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Southwest Rapid Rewards® Performance Business Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
15.99% ‐ 22.99% (Variable)
Balance Transfer
15.99% ‐ 22.99% (Variable)
1 - 3 points
Signup Bonus
70000 points (after spending $5,000)

Informr score
The Southwest Rapid Rewards® Performance Business Credit Card currently has an Informr score of 7.9 out of 10. This score is based on our evaluation of 10 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Southwest Rapid Rewards® Performance Business Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

One Mile at a Time

The Southwest Performance Business Card is exceptional. I would say it’s the single best Southwest Airlines credit card. At the moment the card even has its best ever bonus of 100,000 bonus Rapid Rewards points. While the spending requirement is big, completing the required spending would earn you C...

- Ben, One Mile at a Time

The Southwest Rapid Rewards Performance Business is a great option if you don't want to commit to the higher annual fee for a luxury travel card, but still want more rewards and benefits than a standard business travel card offers.If you travel regularly with Southwest, you shouldn't find it difficu...

- Rebecca Lake, Investopedia
Business Insider

Southwest is a competitively priced airline with a cult following. Thanks to the friendly staff, free checked bags, open seating, and generally good customer experience, many loyal travelers won't fly on any other airline. There are no blackout dates. You can use rewards to the maximum value on any...

- Eric Rosenberg, Business Insider

The is most likely to appeal to business travelers who fly Southwest regularly and want to earn solid rewards. This card is also a good choice if you're angling to earn the Companion Pass. However, keep in mind:  You might think twice about this card if you travel internationally more than domestica...

- Rebecca Lake, MyBankTracker

For the most part, those who will get the most from this business credit card designed for travel are those who already use Southwest Airlines. Additionally, business owners who advertise online and regularly pay for telecommunications expenses can benefit from this card. On the other hand, if you d...

- Miranda Marquit, FinanceBuzz


Interest Rates
Regular APR Interest Rate 15.99% ‐ 22.99% (Variable)
Balance Transfer Interest Rate 15.99% ‐ 22.99% (Variable)
Cash Advance Interest Rate 24.99% (Variable)
Rates & Fees
Annual Fee $199.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $15

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00


Sign up bonus 70000 points after spending $5,000
  • On purchases within the first 3 months.
  • Plus, an additional 30,000 points after you spend $25,000 total on purchases within the first 6 months of account opening.
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel 3 points per $1 spent

On Southwest Airlines® purchases

Pharmacy No
Bills No
Additional Details
  • Earn 2 points per $1 spent on social media and search engine advertising, Internet, cable, and phone services.
  • Get 9,000 points every year on your Cardmember anniversary.
Features & Benefits
Additional Card Holders Yes

Employee cards at no additional cost and earn points on employee spending

Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Four Upgraded Boardings per year when available
  • Inflight WiFi Credits
  • Global Entry or TSA Pre✓® Fee credit in the form of a statement credit of up to $100 every four years.
  • Earn tier qualifying points towards A-List status
  • Bags fly free
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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