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Southwest® Rapid Rewards® Premier Business Credit Card

Earns Rapid Rewards

Welcome Offer

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How to Earn Rewards

3x Points on Southwest Airlines® purchases

2x Points at gas stations and restaurants on the first $8,000 in combined purchases per anniversary year, then 1x (capped — distinct from Performance Business's uncapped 2x)

1x Points on all other purchases

Key Benefits

Tap any benefit to see details.

6,000 Bonus Points on Each Cardholder Anniversary

Receive 6,000 Rapid Rewards bonus points each cardmember anniversary year. Worth approximately $84. Lower than Performance Business's 9,000 — pair this with a personal card for the bigger anniversary stack.

10,000 Companion Pass Qualifying Points Boost (Annual)

Earn one boost of 10,000 Companion Pass qualifying points each calendar year. Deposited by January 31st each calendar year. Major Companion Pass accelerator (CP requires 135,000 qualifying points per current rules). Pair with a personal SW card's CP boost to accelerate further.

2,000 Tier Qualifying Points Per $5,000 Spent (Annual)

Earn 2,000 Tier Qualifying Points (TQPs) toward A-List status for every $5,000 spent in purchases annually. Slightly slower A-List acceleration than Performance Business (which earns 2,500 TQPs per $5K).

Standard or Preferred Seat Selection 48hr Before Departure

Select a Standard or Preferred seat within 48 hours prior to departure, when available, for cardholder + up to 8 passengers on same reservation. (For flights operating in 2026 and beyond with Southwest's assigned seating.)

2 EarlyBird Check-In® Credits Per Year (Status Uncertain)

2 EarlyBird Check-In credits each anniversary year, valued at $15-25 per one-way ($30-50 total). Note: one source reported these were ending December 31 for Premier Business, while other sources still list it as an active benefit, so status needs verification.

15% Flight Discount Promo Code (Annual)

Receive a 15% promo code each cardmember anniversary year (excludes Basic fare, Southwest's lowest-priced fare option). Higher discount than personal Plus's 10% — distinct Premier Business benefit.

First Checked Bag Free for Cardholder + 8 Passengers

First checked bag free for cardmember and up to 8 additional passengers in the same reservation. Per Southwest's April 9, 2026 fee update, first bag is now $45 (was $35) — making this benefit more valuable. (Southwest ended its long-standing free-bags-for-all policy on May 28, 2025.)

Group 5 Boarding for Cardholder + 8 Passengers

Cardmembers and up to 8 additional passengers traveling on the same reservation board with Group 5 (or earlier if they qualify based on tier status, fare type, or seat type/location).

25% Back on Southwest Inflight Purchases (Drinks & WiFi)

Earn 25% back as statement credits on Southwest inflight purchases of drinks and WiFi.

Free Employee Cards

Add unlimited employee cards at no extra cost — earn rewards on their business spending.

No Foreign Transaction Fees

No foreign transaction fees on international purchases.

Extended Warranty + Purchase Protection + Travel Coverage

Extended warranty: +1 year on eligible warranties (3 years or less). Purchase protection: 120 days, up to $10K/claim or $50K total per account. Lost luggage: up to $3,000 per passenger. Baggage delay: $100/day for 3 days (delays over 6 hours). Travel accident insurance: up to $500,000. Auto rental CDW (secondary).

Doesn't Report to Personal Credit (5/24 Friendly)

As a Chase business card, this does NOT automatically report to your personal credit report — does NOT count toward Chase's 5/24 rule once approved (though it counts when you APPLY).

Katie's Take

Why this card might (or might not) be right for you.

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This card is the lower annual fee business card from Southwest. The offer is also typically lower than on the Southwest® Rapid Rewards® Performance Business Credit Card. Compare the Southwest cards in Katie's detailed card guide. It's the one I'd pick — and pair with one of the personal cards to get a Companion Pass if the math works out. For best seating benefits, pair this with a Southwest Rapid Rewards® Priority Credit Card.

Overall, you'll always need to pay attention to your timing when applying if you're trying to maximize the Companion Pass.

Benefits Calculator

What's the Southwest® Rapid Rewards® Premier Business Credit Card worth to you? Get a personalized estimate.

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Southwest® Rapid Rewards® Premier Business Credit Card Benefits Calculator

Enter your personal estimated annual value for each benefit to see a customized calculation of the card's worth.

6,000 Bonus Points on Each Cardholder Anniversary Receive 6,000 Rapid Rewards bonus points each cardmember anniversary year. Worth approximately $84. Lower than Performance Business's 9,000 — pair this with a personal card for the bigger anniversary stack.

2 EarlyBird Check-In® Credits Per Year (Status Uncertain) 2 EarlyBird Check-In credits each anniversary year, valued at $15-25 per one-way ($30-50 total). Note: one source reported these were ending December 31 for Premier Business, while other sources still list it as an active benefit, so status needs verification.

First Checked Bag Free for Cardholder + 8 Passengers First checked bag free for cardmember and up to 8 additional passengers in the same reservation. Per Southwest's April 9, 2026 fee update, first bag is now $45 (was $35) — making this benefit more valuable. (Southwest ended its long-standing free-bags-for-all policy on May 28, 2025.) (per-use benefit — value depends on how often you'll use it)

Your Total Annual Value

Annual Fee: annual_fees

Your Net Value / Cost

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer	Spend Req.	Date
60,000 Bonus PointsCurrent	$3,000 in 3 months	Standard (current as of May 1, 2026)
120,000 Bonus Points (60K + 60K tier)Elevated	$3,000 + additional $12,000 in 3 months	Elevated; ran in Summer 2023
120,000 Bonus Points (60K + 60K tier)Elevated	$3,000 + additional $15,000 in 3 months	Best-ever; ran in Summer 2024

Benefit Activation Checklist

Step-by-step guide to activate and maximize every benefit on this card.