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Southwest Premier Business credit card

Chase

Southwest Premier Business

oth 3xtra 2x
credit

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Card review

Southwest Premier Business

Chase

Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.

Annual fee

$99

Welcome bonus

See issuer

Est. net value

$353/yr

Credit score

Varies

Top earn rate

3x everything else

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The Southwest Premier Business from Chase carries a $99 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $421.68 in rewards plus $30.00 in credits and perks — $352.68 net per year before welcome bonuses.

How the points work

3X on Southwest Airlines purchases

2X on local transit and commuting, including rideshare

1X on all other purchases

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate
Everything elseSouthwest
TransitTransit
TravelRapid Rewards hotels
Everything elseAll Purchases

Credits & benefits

Statement credits and perks we model in net-value calculations.

Benefits & perks

  • Free Checked Bags

    <p>First and second checked bags. Weight and size limits apply.</p>

  • Tier Qualifying Points

    <p>Earn 1,500 tier qualifying points (TQPs) for each $10,000 spent annually (12 billing cycles). TQPs can help you qualify for <span class="text-nowrap">A-List status</span>. <a href="https://www.uponarriving.com/southwest-a-list/">Learn More</a></p>

  • EarlyBird Check-In$30/yr

    <p>Each anniversary year you will be reimbursed for the purchase of up to 2 EarlyBird Check-In services. Each EarlyBird Check-In service means a purchase made for EarlyBird Check-In one-way, per Passenger.</p>

  • 25% off in-flight purchases

    <p><span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Receive 25% back on United Inflight Wi-Fi, food and drinks.&quot;}" data-sheets-userformat="{&quot;2&quot;:6659,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:4210752},&quot;15&quot;:&quot;\&quot;Open Sans\&quot;, Arial, Helvetica, sans-serif&quot;}">Receive 25% back on Southwest Inflight Wi-Fi, food and drinks.</span></p>

Included, not priced

  • Anniversary Points

    <p>Receive 6,000 Rapid Rewards every year after your anniversary date. <a href="https://www.uponarriving.com/southwest-airlines-anniversary-points-credit-cards/">Learn More</a></p>

Insurance cover and point awards. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so we leave them out of the totals above.

Transfer partners

Where this card's points can go, and at what ratio. 13 partners.

  • Air Canada Aeroplan1:1
  • Air France KLM Flying Blue1:1
  • British Airways Avios1:1
  • Emirates Skywards1:1
  • Iberia Plus1:1
  • JetBlue TrueBlue1:1
  • Singapore KrisFlyer1:1
  • Southwest Rapid Rewards1:1
  • United MileagePlus1:1
  • Virgin Atlantic Flying Club1:1
  • World of Hyatt1:1
  • IHG One Rewards1:1
  • Marriott Bonvoy1:1

Work out what a transfer is worth in the transfer calculator.

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee
$99
Stated credits
+$0
Perks (est.)
+$30
Net after credits & perks
-$69

Verdict

Fee exceeds stated credits & perks

You'll need enough rewards on your spend to cover the gap — model that below.

WalletFlo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward calculator

Model this card on your spend — adjust categories and compare with others.

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Frequently asked questions

What credit score do I need?
Issuers generally look for good-to-excellent credit; exact thresholds vary.
Is the annual fee worth it?
See the annual fee analysis above, or open the full calculator to model credits and perks against $99 per year.

Ready to apply?

Southwest Premier Business

Apply now