Chase
Southwest Rapid Rewards Performance Business
Annual Fee
$199
Sign-up Bonus
80,000 pts
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on flights (catalog median is 2x)
- The $199 annual fee needs strong category spending to clear
- Non-bonus spending earns only 1x
Is the $199 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$212/yr
$386 rewards + $25 credits - $199 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$333/yr
$507 rewards + $25 credits - $199 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$537/yr
$711 rewards + $25 credits - $199 fee
Rewards by Category
Dining
2x
Grocery
1x
Gas
1x
Flights
3x
Hotels
2x
Other Travel
2x
Online Shopping
1x
Rideshare
2x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
2x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.4 cents per point
The Fine Print That Changes the Math
4X on Southwest. 3X on Rapid Rewards partners. 2X on social media, internet, cable. Upgraded boardings, inflight WiFi credits.
Benefits & Credits
Global Entry/TSA PreCheck Credit$100
We count this at 25% of face value (typical usage)
Southwest Rapid Rewards Performance Business FAQ
What is the Southwest Rapid Rewards Performance Business annual fee?
The Southwest Rapid Rewards Performance Business has a $199 annual fee. Statement credits worth about $25/yr at typical usage reduce the effective cost.
What is the Southwest Rapid Rewards Performance Business signup bonus?
80,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Southwest Rapid Rewards Performance Business?
3x on flights, 2x on hotels, 2x on other travel. Everything else earns 1x.
Is the Southwest Rapid Rewards Performance Business worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $212/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
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Is Southwest Rapid Rewards Performance Business Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
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