Michael Anderson
Sunday, September 21, 2025 at 12:53 AM EDT
Rapid Rewards® Premier Business Card
A business-friendly Southwest card with strong point-earning, notable travel perks, and status rewards—for a $149 annual fee.
- Select “Apply Now” to apply online
- Annual fee: $149
- 60,000 bonus points after $3,000 spend in first 3 months
- 6,000 anniversary points each year
- 3× points on Southwest purchases
- 2× points on gas and dining (first $8,000 per year)
- 1× points on all other purchases
- First checked bag free for up to nine passengers in same reservation
- Group 5 boarding for up to nine passengers
- 2,000 tier-qualifying points for every $5,000 spent
- 10,000 Companion Pass qualifying points per year
- No foreign transaction fees
Credit Card Review
The Rapid Rewards® Premier Business Card is built for business owners who fly often with Southwest. You earn 60,000 bonus points after spending $3,000 in the first 3 months. Every year, you also get 6,000 anniversary points to keep your rewards growing. You earn 3× points on Southwest purchases, 2× points on gas and dining (up to $8,000 per year), and 1× point on all other purchases.
Cardholders get travel perks like a free first checked bag and Group 5 boarding for you and up to eight companions. You also gain 2,000 tier-qualifying points for every $5,000 spent, plus 10,000 Companion Pass qualifying points each year. With no foreign transaction fees, it’s a reliable choice for both domestic and international business trips.
The annual fee is $99, which is offset by the anniversary points and travel perks. Points don’t expire as long as your account remains open. You can redeem rewards for flights, hotels, car rentals, and gift cards through Southwest’s program. Employee cards are free, making it easy to earn points faster. Overall, it’s best suited for loyal Southwest travelers looking to maximize business expenses.
- High bonus plus anniversary points
- Strong earning on flights, gas, and dining
- Valuable travel perks: checked bag, boarding, status boosts
- No foreign transaction fees
- $149 annual fee
- Bonus categories limited to Southwest, gas, dining
- Tier points require significant spending
How to Apply for Rapid Rewards® Premier Business Card
Check Eligibility
Confirm Rapid Rewards® Premier Business Card fits your business size and spending needs (cash flow, travel, vendor purchases, or employee cards).
Prepare Your Information
Prepare personal details plus business name, business type, revenue, years in business, and tax identification information if requested.
Apply on the Issuer Site
Use the Apply button for Rapid Rewards® Premier Business Card and complete the secure issuer application form with accurate information.
Review the Decision
Review approved credit limit, employee card options, expense tools, and reward categories before first use.
Activate and Set Up
Activate the card, connect it to accounting/expense workflows, and set controls for employees if the issuer supports them.
Alex M.
"The rewards are straightforward and the mobile app made account setup quick."
Priya R.
"Good value for regular travel purchases and useful alerts for tracking spending."
Jordan T.
"The category rewards helped us reduce yearly grocery and gas costs more than expected."
Eligibility & Requirements
These are general credit card requirements. Exact approval criteria, minimum credit profile, and verification steps vary by issuer and product.
Age & Residency
Applicants are generally expected to be at least 18 years old (19 in some states) and provide a valid U.S. residential address.
Identity Verification
Most issuers require legal name, date of birth, Social Security number or ITIN, and contact details for identity checks.
Income Information
You may need to report total annual income, employment status, and housing payment so the issuer can evaluate repayment ability.
Credit Profile
Approval usually depends on your credit history, recent inquiries, and current debt levels. Required score range varies by issuer.
Application Accuracy
Details should match official records and your credit file to avoid extra verification steps or decision delays.
Final Issuer Decision
Meeting baseline criteria does not guarantee approval. Terms, limit, APR, and fees are determined by the issuer after review.
Common Questions
How do I apply for Rapid Rewards® Premier Business Card?+
Use the Apply button on this page to go to the issuer site, complete the application with accurate personal and income details, and submit for a decision.
Can I get an instant decision for Rapid Rewards® Premier Business Card?+
Many issuers provide an instant approval or pending message right away, but some applications are manually reviewed and can take longer.
Can I apply for Rapid Rewards® Premier Business Card as a sole proprietor?+
Many business cards allow sole proprietor applications using personal information plus basic business details, but issuer requirements vary.
Will applying for Rapid Rewards® Premier Business Card affect my personal credit?+
Most issuers check personal credit when you apply for a business card, so a hard inquiry may appear on your personal credit report.
What details should I have ready for Rapid Rewards® Premier Business Card?+
Prepare business name, business type, estimated revenue, time in business, and your personal guarantor information if requested.
More Cards
Trending Insights
Discover the smartest credit card solutions designed to simplify payments and reward your lifestyle