Southwest Rapid Rewards® Premier Business Credit Card
A $149-annual-fee miles business card from JPMorgan Chase Bank, National Association, with a $600 signup bonus.
JPMorgan Chase Bank, National Association · VISA
- Annual fee
- $149
- Purchase APR
- 19.24–27.74%variable
- Signup bonus
- $600
- Foreign transaction
- None
Earn Rules
| Gas | 2.00% |
| Dining | 2.00% |
| All Other | 1.00% |
Temporary earning
Limited-time promos or rotating categories. Excluded from Net Annual Value because these expire.
| Travel | 3.00%intro |
| Travel | 2.00%intro |
| Travel | 2.00%intro |
Rates with strings attached
These apply only at a specific brand, or need something beyond how you spend, like a balance held with the issuer or a status tier. They are real, but we do not count them in the value above, which uses the rates any cardholder earns on ordinary spending.
| directly with Southwest Airlines® | 3.00% |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| 6,000 anniversary points each yearyearSource ↗ | $60/yr |
| Total credits / year we count | $60 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
Signup Bonus
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening.
Value: $600 · Spend $3,000 in 3 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who reliably pay their balance in full each month. The 27.74% APR would wipe out the card's other benefits within a single billing cycle of revolving.
- People whose flights are mostly with JPMorgan Chase Bank, National Association. The 3.00% is where this card beats a general-purpose one, and it only applies to that spending.
- Small-business owners or freelancers with a distinct expense pool. Separating business spending from personal helps at tax time regardless of the rewards math.
Wondering if this card pays off for your situation? Is the Southwest Rapid Rewards® Premier Business Credit Card worth it? →
Cards in the Same Fee Tier That Score Higher
A similar annual fee, ranked higher at the default profile.
- Ink Business Premier® Credit Card$686 (+$450)