Southwest Performance Business
Chase
Southwest Performance Business
Offer Strength
Great offer$130 above typical value
Show breakdown
Estimated bonus value: ~$1,040
Base score: 46
Airline boost: +15
Ongoing airline value (conservative, ~2 trips/yr): ~$102
• 1 free checked bag
Current $1,040 vs typical $910
Net value after annual fee: ~$843
Estimate based on our value hints; not financial advice.
Annual Fee
$299/yr
Credit Score
Good credit recommended (670+)
Southwest Performance Business
Welcome Offer
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Southwest family rules
Based on reported data, only one Southwest personal card bonus appears to be earnable every 24 months. Business cards are exempt.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
Southwest Airlines purchases
4x points
Flights, inflight, and Southwest gift cards
Hotel accommodations booked direct
2x points
Gas stations + restaurants
2x points
Local transit + commuting
2x points
Including rideshare
All other purchases
1x point
Key benefits
Welcome bonus
Earn 80,000 points after $5,000 spend in 3 months.
Preferred + Extra Legroom seats
Complimentary Preferred seat at booking and Extra Legroom upgrade within 48 hours, when available.
Free first checked bag
For you and up to 8 additional passengers on the same reservation.
9,000 anniversary points
Each year on your cardmember anniversary.
Perks
Boarding benefit
Group 5 boarding for you and up to 8 passengers on the same reservation.
25% back on inflight purchases
Statement credit when you use your card inflight.
Companion Pass boost
10,000 Companion Pass qualifying points each year.
Global Entry/TSA PreCheck/NEXUS credit
Up to $120 fee credit.
Ongoing Value
Annual benefits that offset the fee year after year.
Free Checked Bags
1 free checked bag per flight
Priority Boarding
Priority boarding on eligible flights
Annual Fee Breakeven
Good fit for
About this card
The Chase Southwest Performance Business is a business airline rewards card with a $299 annual fee. New cardholders can earn 80,000 points after spending $5,000 in 90 days.
Best for
frequent travelers, frequent flyers, small business owners
Key considerations
The $299 annual fee is premium — evaluate ongoing benefits carefully. Subject to Chase 5/24 rule — plan application timing.
Card analysis
Offer analysis
The current offer on the Southwest Performance Business awards 80,000 points after spending $5,000 within 90 days of account opening.
Annual fee value
The $299 annual fee is partially offset by ongoing benefits including free checked bags (~$70/yr), with an estimated total value of ~$70 per year.
In the first year, the sign-up bonus alone delivers approximately $811 in net value after the annual fee and benefit credits.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
This card belongs to the southwest product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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