Chase Southwest Business Performance Card Review

The Southwest® Rapid Rewards® Performance Business Credit Card is a great choice for individuals who frequently travel with Southwest Airlines. The advantages it offers, such as upgraded boarding, complimentary in-flight WiFi, Global Entry, TSA PreCheck® or NEXUS credits, and additional bonuses on purchases beyond just Southwest, easily outweigh the annual fee. Terms apply to benefits.

Key Features

Anniversary Bonus:
Get 9,000 Rapid Rewards points every card anniversary.

Point Multipliers:

• 4x points on Southwest Airlines purchases (includes flights, in-flight purchases, and Southwest gift cards)
• 2x points at:
  • Gas stations and restaurants
  • Local transit and commuting, including rideshare
  • Hotel stays booked directly with the hotel
• 1x point on all other purchases

Also, benefits valid through 12/31/2025:

• 4 Upgraded Boardings per year
  • When available for flights flying in 2025.
• 365 Inflight Wi-Fi Credits
  • Get up to 365 inflight internet credits for Southwest flights flying in 2025.
• $500 Fee Credit for Points Transfers
  • Up to $500 in statement credits for Rapid Rewards points transfers in 2025.
• 4x on Southwest Cruises
  • Earn 4 points per dollar on Southwest Cruises.
• 3x on Hotels and Car Rentals
  • Earn 3 points per dollar with Rapid Rewards hotel and car rental partners.
• 2x on Business Services
  • Earn 2 points per dollar on social media and search engine advertising, plus internet, cable, and phone services.

Travel and Purchase Protection Benefits:

• Baggage Delay Insurance
• Auto rental collision damage waiver - Primary when renting for business purposes
• Extended Warranty Protection
• Lost Luggage Reimbursement
• Roadside Dispatch
• Purchase Protection
• Travel and Emergency Assistance

Intro Bonus and Eligibility

The Southwest® Rapid Rewards® Performance Business Credit Card has a few application rules to be aware of:

• To qualify for the intro bonus, you cannot currently have the Southwest® Rapid Rewards® Performance Business Credit Card.
• The Southwest cards are affected by the Chase 5/24 rule.
• If you have opened more than 5 accounts from any credit card issuer in the past 24 months, you don’t qualify for the intro bonus.
• You can earn a Southwest welcome offer once every 24 months.

Unlike personal Southwest cards, you can have multiple Southwest business cards.

Review: Is The Chase Southwest Business Performance Card Worth It?

The Southwest® Rapid Rewards® Performance Business Credit Card is a valuable companion for business owners who frequently fly with Southwest. 

While it has a higher annual fee compared to other Southwest cards, it offers exceptional rewards-earning potential. Additionally, the card provides useful perks that can help offset the annual fee, such as a 9,000-point anniversary bonus, a path to airline status, upgraded boardings, inflight WiFi credit, and a statement credit for Global Entry or TSA PreCheck® programs. Furthermore, the card’s travel and shopping protections justify using it for purchases outside of Southwest and other bonus categories. 

The card's intro bonus and generous rewards structure can bring you closer to earning a Companion Pass. However, if that is not your goal, you may find other cards more suitable for your business spending needs, offering broader category bonuses, more flexible points, and even greater travel protections.

Travel Perks (For you + 8 companions on the same reservation)

If you regularly fly Southwest for work or travel with a team, the Performance Business Card just became a powerhouse. Many of the most valuable Southwest perks will now extend to you and up to 8 companions on the same reservation, including Preferred seating, Group 5 boarding, and even Extra Legroom upgrades when available.

These upgrades not only enhance your experience at the gate and onboard, but they also help streamline group travel without incurring additional costs. Whether you’re flying with clients, employees, or family, the benefits scale in value the more people you book with.

Here’s a breakdown of what you’ll get:

• Preferred Seat at Booking
  • Select a Preferred or Standard seat at no additional charge when available for you and up to 8 companions on the same reservation.
• Extra Legroom Seats
  • Get unlimited complimentary upgrades to Extra Legroom seats within 48 hours before departure for you and up to 8 companions on the same reservation, when available.
• Group 5 Boarding
  • Board earlier with Group 5 for you and up to 8 companions on the same reservation.
• First Checked Bag Free
  • Your first checked bag is free for you and up to 8 companions on the same reservation. A group of four could save up to $280 roundtrip ($35 per bag each way).
• 25% Back on Inflight Purchases
  • Get 25% back as a statement credit on inflight Wi-Fi, drinks, and snacks when you pay with your card.
• Global Entry / TSA PreCheck®/ NEXUS Credit
  • Get up to $120 in statement credits every four years toward application fees for Global Entry, TSA PreCheck®, or NEXUS.

🎯 Companion Pass + Status Boosts

• 10,000 Companion Pass Qualifying Points
  • Receive 10,000 Companion Pass-qualifying points every year just for being a cardmember.
• Spend Toward A-List Status
  • Earn 2,500 Tier Qualifying Points (TQPs) for every $5,000 spent on purchases annually.

Overall Thoughts

Business owners who are loyal to Southwest and have expenses that align with the card’s rewards categories can maximize its benefits and potentially find it highly rewarding. The card offers attractive perks that add to its overall value. 

However, if your business spending does not align with the specific rewards categories of this card or you don't fly Southwest, you may find greater value in opting for a general travel card with broader rewards categories or flat-rate rewards.