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Southwest Rapid Rewards® Performance Business Credit Card review

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Annual Fee
Interest Rate: Purchases
20.24% ‐ 27.24% (Variable)
Interest Rate: Purchases
20.24% ‐ 27.24% (Variable)
Balance Transfer
20.24% ‐ 27.24% (Variable)
Balance Transfer
20.24% ‐ 27.24% (Variable)
1 - 4 points
1 - 4 points
Signup Bonus
80000 points (after spending $5,000)
Signup Bonus
80000 points (after spending $5,000)

Informr score
The Southwest Rapid Rewards® Performance Business Credit Card currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 18 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...


If you are a frequent Southwest traveler, you can use this card to earn points and spending bonuses when you make Southwest purchases. Businesses seeking an option that offers employee cards at no extra cost may consider making the Southwest® Rapid Rewards® Performance Business Credit Card part of t...

- Brett Holzhauer, MoneyGeek

Good things usually come at a cost, and we think the annual fee associated with the Southwest® Rapid Rewards® Performance Business Credit Card can easily be offset with the amount of good that comes with it. Not only is the signup bonus great, but the point earning potential is huge, especially if S...

- Jennifer Doss,
One Mile at a Time
One Mile at a Time

The Southwest Performance Business Card is exceptional, and I’d argue it’s the single best Southwest Airlines credit card. In addition to the huge bonus of 80K points, the card also offers 9,000 anniversary bonus points, 365 Wi-Fi credits per year, four upgraded boardings per year, a $500 credit tow...

- Ben Schlappig, One Mile at a Time

Whether the Southwest Rapid Rewards Performance Business Credit Card is worth the fee depends on how quickly you can earn and redeem points. The annual fee is $199, so to make the card worthwhile, you probably need to be able to earn enough points for at least one free flight a year. For some, the p...

- Miranda Marquit, FinanceBuzz
Upgraded Points
Upgraded Points

If you’re a dedicated Southwest flyer who is looking for a card that will help you reach Southwest elite status, and will get tons of value out of the Wi-Fi credit and Upgraded Boarding certificates, then the card would likely be very worth it for you.

- Jarrod West, Upgraded Points


Interest Rates
Regular APR Interest Rate 20.24% ‐ 27.24% (Variable)
Balance Transfer Interest Rate 20.24% ‐ 27.24% (Variable)
Cash Advance Interest Rate 29.24% (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 $40.00


Sign up bonus 80000 points after spending $5,000

On purchases within the first 3 months.

All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels 3 points per $1 spent
Travel 4 points per $1 spent

On Southwest Airlines® purchases

Pharmacy No
Bills 2 points per $1 spent

On internet, cable, and phone services

Additional Details
  • Earn 2 points per $1 spent on social media and search engine advertising
  • Earn 2 points per $1 spent on local transit and commuting, including rideshare
  • Earn 3 points per $1 spent on car rental partners
  • Get 9,000 points every year on your Cardmember anniversary.
  • 1,500 tier qualifying points towards A-List status for every $10,000 spent
  • $500 fee credit for points transfers per year
Features & Benefits
Additional Card Holders

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

Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
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
  • Free year of DoorDash DashPass
  • Roadside dispatch
  • Lost luggage reimbursement
  • Baggage delay insurance
  • Travel and emergency assistance services
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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