Southwest® Performance Business Credit Card

Chase Visa Premium Pending

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Benefits

0

Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: southwest-performance-business-credit-card

Issuer: Chase

Card Name: Southwest® Performance Business Credit Card

Card Type: Credit

Network: Visa

Card Tier: Premium

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:20

Last Scraped: Jan 15, 2026 16:22

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Southwest Rapid Rewards Points

Base Rate: 1x

Bonus Rate: 4x

Categories: 4x Southwest Purchases, 3x Rapid Rewards Hotel & Car Rental Partners, 2x Social Media & Search Engine Advertising, 2x Internet/Cable/Phone Services

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as account is active and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None (points are redeemed directly with Southwest Airlines)

Redemption Penalties: No specific penalties for point redemption; standard fare rules apply to tickets booked with points. Points are fully refundable if the reservation is canceled.

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $100

TSA PreCheck Credit: $85

Sign-Up Bonus
PENDING

80,000

Points/Miles

Requirement: Spend $5,000 in 90 days

Timing: Bonus points typically post to your Rapid Rewards account within 6-8 weeks after meeting the spending requirement, often appearing with the statement closing cycle in which the requirement was fulfilled.

Fee Structure
PENDING
Annual Fee: $199.00
Year 1 Waived: No
Effective Annual Fee: $199.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance: Either $15 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
740 - 850
Excellent
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: To be eligible for the new cardmember bonus, applicants must satisfy the Chase 5/24 rule (opened fewer than 5 personal or business credit cards from any issuer in the past 24 months). Additionally, applicants are not eligible if they currently hold any Southwest Rapid Rewards Business Credit Card or have received a new cardmember bonus for any Southwest Rapid Rewards Business Credit Card in the past 24 months. A legitimate business (including sole proprietorship) and good-to-excellent credit are required. The typical bonus offer for 2026 is projected to be around 80,000 Rapid Rewards points after spending $5,000 on purchases in the first 3 months from account opening.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Chase cards relative to income, rapid increase in credit limits or new accounts, suspicious spending patterns (e.g., large gift card purchases, unusual velocity), bouncing payments or late payments, applying for business cards without a legitimate business, or excessive application velocity.

Cliff Effect Rules: Bonus eligibility is strictly subject to the Chase 5/24 rule and the Southwest Business Card family rule (cannot hold any Southwest business card or have received a bonus on one in the past 24 months). Failure to meet these criteria results in no bonus. Points earned from this card's new cardmember bonus *do* count towards the Southwest Companion Pass qualification (135,000 qualifying points), making it a key component for Companion Pass strategies, often combined with a personal Southwest card bonus.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.1 / 5.0

Top Positive:
Excellent rewards for Southwest flyers, valuable travel benefits like upgraded boarding and WiFi credits, strong sign-up bonus, and good for various business expenses.

Top Negative:
High annual fee, rewards are airline-specific limiting flexibility, and requires good to excellent credit for approval.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Ink Business Preferred
  • American Express Business Gold Card
  • United Business Card

Card Value Score: 88.0 / 100

Est. Annual Rewards: $1,300.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2024-01