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Travel on Point(s) is an independent, advertising-supported website. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites like Cardratings.com. This compensation does not impact how or where products appear on this site. Travel on Point(s) has not reviewed all available credit card offers on this site. Reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any partner entities.

Southwest Business Card Reviews

Chase offers two Southwest business cards that can help you get the coveted Southwest Companion Pass:

But Companion Pass aside, how valuable are these cards? In this Southwest business card reviews we will take a look at the welcome offer, card perks and share our overall thoughts for both cards.

Southwest Business Cards: Current Welcome Offers

The Quidget_Southwest_Biz_Performance has the following welcome offer:
  • Quidget_bonus_full
  • The card has a annual_fees annual fee which is NOT waived.

The Quidget_Southwest_Biz_Premier has the following welcome offer:
  • Quidget_bonus_full
  • The card comes with a annual_fees annual fee which is NOT waived.

Chase Application Rules

As with any other Chase card, you cannot qualify for either card if you have opened more than 5 credit cards with any bank in the last 24 months. In addition, you cannot open a Southwest business card if you are a current holder of that specific card. Also, you cannot receive a welcome offer for a card that you have received one on in the last 24 months, even if you no longer hold that card.

Lastly: having one Southwest business card does not affect your eligibility for the other card.

Southwest Business Card Reviews: Earning Rates

Both cards offer bonus points per dollar spent on multiple categories:

Quidget_Southwest_Biz_Performance

Quidget_Southwest_Biz_Premier

  • 4x  on Southwest Airlines purchases
  • 3x on Rapid Rewards hotel and car rental partners
  • 2x on on social media and search engine advertising,
    internet, cable, and phone services
  • 2x on local transit and commuting, including rideshare
  • 1x on all other eligible purchases
  • 3x  on Southwest Airlines purchases
  • 2x on Rapid Rewards hotel and car rental partners
  • 2x on local transit and commuting, including rideshare
  • 1x on all other eligible purchases

Neither card is known for its earning prowess. Earning 4x or 3x on Southwest is not that valuable, considering how many cards earn multiple points per dollar on airline purchases. It could be a useful earning option for anyone going after a Southwest Companion pass though.

Southwest Business Card Benefits

The Performance and the Premier cards each have their own set of benefits, with a few overlapping:

Quidget_Southwest_Biz_Performance

Quidget_Southwest_Biz_Premier

Points earned every year on your Cardmember anniversary 9,000 6,000
4 Upgraded Boardings when available X
Up to 365 inflight WiFi credits per year X
Global Entry or TSA PreCheck fee credit X
Two EarlyBird Check-Ins per year X
25% back on inflight purchases X
No foreign transaction fees X X
Earn 1,500 tier qualifying points toward A-List status for every $5,000 spent X X
Southwest Performance Business Card Perks

The Quidget_Southwest_Biz_Performance offers stronger perks than the Quidget_Southwest_Biz_Premier, which is expected due to a higher annual fee. The upgraded boardings alone come close to justifying the Performance card's $199 annual fee for loyal Southwest flyers. Upgraded boardings cost between $30 and $50 per flight. The inflight credits can also be very useful. Southwest charges $8 for WiFi, so if you use your inflight WiFi credits 25 times in a year you'll have covered the cost of the annual fee.

Pro Tip: you can use the WiFi credits for everyone in your travel party, even on the same flight. The WiFi credits are good for 365 per year, not one per day.

Southwest Premier Business Card Perks

Meanwhile, the Premier card's perks are more modest. The two EarlyBird Check-Ins per year can be pretty useful. EarlyBird Check-In costs between $15 and $25 per flight and gives you automatic check-in before the usual 24-hour check-in for Southwest flights. Meanwhile, 25% off in-flight purchases can be helpful for those who regularly purchase WiFi or alcoholic beverages on Southwest flights.

Chasing Status

The last line in the table above shows that both cards can be used to achieve A-List or A-List Preferred status through spend. This perk is a nice little boost for those nearing A-List or A-List Preferred status at the end of the year. For those looking to earn status solely through spend, this is not a very good deal. Cardholders can earn 1,500 qualifying points for ever $5,000 in spend on either card. At this rate, cardholders would have to spend over $116,000 dollars in one year to achieve A-List. A-List Preferred requires twice as much!

Southwest Business Card Reviews

ToP Analysis

The annual fee for the Quidget_Southwest_Biz_Performance is easy to justify given the card's benefits. And the 9,000 anniversary points only sweetens the deal.

The Quidget_Southwest_Biz_Premier, on the other hand, is less compelling. Assuming the maximum cash cost of $25 per EarlyBird Check-In, the annual fee goes down from $99 to $49. With 6,000 anniversary points, you're essentially buying 6,000 Southwest points for $49 (approx. 0.8 cents per point). All this without factoring in the 25% off from inflight purchases.

The Premier card can make sense for some folks. But the Performance card is a much stronger card over all, despite the higher annual fee.

For purposes of getting the Southwest Companion Pass, we think the Performance card makes more sense. Getting the CP with a business card is much easier than relying only on a Southwest personal card. So if you're going to open a Southwest business card to get the Companion Pass, you might as well open the one with a bigger welcome offer and that gives you better perks. That said, if the Performance card's higher minimum spend of $5,000 is too high for you, then it makes sense to go with the Premier, which has a lower spend spend requirement of $3,000.

Southwest Business Card Reviews: ToP Thoughts

The Quidget_Southwest_Biz_Performance and the Quidget_Southwest_Biz_Premier can both be useful for frequent Southwest flyers. Of course, the two cards are also excellent for getting the Southwest Companion Pass. With their different set of perks, the Performance and the Premier can both help enhance your Southwest experience once you get the Companion Pass.

How do the Southwest business cards fit within your Companion Pass strategy? Do you consider either card to be a keeper? Come join the discussion in our Facebook group!

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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