4X Points
- Annual fee
- Requires good credit
What Are the Best Alternatives?
Delta SkyMiles® Gold Business American Express Card
Rating
4.6
Rewards Range
1x - 2x miles
Annual Fee
$0 introductory annual fee for the first year, then $150
Ink Business Preferred® Credit Card
Rating
4.7
Rewards Range
1-3x points
Annual Fee
$95
Ink Business Cash® Credit Card
Rating
4.8
Rewards Range
1%-5%
Annual Fee
$0