Southwest Performance Business Benefits, Credits & Annual Fee

• 80,000 Rapid Rewards points

  $5,000 First 3 months from account opening **80,000 Bonus Points After You Spend $5,000 On Purchases In The First 3 Months From Account Opening: This new Cardmember bonus offer is not available to either (i) current Cardmembers of this business credit card, or (ii) previous Cardmembers of this business credit card who received a new Cardmember bonus for this business credit card within the last 24 months.** To qualify for your bonus points, you must make Purchases totaling $5,000 or more during the first 3 months from account opening. Please allow up to 8 weeks for bonus points to post to your Rapid Rewards® account. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

  Checked Oct 14, 2026Source

• Global Entry / TSA PreCheck / NEXUS Application Fee Credit$120 / 4yrTrackable

  Get up to $120 back as a statement credit when you pay the application fee for Global Entry, TSA PreCheck, or NEXUS with this card. Only one credit is available every 4 years. The credit posts automatically after the fee charge appears on your statement.

  Checked May 22, 2026
• 25% Back on Inflight Purchases25% / yr

  Receive 25% back as a statement credit on Southwest Airlines inflight purchases made with this card, including purchases by employees on your account.

  Checked Sep 14, 2026

Travel Benefits

• First Checked Bag Free

  Check your first bag for free on Southwest flights, with the same perk extended to up to 8 additional passengers on the same reservation. For a group of 4, that's a savings of up to $280 roundtrip. You must be the cardmember on the reservation to unlock it for travel companions.

  Checked May 22, 2026
• Preferred Seat Selection

  Choose a Preferred seat at no additional charge when booking a Southwest flight. Select an available Preferred seat during the booking process. The benefit depends on seat availability, so a Preferred seat may not be offered on every flight.

  Checked Sep 28, 2026
• Extra Legroom Seat Upgrade

  Upgrade to an Extra Legroom seat at no charge on Southwest assigned-seating flights, available within 48 hours before departure. Upgrades are subject to seat availability and apply to flights operating with assigned seating in 2026 and beyond. You can use this benefit an unlimited number of times.

  Checked May 22, 2026
• Group 5 Boarding Benefit

  Board in Group 5 on Southwest assigned-seating flights, giving you earlier access to overhead bin space. Up to 8 passengers on the same reservation board with you under this benefit. Applies to flights operating with assigned seating in 2026 and beyond.

  Checked May 22, 2026

Airline Status

• Tier Qualifying Points Toward A-List StatusTrackableMin spend $5,000

  Earn 2,500 tier qualifying points (TQPs) toward Southwest A-List status for every $5,000 spent on purchases in a calendar year. TQPs accumulate automatically and count alongside points earned from flights. There is no cap on TQPs earned through spending.

  Resets: Calendar yearChecked Sep 28, 2026
• Companion Pass Qualifying Points Boost10,000 pts / yr

  Get a 10,000 Companion Pass qualifying points boost each calendar year. These points count toward Companion Pass qualification and do not count as redeemable Rapid Rewards points.

  Checked Sep 14, 2026

Travel Insurance

• Baggage Delay Insurance

  Covers essential purchases - like toiletries and clothing - when your bags are delayed more than 6 hours. Use your card to pay for the trip, then file a claim for eligible out-of-pocket expenses. You can get up to $100 per day for up to 3 days.

  Checked Oct 9, 2026
• Lost Luggage Reimbursement

  Covers the cost to repair or replace checked or carry-on bags that are lost, damaged, or stolen on a covered trip. Pay for your travel with this card to be eligible for coverage. Reimbursement is up to $3,000 per covered traveler.

  Checked Oct 9, 2026

Bonus Earnings

• 4x Points on Southwest Airlines Purchases4x points

  Earn 4 Rapid Rewards points per $1 on purchases made directly with Southwest Airlines.

  Checked Sep 14, 2026
• 4x Points on Southwest Cruises4x points

  Earn 4 Rapid Rewards points per dollar on Southwest Cruises bookings. This elevated rate is a limited-time offer ending December 31, so book cruises before that date to take advantage of it.

  Checked Oct 7, 2026
• Anniversary Bonus Points9,000 pts / yr

  Receive 9,000 bonus Rapid Rewards points each year after your cardmember anniversary. Points are awarded automatically while you remain a cardmember.

  Checked Sep 14, 2026
• 3x Points on Rapid Rewards Hotel and Car Rental Partner Purchases3x points

  Earn 3 Rapid Rewards points per dollar when booking hotels or rental cars through Southwest's Rapid Rewards partner program. This rate is a limited-time offer available through December 31 only.

  Checked Oct 7, 2026
• 2x Points at Gas Stations and Restaurants2x points

  Earn 2 Rapid Rewards points per $1 at gas stations and restaurants worldwide.

  Checked Sep 30, 2026
• 2x Points on Hotel Accommodations Booked Directly2x points

  Earn 2 Rapid Rewards points per dollar on hotel stays booked directly with the hotel. Reservations made through third-party booking sites or online travel agencies do not qualify for this rate.

  Checked Sep 30, 2026
• Earn 2 Points Per $1 on Local Transit and Commuting2x points

  Earn 2 Rapid Rewards points per $1 on local transit and commuting expenses, including rideshare services. This rate applies automatically whenever purchases are coded in transit or commuting categories.

  Checked Sep 30, 2026
• 2x Points on Social Media, Search Engine Advertising, Internet, Cable and Phone Services2x points

  Earn 2 Rapid Rewards points per dollar on social media and search engine advertising, as well as internet, cable, and phone services. Note this elevated rate is available through December 31, after which standard earn rates apply.

  Checked Sep 30, 2026
• 1x Points on All Other Eligible Purchases1x points

  Any eligible purchase that doesn't fall into a higher bonus category earns 1 Rapid Rewards point per dollar spent. This base rate applies automatically across all other spending with no restrictions.

  Checked Sep 30, 2026
• Referral Bonus Points20,000 pts / yr

  Earn 20,000 bonus Rapid Rewards points for each friend or business owner you refer who is approved for any Southwest Rapid Rewards credit card. Referrals are submitted through your online account or the Southwest referral portal. You can earn up to 100,000 bonus points per calendar year this way.

  Checked Oct 9, 2026

Purchase Protection

• Purchase Protection

  Protects eligible new purchases against damage or theft for 120 days from the date you buy them. Pay with this card to be covered. Coverage is up to $10,000 per item.

  Checked Oct 9, 2026
• Extended Warranty Protection

  Adds one extra year of coverage to eligible U.S. manufacturer warranties of 3 years or less. Pay for the item with this card to activate protection. Total coverage cannot exceed 4 years from the original purchase date.

  Checked Oct 9, 2026

Fees & Miscellaneous

• No Foreign Transaction Fees

  Pay no foreign transaction fees when you use this card for purchases made outside the United States. This applies automatically on every international transaction - no enrollment needed.

  Checked May 22, 2026
• Employee Cards at No Additional Cost

  Add employee cards to your business account at no extra cost. Employee spending earns Rapid Rewards points that go directly to your account. There is no fee per employee card added.

  Checked May 22, 2026