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card_name―owned by Chase―is designed for business owners who fly Southwest Airlines frequently. It offers exclusive travel perks, such as in-flight Wi-Fi credits, Global Entry or TSA PreCheck® fee credit, and up to four upgraded boardings per year. It has a $199 annual fee and doesn’t charge foreign transaction fees.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to Compare to view the details in a side-by-side comparison.
Southwest® Rapid Rewards® Performance Business Credit Card
BEST FOR:
Those who fly Southwest Airlines frequently
Intro APR
N/A
Regular APR
21.49% - 28.49% Variable
Annual Fee
$199
Credit Needed
Good - Excellent
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
Pros
- Offers the best rewards for Southwest purchases as compared to other Southwest cards
- Doesn’t charge foreign transaction fees
- Welcome offer
Cons
- Charge high annual fees
- No interest-free financing period on purchases and balance transfers
- Baggage daily insurance: You’re covered with baggage daily insurance if your checked luggage is delayed or misdirected by a carrier for more than six hours.
- Auto rental collision damage waiver: You can decline the rental company’s collision insurance and charge the entire rental cost to your card.
- Lost baggage reimbursement: If you or a family member have checked or carry-on luggage that’s lost or damaged by the carrier, you’re covered up to $3,000 per passenger.
- Employee cards: Earn more points on your employee spending by issuing additional cards at no additional cost.
Intro APR
N/A
Regular APR
21.49% - 28.49% Variable
Annual Fee
$199
Credit Needed
Good - Excellent
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
Pros
- Offers the best rewards for Southwest purchases as compared to other Southwest cards
- Doesn’t charge foreign transaction fees
- Welcome offer
Cons
- Charge high annual fees
- No interest-free financing period on purchases and balance transfers
- Baggage daily insurance: You’re covered with baggage daily insurance if your checked luggage is delayed or misdirected by a carrier for more than six hours.
- Auto rental collision damage waiver: You can decline the rental company’s collision insurance and charge the entire rental cost to your card.
- Lost baggage reimbursement: If you or a family member have checked or carry-on luggage that’s lost or damaged by the carrier, you’re covered up to $3,000 per passenger.
- Employee cards: Earn more points on your employee spending by issuing additional cards at no additional cost.
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When evaluating travel rewards business credit cards like the Southwest Rapid Rewards® Performance Business Credit Card, we first consider ongoing rewards, introductory rewards, and additional features. We also take into account the annual fee, introductory no-interest financing period, and ongoing annual percentage rates (APRs).
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 20 | 25 |
Introductory Rewards | 25 | 25 |
Additional Features | 23 | 25 |
Annual Fee | 7 | 15 |
Introductory APR | 0 | 5 |
Ongoing APR | 0 | 5 |
Total Score | 75 | 100 |
Who the card_name Is Best For
- Those who fly Southwest Airlines frequently: You’ll earn four points per dollar spent on purchases made directly with Southwest Airlines. You can redeem these points for free flights.
- Those who travel from time to time: Aside from free flights, the Southwest Rapid Rewards® Performance Business Credit Card allows you to redeem your rewards for hotel stays and car rentals from around the country.
Check out our recommended alternatives below if this card doesn’t fit the bill.
card_name Rewards
Points Rewards
- 80,000 points after spending $5,000 on purchases within the first three months of opening an account.
- 4x points for every dollar spent directly on Southwest Airlines®, including flights, in-flight purchases, Southwest gift cards, and Southwest Vacations package purchases
- 3x points per dollar spent with Rapid Rewards hotel and car rental partners
- 2x points for every dollar spent on social media and search engine advertising, internet, cable, and phone services, and on local transit and commuting, including rideshare services
- 1x point on all other purchases
- 9,000 bonus points on each account anniversary
Additional Rewards
- Four upgraded boardings per year when available
- Up to 365 Inflight Wi-Fi credits per year
- 1,500 tier qualifying points for every $10,000 spent, which can be used to apply for Rapid Rewards A-List or A-List Preferred status
- $500 fee credit for points transfers per year
- Up to $100 in statement credit every four years as reimbursement for the application fee for Global Entry, TSA PreCheck®, or NEXUS
- Up to 100,000 bonus points per year for every referral who gets any Southwest Rapid Rewards Credit Card when using the link
card_name Calculator
Find out how much you can earn from the card_name based on your estimated monthly expenses. Our rewards calculator will compute your potential rewards—just enter your expected monthly spending, and our calculator will do the rest.
Note that each Southwest Rapid Rewards point is valued at 1.5 cents.
How to Redeem card_name Rewards
You can redeem your earned Southwest Rapid Rewards® Performance Business Credit Card rewards for the following:
- Southwest Airlines flights to over 90 destinations
- Hotel stays and car rentals through the More Rewards platform
- Rapid Rewards Access Events that are curated for cardmembers
- Gift cards from your favorite retailers for a minimum of 3,000 points
- Merchandise such as electronics, gift supplies, and travel accessories
- International flights on over 50 global carriers by using your Rapid Rewards points
card_name Features
- 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: Extend warranty to up to one additional year on warranties of three years or less.
- Lost baggage reimbursement: Get covered up to $3,000 per passenger if you or a family member have checked or carry-on luggage that’s lost or damaged by the carrier.
- Employee cards: Earn more points on your employee spending by issuing additional cards at no additional cost.
card_name Fees
APR
- Introductory: intro_apr_rate,intro_apr_duration
- Ongoing, My Chase LoanSM, and balance transfer: reg_apr,reg_apr_type
- Cash advance: cash_advance_apr
- Default: Up to 29.99% variable—adjusts with the prime rate; will be applied indefinitely to your account if at least one condition is met:
- You failed to make a minimum payment by the date and time it’s due.
- You made a returned payment.
Fees
- Annual: annual_fees
- My Chase PlanSM: Monthly fee of 1.72% of either the amount of each eligible transaction or the amount selected to create a My Chase Plan
- Balance transfer: balance_transfer_fees
- Cash advance: cash_advance_fee
- Foreign transaction: foreign_transaction_fee
- Late and return payment: late_payment_fee
- Return check: None
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
card_name
card_name
BEST FOR:
Maximizing travel rewards at a lower annual fee
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
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
If you are looking for an alternative travel business credit card from Chase, then we recommend card_name. It carries a low annual fee of annual_fees and lets you redeem your earned points rewards through the Chase Ultimate Rewards program.
Bank of America Business Advantage Travel Rewards World Mastercard®
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Consider this card if you have large purchases and need a 0% introductory period. It is also viable if you have an active Bank of America checking account (read our Bank of America business checking review), as you can earn up to an additional 75% more points through the Preferred Rewards for Business program.
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Intro APR
N/A
Regular APR
18.99% - 25.99% Variable
Annual Fee
$0 intro annual fee for the first year, $95 thereafter.
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
Intro APR
N/A
Regular APR
18.99% - 25.99% Variable
Annual Fee
$0 intro annual fee for the first year, $95 thereafter.
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
This card is a great option if you wish to take advantage of generous rewards and travel perks, including complimentary access to over 1,300 VIP airport lounges worldwide. It has a low annual fee of $95 (waived for the first year), lets you earn up to 5x points on selected spending categories, and divides eligible purchases into equal monthly payments through the U.S. Bank’s ExtendPay® Plan.
Frequently Asked Questions (FAQs)
Yes, it is. Simply call the number on the back of your card to learn more about requesting a credit limit increase for your card_name.
Yes, you can set up automatic payments to pay for your card_name. Simply log in to your account, then follow the prompts to activate it.
It will take Chase about 7-10 days to approve your application for the card_name. To know the status of your application, you can call Chase at (800) 935-9935.
Bottom Line
card_name is best for business owners who fly with Southwest Airlines frequently and want to enjoy premium travel benefits. It offers numerous points rewards and travel protection despite its high annual cost of $199. Take note, however, that reward redemption value is poor outside of Southwest flights.
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