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Southwest® Rapid Rewards® Premier Business Credit Card review: A decent pick for small-business owners flying Southwest

Snapshot

4.7

Bankrate rating
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Rating: 4.7 stars out of 5

Bottom line

There are a lot of benefits to the Southwest Rapid Rewards Premier Business Card, including a generous sign-up bonus, valuable anniversary points and the opportunity to qualify for Elite Status; however, if you want higher-tier rewards or don’t want to limit yourself to Southwest rewards, the Southwest Rapid Rewards Performance Business Card or a general business travel rewards card may be a better choice.

Southwest® Rapid Rewards® Premier Business Credit Card

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  • Rewards value
    Rating: 5 stars out of 5
    5 / 5
    APR
    Rating: 4 stars out of 5
    4 / 5
    Rewards flexibility
    Rating: 4 stars out of 5
    4 / 5
    Features
    Rating: 4 stars out of 5
    4 / 5
Excellent (740 – 850)
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Recommended Credit

Intro offer

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$900

Offer valuation

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1X - 3X

Rewards Rate

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Annual fee

Regular APR

Southwest® Rapid Rewards® Premier Business Credit Card Overview

The Southwest® Rapid Rewards® Premier Business Credit Card offers business travelers who fly with Southwest Airlines a way to enjoy additional benefits. You can earn 3X points on purchases with the airline, 2X points on transit (including rideshares) and Southwest’s Rapid Rewards® hotel and car rental partners along with 1X points on all other purchases. You can redeem your points for rewards like Southwest Airlines flights, which have no restrictions, change fees or blackout dates.

What are the pros and cons?

Pros

  • Checkmark

    Carries a solid welcome offer and 6,000 bonus points each year on your account anniversary.

  • Checkmark

    Doesn’t charge foreign transaction fees, unlike the base personal Southwest card.

  • Checkmark

    Earn points faster by adding free employee cards and using the Tier Qualifying Points offer to expedite your path to elite status.

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    Decent travel and purchase protections

Cons

  • Poses a moderate $99 annual fee, although it can be recouped with the anniversary bonus and two EarlyBird Check-In® boardings each year.

  • Rapid Rewards points will largely limit you to booking Southwest flights.

  • The only bonus category outside Southwest and its partners is for commuting expenses like rideshares, which may limit your rewards potential.

Frequently Asked Questions