Southwest Rapid Rewards Premier Business
- Annual fee
- $149
- Network
- visa
- Type
- business
It earns Southwest Rapid Rewards points on eligible purchases, with elevated rewards on Southwest purchases and select business spending categories.
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.
- $140 advertised across 1 benefits.
- Free first checked bag ($140) posts automatically. No hoops.
- No-hoops value covers 94% of the annual fee.
- You'll actually use Free first checked bag.
- 3× on Southwest purchases matches your spend.
- You want the fee covered without chasing — $9 short.
Welcome offer
Earn 60,000 points after spending $3,000 on purchases in the first 3 months from account opening.
- Est. value
- $780
- Minimum spend
- $3,000
- Within
- 3 mo
Earning rates
- All other purchasesOn all other non-category business purchases1×ptsSouthwest Rapid Rewards
- Top earnSouthwest purchasesPurchases made directly with Southwest Airlines (including flights, inflight purchases, Southwest gift cards, and Southwest Vacations packages)3×ptsSouthwest Rapid Rewards
- Rapid Rewards partner hotel and car rentalsPurchases made with participating Southwest Rapid Rewards hotel and car rental partners2×ptsSouthwest Rapid Rewards
- Local transit and commutingIncludes rideshares, passenger trains, buses, taxis, limousines, tolls, and parking lots/garages2×ptsSouthwest Rapid Rewards
On-card benefits & credits
- Free first checked bag$140/Annual
The primary cardmember and up to eight passengers on the same reservation each receive one free standard checked bag. The Rapid Rewards number must be included in the reservation; partner-carrier flights are excluded.
- Preferred seat selection within 48 hours$0/Annual
The primary cardmember and up to eight additional passengers on the same reservation may select an available Standard or Preferred seat within 48 hours before departure. Applies to flights operating with assigned seating in 2026 and beyond.
- No foreign transaction fees$0/Annual
The card charges no foreign transaction fees on purchases made outside the United States.
- Group 5 boarding$0/Annual
The primary cardmember and up to eight passengers on the same reservation board with Group 5, or earlier when otherwise eligible. Available on Southwest-operated flights and applies to assigned-seating flights in 2026 and beyond.
- 15% annual flight discount code$0/Annual
Receive one 15% promotional code each account-anniversary year, valid for eligible Southwest base fares and excluding Basic fares. The code expires within one year of delivery.
- Purchase protection$0/Annual
Covers eligible new purchases against theft or damage for 120 days from purchase, or 90 days for New York residents, up to $10,000 per item.
- Lost luggage reimbursement$0/Annual
Reimburses a covered traveler for repair or replacement of checked or carry-on baggage lost, damaged or stolen during a covered trip. New York limitations include $2,000 per bag and $10,000 for all covered travelers per trip.
- Extended warranty protection$0/Annual
Extends an eligible manufacturer’s U.S. warranty by one additional year when the original warranty is three years or less, up to four years from purchase.
- 10,000 Companion Pass qualifying points boost$0/Annual
Receive one annual boost of 10,000 Companion Pass qualifying points. Only one Southwest Rapid Rewards credit-card account per primary Rapid Rewards member is eligible for the boost each calendar year.
- Employee cards at no additional cost$0/Annual
Employee cards are available without an additional card fee. The primary cardholder earns rewards on employee spending and can set individual spending limits.
- A-List tier qualifying points$0/Annual
Earn 2,000 tier qualifying points toward Southwest A-List or A-List Preferred status for every $5,000 in annual card purchases. This is an ongoing spend-based earning benefit rather than a one-time unlocked tier.
- Baggage delay insurance$0/Annual
Reimburses essential purchases such as toiletries and clothing when baggage is delayed more than six hours, up to $100 per day for three days.
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