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card_name from Chase is great for business owners who are Southwest Airlines frequent flyers and prefer a card with a low annual fee. It comes with premium rewards on Southwest® purchases, which you can redeem for reward flights with no blackout dates. You’ll also enjoy travel perks like $0 foreign transaction fees and savings on inflight purchases. Note that it doesn’t offer a 0% introductory Annual Percentage Rate (APR).
If you wish to compare one credit card over another, choose a maximum of three cards on this page and click Add to Compare to view the details in a side-by-side comparison.
card_name
BEST FOR:
Those who fly Southwest Airlines frequently
Intro APR
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Regular APR
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Annual Fee
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Credit Needed
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- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- 6,000 bonus points after your Cardmember anniversary.
- Earn 3X points on Southwest Airlines® purchases.
- Earn 2X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- 2 EarlyBird Check-In® each year.
- Member FDIC
Pros
- Offers the best rewards for Southwest purchases as compared to other Southwest cards
- Does not charge foreign transaction fees
- Welcome offer
Cons
- Charge high annual fees
- No 0% introductory period on purchases and balance transfers
- Baggage delay insurance: Get covered if your checked luggage is delayed or misdirected by a carrier for more than six hours. You and your immediate family members will be eligible for a $100-per-day benefit for up to three days.
- Purchase protection: Get covered against damage or theft for new purchases for 120 days—coverage is up to $10,000 per claim and $50,000 per account.
- Extended warranty protection: Extends warranty to up to one additional year on warranties of three years or less.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- 6,000 bonus points after your Cardmember anniversary.
- Earn 3X points on Southwest Airlines® purchases.
- Earn 2X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- 1 point per $1 spent on all other purchases.
- 2 EarlyBird Check-In® each year.
- Member FDIC
Pros
- Offers the best rewards for Southwest purchases as compared to other Southwest cards
- Does not charge foreign transaction fees
- Welcome offer
Cons
- Charge high annual fees
- No 0% introductory period on purchases and balance transfers
- Baggage delay insurance: Get covered if your checked luggage is delayed or misdirected by a carrier for more than six hours. You and your immediate family members will be eligible for a $100-per-day benefit for up to three days.
- Purchase protection: Get covered against damage or theft for new purchases for 120 days—coverage is up to $10,000 per claim and $50,000 per account.
- Extended warranty protection: Extends warranty to up to one additional year on warranties of three years or less.
When evaluating travel rewards business credit cards like the card_name, we first consider the ongoing rewards, introductory rewards, and additional features. We then look into the annual fee and the introductory and ongoing APRs.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 15 | 25 |
Introductory Rewards | 25 | 25 |
Additional Features | 20 | 20 |
Annual Fee | 7 | 10 |
Introductory APR | 0 | 10 |
Ongoing APR | 5 | 10 |
Total Score | 72 | 100 |
Who the card_name Is Best For
- Those who fly with Southwest Airlines frequently: It offers premium rewards on purchases made directly with Southwest Airlines, and rewards can be redeemed for free flights.
- Those who want a Southwest Airlines co-branded card with a low annual fee: The card charges an annual fee of only $99, making it a great option for Southwest loyalists wanting to save on credit costs.
If this card isn’t what you’re looking for, check out our recommended alternatives below.
card_name Rewards
- bonus_miles_full
- 3x points per dollar spent directly on Southwest Airlines® purchases (including flight, inflight, Southwest gift cards, and Southwest Vacations® package purchases)
- 2x points per dollar spent on Rapid Rewards® hotel and car rental partners as well as on local transit and commuting, including rideshare services
- 1x points per dollar spent on all other purchases
- 6,000 bonus points every year on your membership anniversary
- 1,500 tier qualifying points (TQPs) toward A-List status after spending $5,000 in purchases annually
- 25% back on inflight purchases
- Two EarlyBird Check-In® every year when you fly with Southwest Airlines
- Boost of 10,000 Companion Pass® qualifying points every year
card_name Rewards Calculator
Determine how much you can earn from your card_name using our rewards calculator below. Simply input your estimated monthly expenses based on the given spending categories, and our calculator will do the rest.
Note that the value of each Southwest Rapid Rewards point may vary depending on how rewards are redeemed. For this calculator, we calculated the rewards based on the value of 1.5 cents per point.
How to Redeem card_name Rewards
You can redeem your points for an available seat on any Southwest Airlines flight. The number of points needed for a flight depends on the fare and will vary based on your destination, travel dates, demand, and fare type. You’ll be responsible for paying all taxes and fees levied by the government on plane tickets.
You can also use your points for hotel stays and car rentals, Rapid Rewards Access Events, gift cards, merchandise, and international flights. To redeem your points, either go to southwest.com or call Southwest Airlines at (800) I-FLY-SWA.
card_name Features
Travel
- Bags Fly Free®: Check your first and second bags in for free; note that weight and size limits apply.
- Southwest® EarlyBird Check-In®: Receive access to two EarlyBird Check-In® per year so you can enjoy a better boarding position and earlier access to overhead bins.
- Savings on inflight purchases: Get 25% back as a statement credit on Southwest Airlines inflight purchases for drinks and Wi-Fi.
Travel & Purchase Coverage
- Baggage delay insurance: Get reimbursed for essential purchases like toiletries and clothing for baggage delays over six hours—up to $100 a day for three days.
- Lost luggage reimbursement: Get covered for lost or damaged checked or carry-on luggage while traveling with a covered carrier—up to $3,000 per passenger.
- Purchase protection: Get purchases covered for 120 days against damage or theft of up to a maximum of $10,000 per claim and $50,000 per account.
- Extended warranty protection: Receive a warranty extension of one additional year for items with the original manufacturer’s warranty of three years or less.
Partner Benefits
- Complimentary DashPass Note that you'll need to active DashPass by January 31, 2025. : Receive a one-year complimentary DashPass, a membership for both DoorDash and Caviar, which provides unlimited deliveries with $0 delivery fees and lower service fees on selected orders. DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders.
Other Benefits
- $500 fee statement credit: Receive this as reimbursement for fees associated with using your card to transfer points to another Rapid Rewards® member or a preselected charity chosen by Southwest with an active Rapid Rewards® account.
- Employee cards: Create employee cards, set individual spending limits, and earn rewards faster at no additional cost
- Chase Pay Over TimeSM: Divide eligible purchases of $100 or more into manageable payments with no interest—just a fixed monthly fee with plan durations ranging from 3-24 months
card_name Fees
APR
- Introductory: intro_apr_rate,intro_apr_duration
- Ongoing: intro_apr_rate,intro_apr_duration
- Balance transfer: balance_transfer_rate
- My Chase LoanSM: 20.99% to 27.99% variable, which adjusts with the prime rate
- Cash advance: cash_advance_apr
- Penalty: Up to 29.99% variable, which adjusts with the prime rate, and will be applied to your account when:
- You don’t make a minimum payment by the date and time that it’s due; and/or
- Your payment was returned
Fees
- Annual: annual_fees
- My Chase PlanSM Fee (fixed finance charge): Monthly fee of 1.72% of the amount of each eligible purchase or amount selected to create a My Chase Plan
- Balance transfer: balance_transfer_fees
- Foreign transaction: foreign_transaction_fee
- Cash advance: cash_advance_fee
- Late and returned payments: late_payment_fee
- Over-the-limit: over_limit_fee
- Return check: $0
Your due date is at least 20 days after the close of each billing cycle.
- Online or mobile app: Log in to your account, then select “Pay card.” Follow the prompts.
- Phone: Call the automated phone service at 800-436-7958.
- Mail or money order: Include your name and full account number on your check or money order—don’t send cash. Mail your payment to the following address:
Cardmember Services
PO Box 6294
Carol Stream, IL 60197-6294
- In-person: Go to the nearest Chase ATM or branch during normal business hours.
card_name Alternatives
American Express Business Platinum Card®
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
N/A
Regular APR
18.74% - 27.74% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Intro APR
N/A
Regular APR
18.74% - 27.74% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Consider the American Express Business Platinum Card® if you are willing to pay a high annual fee to secure access to luxury travel perks, generous rewards, and exclusive benefits. Aside from earning up to 5x Membership Rewards® points on selected spending categories, you can also take advantage of over $1,000 in special discounts on notable business tools.
card_name
card_name
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
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Annual Fee
annual_fees
Credit Needed
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- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
The card_name is great if you are looking for an alternative card from the same issuer that offers points rewards beyond travel. Your earned points can be transferred to participating travel programs at full 1:1 value, making it great if you wish to travel other than Southwest Airlines.
card_name
card_name
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
If you want to earn fixed-rate miles rewards on all purchases instead, then we suggest the card_name. You can earn up to 5x miles on selected spending categories, which you can redeem for travel purchases, gift cards, cash back, event tickets, and PayPal or Amazon Shopping.
Frequently Asked Questions (FAQs)
Companion Pass® is an exclusive benefit offered by card_name. It lets you choose one person to fly with, free of airline charges, every time you purchase or redeem points for a flight. However, you may need to pay taxes and fees starting at $5.60 one-way. All points earned with your Rapid Rewards Credit Card count toward Companion Pass.
To become an A-List member, you must meet certain tier qualifying points (TQPs) requirements. You will earn 1,500 TQPs toward A-List status for every $5,000 spent on purchases annually. What’s more, there is no limit to the amount of TQPs you can earn per year.
As an A-List member, you’ll enjoy priority boarding, priority check-in and security lane access, standby priority, 25% more Rapid Rewards points earned on each flight, and a dedicated A-List member phone line.
Bottom Line
card_nameis best for business owners who travel with Southwest Airlines frequently and want to enjoy travel perks. It comes with a low annual fee, and you can earn rewards that can be redeemed for free flights and more. It’s important to note that it doesn’t offer a 0% introductory APR period on purchases and balance transfers.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
