Miles · Visa · $149 annual fee
Last verified 2026-09-09. Review issuer source
Chase Southwest Rapid Rewards Premier Business is a $149-a-year miles card from Chase. Its best everyday rates are 2x on dining, and 2x on gas stations; everything else earns 1x. There is also 3x on Southwest, a single-merchant rate. Dining is capped at $8,000 a year, then drops to the base rate. Rewards are Southwest Rapid Rewards miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $73,200 a year it earns $276, which clears the $149 fee with $127 to spare before any credits or perks. The welcome bonus, 60,000 miles after $3,000 in 3 months, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do.
Cap: $8,000 per annual
Earn 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per anniversary year.
Cap: $8,000 per annual
Earn 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per anniversary year.
Earn 3 points per $1 spent on Southwest Airlines purchases
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening.
Receive a 15% promo code each year on your cardmember anniversary (excludes basic fare).
Receive 6,000 bonus points each year after your Cardmember anniversary.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
Select a Standard or Preferred seat within 48 hours prior to departure, when available.
Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost. For a group of 4 this would be a savings of up to $280 roundtrip ($35 per bag per trip).
25% back on inflight purchases
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Earn 2,000 tier qualifying points (TQPs) toward A-List status for every $5,000 spent in purchases annually.
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
These come from Visa, not from Chase. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Auto Rental Collision Damage Waiver (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Travel Accident Insurance provides accidental death and dismemberment coverage. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus, terminal, etc.) and between terminals, as well as when you are at the airport immediately before departure, or immediately after arrival, on any covered trip.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Get assistance with travel planning, entertainment tickets and more.
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Southwest Rapid Rewards® Premier Business Credit CardThis card · 2x on dining | $149 | $276 | +$127 | 737th of 752 |
| Ink Business Unlimited® Credit CardChase's most-held other card · 1.5% on everything | None | $1,098 | +$1,098 | 161st of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
