Best sub-$100 Southwest business card

The Southwest Rapid Rewards Premier Business Card gives business owners the opportunity to earn and redeem Rapid Rewards points, get valuable airline perks and add employee cards for no additional cost. (Partner Offer)

At a glance

  • 3X Earn 3X pts on Southwest® purchases.
  • 2X Earn 2X pts on Rapid Rewards® hotel and car rental partners.
  • 2X Earn 2X pts on local transit and commuting, including rideshare.
  • 1X Earn 1X pts on all other purchases.
60,000 points
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
Up to 29.99%
29.99% Variable
21.49% - 28.49% variable
21.49% - 28.49% variable
$99

At a glance

  • 3X Earn 3X pts on Southwest® purchases.
  • 2X Earn 2X pts on Rapid Rewards® hotel and car rental partners.
  • 2X Earn 2X pts on local transit and commuting, including rideshare.
  • 1X Earn 1X pts on all other purchases.
60,000 points
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
Up to 29.99%
29.99% Variable
21.49% - 28.49% variable
21.49% - 28.49% variable
$99
  • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • Earn 3X points on Southwest Airlines® purchases.
  • Earn 2X points on Rapid Rewards® hotel and car rental partners.
  • Earn 2X points on rideshare.
  • 1 point per $1 spent on all other purchases.
  • 2 EarlyBird Check-In® each year.
  • Member FDIC

Our Take

TPG Editor's Rating

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3/5

Overview

If Southwest is your airline of choice for your business, you’ll want to open a card that will reward you — and the Southwest Rapid Rewards Premier Business Card does just that. This card will help you achieve Southwest elite status faster by granting 1,500 Tier Qualifying Points (TQPs) for every $10,000 spent on the card.

Pros

  • 6,000 bonus Southwest points each card anniversary
  • Primary rental car insurance
  • Lost luggage and trip protection benefits
  • No foreign transaction fees

Cons

  • $99 annual fee isn't for everyone
  • Limited to redeeming for Southwest only

Who is this card good for?

This card is ideal for business owners who frequently fly with Southwest but don’t want to pay a high annual fee for an airline card. It can also help jumpstart you to elite status by putting you and your employees’ business spend on the card.

Earning Rewards

You’ll earn 3 points per dollar on Southwest purchases, 2 points per dollar on Rapid Rewards hotel, rental cars and rideshares, and 1 point per dollar on all other eligible purchases.