Chase
Southwest Rapid Rewards Premier Business
Annual Fee
$149
Sign-up Bonus
80,000 pts
Card data last reviewed 2026-05-22
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 2x on gas (catalog median is 1.5x)
- The $149 annual fee needs strong category spending to clear
- Non-bonus spending earns only 1x
- Top earn rate is capped (shared across categories)
Is the $149 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$241/yr
$390 rewards - $149 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$293/yr
$442 rewards - $149 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$270/yr
$419 rewards - $149 fee
Rewards by Category
Dining
2x
Grocery
1x
Gas
2x
Flights
1x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
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: 1.3 cents per point
The Fine Print That Changes the Math
3X on Southwest purchases. 2X on gas and restaurants on the first $8,000 combined per year (1X after). 1X elsewhere. 6,000 anniversary points. First checked bag free for cardholder and up to 8 companions on the same reservation. Preferred seat selection when available within 48 hours of departure. Group 5 boarding. 15% anniversary promotional code on non-Basic fares.
- Dining, Fast Food, Gas: combined cap of $8,000 per year
Southwest Rapid Rewards Premier Business FAQ
What is the Southwest Rapid Rewards Premier Business annual fee?
The Southwest Rapid Rewards Premier Business has a $149 annual fee.
What is the Southwest Rapid Rewards Premier Business signup bonus?
80,000 points for new cardholders meeting the minimum spend. Verified 2026-05-22. Check the issuer's site for the current offer.
What are the best spending categories for the Southwest Rapid Rewards Premier Business?
2x on dining, 2x on fast food, 2x on gas. Everything else earns 1x.
Is the Southwest Rapid Rewards Premier Business worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $241/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
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Is Southwest Rapid Rewards Premier 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.
Sources & Verification
Card data last reviewed 2026-05-22.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.