Southwest Rapid Rewards Premier Business
Chase
Southwest Rapid Rewards Premier Business
Offer Strength
Above average$65 above typical value
Show breakdown
Estimated bonus value: ~$780
Base score: 43
Airline boost: +15
Ongoing airline value (conservative, ~2 trips/yr): ~$147
• 1 free checked bag
Current $780 vs typical $715
Net value after annual fee: ~$778
Estimate based on our value hints; not financial advice.
Annual Fee
$149/yr
Credit Score
Good credit recommended (670+)
Southwest Rapid Rewards Premier Business
Welcome Offer
Earn 60,000 points after you spend $3,000 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
3x points
Flights, inflight, and Southwest gift cards
Gas stations + restaurants
2x points
First $8,000 in combined purchases per anniversary year
All other purchases
1x point
Key benefits
Welcome bonus
Earn 60,000 points after $3,000 spend in 3 months.
Free first checked bag
For you and up to 8 additional passengers on the same reservation.
Seat selection benefit
Select a Standard or Preferred seat within 48 hours prior to departure, when available.
6,000 anniversary points
Each year on your cardmember anniversary.
Perks
15% flight discount
Promo code each year on your cardmember anniversary (excludes Basic fare).
25% back on inflight purchases
Statement credit when you use your card inflight.
Companion Pass boost
10,000 Companion Pass qualifying points each year.
A‑List status boost
2,000 TQPs for every $5,000 spent in purchases annually.
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 Rapid Rewards Premier Business is a business airline rewards card with a $149 annual fee. New cardholders can earn 60,000 points after spending $3,000 in 90 days.
Best for
occasional travelers, frequent flyers, small business owners
Key considerations
The $149 annual fee requires moderate use to justify. Subject to Chase 5/24 rule — plan application timing.
Card analysis
Offer analysis
The current offer on the Southwest Rapid Rewards Premier Business awards 60,000 points after spending $3,000 within 90 days of account opening.
Annual fee value
The $149 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 $701 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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