Southwest Rapid Rewards Performance Business
- Annual fee
- $1
- Network
- visa
- Type
- business
It earns Southwest Rapid Rewards points, with elevated rewards on Southwest purchases and select business, transit, and communications categories, plus base rewards on other eligible purchases.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$160 of the advertised value — 48% — comes with strings attached.
- $330 advertised across 4 benefits.
- $160 (48%) needs a booking, enrollment, or deadline.
- Biggest credit — Monthly Instacart credit, $120 — only via Instacart.
- First checked bag free ($140) posts automatically. No hoops.
- No-hoops value covers 17000% of the annual fee.
- You book travel through Instacart.
- You'll actually use First checked bag free.
- 4× on Southwest purchases matches your spend.
- You book direct, not via Instacart.
Welcome offer
Earn 80,000 points after spending $5,000 on purchases in the first 3 months from account opening.
- Est. value
- $1,120
- Minimum spend
- $5,000
- Within
- 3 mo
Earning rates
- All other purchases1×ptsSouthwest Rapid Rewards
- Top earnSouthwest purchases4×ptsSouthwest Rapid Rewards
- Rapid Rewards hotel and car rental partners3×ptsSouthwest Rapid Rewards
- Social media and search engine advertising, internet, cable, and phone services2×ptsSouthwest Rapid Rewards
- Local transit and commuting, including rideshare2×ptsSouthwest Rapid Rewards
On-card benefits & credits
- First checked bag free$140/Annual
The primary cardmember and up to eight passengers on the same reservation each receive their first standard checked bag free on eligible Southwest-operated flights.
- Global Entry, TSA PreCheck® or NEXUS fee credit$120/One-time
Receive one statement credit of up to $120 every four years after an eligible Global Entry, TSA PreCheck® or NEXUS application fee is charged to the card.
- Monthly Instacart credit$10/Monthly
Receive one $10 Instacart account credit each month while an active Instacart+ membership remains in place after activation. It requires a purchase of at least $10, and unused credit does not roll over.
- Quarterly DoorDash non-restaurant discount$10/Quarterly
Get up to $10 off one qualifying non-restaurant DoorDash order each calendar quarter while enrolled in DashPass. Unused value is forfeited and does not roll over.
- Lost Luggage Reimbursement$0/Annual
Lost luggage reimbursement is available subject to the Guide to Benefits. The quoted $2,000-per-bag and $10,000-per-trip limits are stated specifically for New York residents.
- Baggage Delay Insurance$0/Annual
Baggage delay insurance is available subject to restrictions, limitations, and exclusions in the Guide to Benefits.
- Roadside Assistance$0/Annual
Roadside assistance is available subject to restrictions, limitations, and exclusions in the Guide to Benefits.
- No foreign transaction fees$0/Annual
The card does not charge foreign transaction fees.
- Unlimited Extra Legroom seat upgrades$0/Annual
Within 48 hours before departure, upgrade to an available Extra Legroom seat at no additional charge for the primary cardmember and up to eight additional passengers on the same reservation.
- Auto Rental Coverage$0/Annual
Auto rental coverage is available when the card is used, subject to restrictions, limitations, and exclusions stated in the card’s Guide to Benefits.
- Travel Accident Insurance$0/Annual
Travel accident insurance is available subject to restrictions, limitations, and exclusions in the Guide to Benefits.
- Complimentary Preferred seat at booking$0/Annual
Select a Preferred or Standard seat at booking at no additional charge when available, for the primary cardmember and up to eight additional passengers on the same reservation.
- Group 5 boarding$0/Annual
The primary cardmember and up to eight passengers on the same reservation board no later than Group 5 on eligible Southwest-operated flights.
- 10,000 Companion Pass qualifying-point boost$0/Annual
Receive one annual boost of 10,000 Companion Pass qualifying points. Only one eligible Southwest credit-card boost is available per primary Rapid Rewards member each calendar year.
- Purchase Protection$0/Annual
Eligible purchases receive purchase protection subject to the Guide to Benefits. For New York residents, the source states a 90-day coverage period from purchase.
- 12 months of complimentary DashPass$0/One-time
Receive 12 months of complimentary DashPass when first activated by December 31, 2027. After the complimentary period, the membership automatically renews at the then-current monthly rate unless canceled.
- Travel and Emergency Assistance$0/Annual
Travel and emergency assistance is available subject to the Guide to Benefits; the source does not state a reimbursement ceiling.
- A-List tier qualifying points from card spend$0/Annual
Earn 2,500 tier qualifying points toward Southwest A-List or A-List Preferred status for each $5,000 spent in purchases annually. This is an ongoing spend-based earning benefit rather than a one-time unlocked tier.
- Three months of complimentary Instacart+$0/One-time
Receive one complimentary Instacart+ membership for three months when first activated by December 31, 2027. It may automatically convert to a paid annual membership unless canceled.
- Extended Warranty Protection$0/Annual
Extended warranty protection is available on eligible card purchases, subject to the Guide to Benefits.
Other Chase cards
Is the Southwest Rapid Rewards Performance Business right for your spend?
Drop in your typical monthly spend and we'll show exactly how much this card would earn you — plus how it stacks up against your current wallet.