Southwest Rapid Rewards Premier Business
Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferBenefits and fees last verified Jun 2026against the issuer's published terms.
60,000 Rapid Rewards points once $3,000 of spend posts within your first 3 months. $149 annual fee.
- Annual fee
- $149
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
Earning Rates
Earning rates
5- 3xflights
3X Rapid Rewards points per $1 on purchases made directly with Southwest Airlines, including flight, inflight, Southwest gift cards, and Southwest Vacations or Getaways by Southwest packages (Chase issuer page rewards terms, which exclude other Southwest-related purchases such as Southwest Charters and Southwest Cargo; the 3X on Southwest Cruises purchases was scoped to run only until December 31, 2025)
- 2xdining
2X Rapid Rewards points per $1 on the first $8,000 in combined annual purchases at gas stations and at restaurants, then 1X after the cap is met within the account anniversary year (this is the post-2025-refresh combined category on Chase's current Premier Business product page)
- 2xlodging
No longer earning: the 2X tier on Rapid Rewards hotel and rental car partners and on local transit and commuting purchases still appears in the Chase product page Rewards section, but its own terms scope it "Until December 31, 2025", so it does not earn on 2026 statements. The legacy 2X tier covering social media and search engine advertising and internet, cable, and phone services, which previously distinguished the Premier Business from the personal Premier, is not on this card's page at all (those categories sit on the Performance Business card)
- 1xeverything else
1X Rapid Rewards points per $1 on all other purchases (Chase issuer page)
- 1x
1 Rapid Rewards point per $1 on the first $15,000 of balance transfers made during the first 90 days from account opening (unusual benefit on a cobrand business card; Chase issuer page)
Statement credits
1- 25% back as a statement credit on Southwest inflight Wi-Fi and drink purchases made with the Premier Business card, including purchases made by employee cardholders on the account; credits post the same day and appear on the monthly statement within 6-8 weeks (Chase issuer page)
Perks & memberships
10- Airline perk2 EarlyBird Check-Ins per year benefit historically associated with the Premier Business: this benefit was removed as part of the late-2025 Southwest cobrand refresh and is not listed on Chase's current Premier Business product page; cardholders should plan around its absence (consistent with TPG's October 29, 2025 documentation that EarlyBird Check-Ins and four upgraded boardings were sunset across the Southwest cobrand portfolio on December 31, 2025)
- Airline perkFirst standard checked bag free for the primary Cardmember and up to 8 additional Passengers on the same Southwest reservation (at $35 per first checked bag under Southwest's 2025 baggage policy, a four-person business team round-trip saves up to about $280; authorized users and employee-card users are NOT eligible for the bag benefit)
- Airline perkSelect a Standard or Preferred seat within 48 hours of departure when available, for the primary Cardmember and up to 8 Passengers on the same reservation (replaces the prior open-seating boarding-position perks under Southwest's assigned-seating overhaul)
- Airline perkGroup 5 priority boarding for the primary Cardmember and up to 8 Passengers on the same reservation, or an earlier group if their tier status or fare entitles them to one (Chase issuer page; aligns with Southwest's January 2026 boarding revamp)
- Airline perk15% Southwest flight promotion code delivered to the primary Cardmember's Rapid Rewards account each Cardmember anniversary year, valid for one year, excluding Basic fare (Chase issuer page; new perk introduced with the 2025 refresh that effectively replaces the legacy travel credit)
- Status earning2,000 tier qualifying points (TQPs) toward Rapid Rewards A-List and A-List Preferred status for every $5,000 spent on the Premier Business card per calendar year, with no cap (A-List requires 35,000 TQPs, so roughly $87,500 of card spend can fully qualify a business owner; Chase issuer page)
- Airline perk10,000 Companion Pass qualifying points boost deposited automatically each calendar year by January 31 (or within 30 days of account opening for new accounts); points from Premier Business spending and from the welcome bonus also count toward the 135,000 calendar-year Companion Pass threshold per Frequent Miler's 2025 Complete Guide
- No foreign feesNo foreign transaction fees on purchases made outside the United States (Chase issuer page; example: $5,000 of international spend avoids about $150 in fees that a 3% card would charge)
- Authorized usersFree employee cards at no additional cost, with the ability to set individual employee spending limits; purchases made on employee cards earn Rapid Rewards points into the primary account (Chase issuer page)
- Card networkVisa Signature Business card with My Chase Plan budgeting tool that lets cardholders convert eligible purchases into fixed-payment plans of 3 to 24 months (Chase issuer page)
Travel & purchase protections
5- Lost luggage reimbursement up to $3,000 per covered traveler when checked or carry-on baggage is lost, damaged, or stolen during a covered trip charged to the card (Chase issuer page Travel and Purchase Protection section)
- Baggage delay insurance: reimburses up to $100 per day for up to 3 days for essential purchases like toiletries and clothing when checked baggage is delayed over 6 hours (Chase issuer page)
- Purchase protection covers eligible new purchases against damage or theft for 120 days from the date of purchase, up to $10,000 per claim and $50,000 per account (Chase issuer page Travel and Purchase Protection section; 90 days for NY residents under standard Chase visa rules)
- Extended warranty protection extends the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less, up to 4 years total from the date of purchase (Chase issuer page)
- Primary auto rental collision damage waiver (CDW) on business rentals: this is the standard Visa business card benefit pattern Chase historically applied to the Premier Business; the current Chase product page does not enumerate a CDW level in the Travel and Purchase Protection section, so confirm primary status in the Guide to Benefits before declining the rental counter coverage on a business trip
More benefits & fine print (2)ShowHide
- 6,000 bonus Rapid Rewards points each Cardmember anniversary year, worth approximately $87 at TPG's 1.45 cents-per-point valuation (Chase issuer page; effectively offsets more than half the annual fee in points)
- Refer-A-Business bonus: earn up to 100,000 bonus Rapid Rewards points per calendar year by referring approved Southwest Rapid Rewards business cardholders, at 20,000 points per approved referral (Chase issuer page; allows up to 5 successful referrals annually)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
How we verified this card (4 sources)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
How to Earn the Bonus
Spend $3,000 in the first 3 months to earn the 60,000 bonus points bonus.
See the Current Offer
Earn 60,000 bonus points
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Have a trip in mind?
Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.