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Chase

Southwest Rapid Rewards® Performance Business Credit Card

80,000 Miles Bonus No Foreign Fees
$99 Annual Fee
19.49%–28.49% Variable Purchase APR
80,000 Welcome Bonus
670+ Recommended FICO
Miles Reward Type
Browse Cards › Chase › Southwest Rapid Rewards® Performance Business Credit Card

Welcome Bonus

80,000 Miles
Welcome Bonus
Spend $5,000 in the first 90 days
Bonus Posted Within 6 to 8 weeks of meeting spend requirement

Rewards

Reward TypeMiles
Base Rate1x / 1%
Bonus RateUp to 4x
Point Value~0.01¢ each
ExpirationPoints never expire
CategoryRateTypeCap
Southwest Purchases 4x Miles No cap
Social Media & Search Engine Advertising 3x Miles No cap
Internet, Cable & Phone Services 3x Miles No cap
All Other Travel Purchases 2x Miles No cap
All Other Purchases 1x Miles No cap

Benefits & Protections

No Foreign Fees
Travel Insurance
Purchase Protection
Extended Warranty
Trip Delay Coverage
Lost Luggage Coverage
Concierge Service
Global Entry $100
TSA PreCheck $85
BenefitCategoryValue / Coverage
Global Entry/TSA PreCheck Credit
Receive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry or TSA PreCheck.
Credits Up to $100 every 4 years
Up to $100
Inflight WiFi Statement Credit
Receive 25% back as a statement credit on inflight WiFi purchases made with your card.
Credits 25% back
Business Digital Tools
Access digital tools like QuickBooks® integration and the Chase Mobile® app for easy account management.
Financial Complimentary
Complimentary Employee Cards
Get employee cards at no additional cost, allowing employees to make purchases and earn rewards.
Financial Complimentary
No Foreign Transaction Fees
Avoid extra charges on purchases made outside the United States.
Financial 0%
Year-End Spending Summary
Receive a detailed summary of your business spending to help with budgeting and tax preparation.
Financial Complimentary
Auto Rental Collision Damage Waiver
Provides secondary coverage in the U.S. and primary coverage abroad for theft and collision damage for most rental cars when the card is used.
Insurance Complimentary (coverage)
Baggage Delay Insurance
Reimburses up to $100 per day for up to 3 days for essential purchases when baggage is delayed by more than 6 hours.
Insurance Up to $100/day for 3 days
Up to $300
Extended Warranty Protection
Extends eligible U.S. manufacturer's warranty by an additional year, on warranties of three years or less.
Insurance Additional 1 year
Lost Luggage Reimbursement
Reimburses up to $3,000 per passenger per trip for checked or carry-on luggage and its contents if lost or damaged by the carrier.
Insurance Up to $3,000 per passenger
Up to $3,000
Purchase Protection
Covers new purchases against theft or damage for 120 days, up to $10,000 per claim and $50,000 per account.
Insurance Up to $10,000 per claim
Up to $10,000
Travel Accident Insurance
Covers accidental death or dismemberment up to $500,000 when common carrier travel is purchased with the card.
Insurance Up to $500,000
Up to $500,000
Trip Cancellation/Interruption Insurance
Reimburses up to $1,500 per person and $6,000 per trip for non-refundable passenger fares if a trip is cancelled or interrupted for covered reasons.
Insurance Up to $1,500 per person / $6,000 per trip
Up to $6,000
Visa Signature Business Concierge
Provides 24/7 personalized assistance for travel planning, dining reservations, event tickets, and more.
Lifestyle Complimentary
Anniversary Bonus Points
Earn 9,000 bonus Rapid Rewards points after your card anniversary each year.
Rewards 9,000 points/year
Base Rewards Rate
Earn 1 point per $1 spent on all other purchases not covered by bonus categories.
Rewards 1x points
Companion Pass Qualification
Rapid Rewards points earned with the card count towards qualifying for the Southwest Companion Pass.
Rewards Complimentary
General Business Purchases Rewards
Earn 2 points per $1 spent on all other business purchases.
Rewards 2x points
Non-Expiring Points
Rapid Rewards points earned with the card do not expire as long as your card account remains open.
Rewards Complimentary
Select Business Category Rewards
Earn 3 points per $1 spent on social media and search engine advertising, and internet, cable, and phone services.
Rewards 3x points
Southwest Purchases Rewards
Earn 4 points per $1 spent on Southwest Airlines purchases.
Rewards 4x points
Tier Qualifying Points Earning
Earn 1,500 Tier Qualifying Points (TQPs) for every $5,000 in purchases, up to a maximum of 15,000 TQPs per calendar year.
Rewards 1,500 TQPs per $5,000 spent
Unlimited Points Earning
There is no limit to the total number of Rapid Rewards points you can earn with the card.
Rewards Unlimited
Account Alerts
Receive alerts for suspicious activity, large purchases, or when payments are due.
Security Complimentary
Zero Liability Protection
You won't be held responsible for unauthorized charges made with your card or account information.
Security Complimentary
Roadside Dispatch
Provides a pay-per-use roadside assistance service for towing, jump-starting, tire changing, and more.
Travel Pay-per-use
Travel and Emergency Assistance
Provides a referral service for medical, legal, and travel emergencies when you're away from home.
Travel Complimentary (referral service)
Upgraded Boardings
Receive up to 4 Upgraded Boardings per year when available, for you and your employees.
Travel Up to 4 per year

Interest Rates

Purchase APR19.49%–28.49% Variable
Balance Transfer APR28.49%
Cash Advance APR29.99%
Min. Interest Charge$1

Fees

Annual Fee $99
Authorized User FeeFree
Foreign Transaction FeeNone
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater.
Late Payment FeeUp to $40
Returned Payment FeeUp to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyDifficult
Credit ProfileGood
Approval OddsVery Good
Decision Time1-3 days
Pre-QualificationNot available
Student EligibleNo
Co-ApplicantNot allowed
Business EligibleYes

Issuer Rules & Restrictions

Maximum Cards per Issuer
You can hold up to 5 cards from this issuer simultaneously.
Shutdown Risk Triggers
Manufactured spending, excessive cash advances, too many applications in short period, high credit utilization across all cards
Cliff Effect Rules
You cannot hold more than one Southwest Rapid Rewards Business Credit Card at a time. Earning a welcome bonus on any Southwest Rapid Rewards Business Credit Card makes you ineligible for another bonus on any Southwest Rapid Rewards Business Credit Card for 24 months.
International Friendly
This card works well for international travel and transactions.
Additional Issuer Rules
Chase's 5/24 rule applies, requiring applicants to have opened fewer than 5 personal credit accounts in the last 24 months to be approved for this business card. You are ineligible for the welcome bonus if you are a current cardmember of any Southwest Rapid Rewards Business Credit Card, or if you received a new cardmember bonus for any Southwest Rapid Rewards Business Credit Card in the past 24 months.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
Hardship Program
Hardship program available.
Chase
$99
Annual Fee
Apply Now
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Welcome Bonus 80,000 Miles
APR 19.49%–28.49% Variable
Quick Summary
Annual Fee $99
RewardsMiles
Welcome Bonus80,000 Miles
Foreign FeesNone
Min. FICO670+
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