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



Bankrate rating
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.
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Rewards rate

1X - 3X

Annual fee


Intro offer

60,000 points

Regular APR

20.49% - 27.49% Variable

Recommended Credit Score

Excellent (740 – 850)

Southwest® Rapid Rewards® Premier Business Credit Card Overview

The Southwest® Rapid Rewards® Premier Business Credit Card offers loyal business travelers who fly with Southwest Airlines a way to enjoy additional travel benefits. You can earn 3X points on purchases with the airline, 2X points on 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 Southwest Airlines flights, which have no restrictions, change fees or blackout dates.

What are the pros and cons?


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    Solid welcome offer and an enticing 6,000-point bonus on your account anniversary each year

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    No foreign transaction fees

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    Earn points faster by adding free employee cards and using the Tier Qualifying Points offer to qualify for elite status faster

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    Decent travel and purchase protections


  • A moderate $99 annual fee

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

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