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Compare the Features and Benefits of Southwest® Rapid Rewards® Performance Business Credit Card and
Chase Freedom Flex Review

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Extended Warranty
Purchase Protection
Trip Protections
Primary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Annual Statement Credits
Roadside Assistance
Free Checked Bags
Travel and Emergency Assistance Services
Does Not Report Credit Line to Personal Credit Profile
No Foreign Transaction Fees
No Fees for Authorized Users
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
Secondary Car Rental CDW Waiver
Free Access to Credit Score
Annual Fee
$199
Avg. Min. Credit Score
670-850 *
APR on purchases
-
APR on balance transfers
-
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Best Multiplier
4x Airfare

Applies only to Southwest Airlines booked directly with Southwest; Otherwise earn 1X

2x Cable / Internet / VOIP Phone
2x Cellular Phone Service
1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer
Get 80,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Southwest Rapid Rewards Performance Business Credit Card should be the go-to card for Southwest frequent travelers that own a small business. Don’t let the $199 annual fee scare you off. This card comes packed with perks that can easily justify that fee.

Southwest-specific perks include four Upgraded Boardings each year, virtually unlimited inflight WiFi passes, and the ability to spend toward A-List status. Plus cardholders get premium travel perks like a Global Entry or TSA PreCheck application fee statement credit.

Cardholders earn 4x Rapid Rewards points on Southwest Airlines purchases. That’s a higher rewards earning rate on Southwest purchases than you’ll find on any other Southwest credit card. Plus you’ll earn 3x points on Rapid Rewards hotel and car rental partners.

However, this card doesn’t just reward travel purchases. Cardholders earn 2x Southwest Rapid Rewards points on a wide range of purchases, including social media and search engine advertising; internet, cable, and phone services; transit and commuting, including ride-hailing services. Earn points on all other purchases at a rate of 1 Rapid Rewards point per dollar spent.

Enjoy Upgraded Boardings, free WiFi, and more on Southwest Airlines through the Southest Performance Business Card

Cardholders will earn 1,500 tier qualifying points toward A-List status for every $10,000 spent on purchases annually. While you probably don’t want to put that much spending on the card, you can conceivably spend all the way to A-List Preferred status by spending $470,000 on the card in a calendar year.

The only real downside to this card is the limited redemption options. The best way to redeem Rapid Rewards points is for Southwest flights. And since the Rapid Rewards structure is a fixed-value program, you won’t get more value from some flights than others. The good news is that means there are no blackout dates when you want to redeem points.

You can add employee cards for no additional cost, meaning you can be rewarded for employee spending. The card also offers up to a $500 statement credit for points transfers. That means you can transfer points to employees without additional cost.

Lastly, this card is great for getting more than halfway to a Southwest Companion Pass with the bonus offer. Read our guide on earning a Southwest Companion Pass for up to two years via new account bonuses.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Primary Car Rental CDW Waiver
yes
Global Entry / TSA PreCheck Reimbursement
yes
Annual Statement Credits
yes
Roadside Assistance
yes
Free Checked Bags
yes
Travel and Emergency Assistance Services
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
Secondary Car Rental CDW Waiver
no
Free Access to Credit Score
no
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 15 months, 19.24%-27.99% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 15 months, 19.24%-27.99% thereafter)
Ongoing APR
19.24%-27.99% (Variable)
Balance transfers fees
-
Best Multiplier
5x Airfare

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.

5x Hotels

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.

5x Car Rentals

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.

5x Lyft
3x Dining Out / Food Delivery
3x Drugstores
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months. PLUS Earn 5% cash back on combined gas station and grocery store purchases (not including Target® and Walmart®) on up to $12,000 spent in the first year.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

This is a primary card in the Chase Trifecta, which includes a Chase Sapphire Preferred or Chase Sapphire Reserve, a Chase Freedom Unlimited, and this card, the Chase Freedom Flex. You’ll earn 3% on dining and drugstore purchases with the Freedom Flex. But whereas the Freedom Unlimited gives you 1.5% cash back on other spend categories, The Flex earns only 1%. That is because it has the rotating 5% bonus categories.

The rotating bonus categories each quarter can be fantastic. Amazon is a popular choice, meaning you’d earn 7,500 Ultimate Rewards points ($75) if you spent $1,500 during that quarter.

amazon-chase-freedom-flex

Since the Chase Freedom Flex is a pure cash back credit card unless you also have a Chase Sapphire Preferred®, Sapphire Reserve®, or Ink Business Preferred® with which to combine your Chase Ultimate Rewards points, it’s ideally used as part of a combo.

When you hold one of these premium Ultimate Rewards-earning credit cards, you can transfer points earned on the Freedom Flex to the premium card. Once you’ve moved the Ultimate Rewards over to the premium credit card, you can take advantage of points transfers to 12 Chase airline and hotel partners or book travel through the travel portal.

Best of all, you can accrue cash back on this card and decide to add a Chase Sapphire Preferred®, Sapphire Reserve®, or Ink Business Preferred® later on – if you suddenly decide that you’d like to delve into the world of credit card rewards that transfer to frequent flyer and hotel programs to book free award flights and hotel nights.

If you book through the travel portal and have a Sapphire Reserve, your points redeem for 1.5 cents each, meaning that you earn 1.5X points or cash back per dollar and redeem them for 1.5X, giving you an effective 2.25% return on your spend.

If you book through the travel portal and have a Sapphire Preferred, or Ink Business Preferred, your points redeem for 1.25 cents each, meaning that you earn 1.5X per dollar and redeem for 1.5X, giving you an effective 1.875% return on your spend.

But our absolute favorite way to redeem is always via airline and hotel transfer partners. The easiest high-value redemption is usually Hyatt. We often get better than 2 cents per World of Hyatt point. Keep in mind that Hyatt doesn’t charge any resort fees when you stay on a free night award. So let’s say you are looking at a hotel with a cash price of $259 and a $25 a night resort fee and 8% tax. That would come to $307 a night. But if that same room costs 8,000 or 12,000 Hyatt points, you could be using your points (which transfer at an even 1:1 ratio to all airline and hotel partners) with a rate of return of 3 – 4 cents.

To be clear, if you don’t also have a Chase Sapphire Preferred®, Sapphire Reserve®, or Ink Business Preferred®, the rewards earned with the Chase Freedom Flex are purely cash back rewards.

That said, even without a card combo, it’s still a solid card to earn cash back, including 3% on dining , including takeout and eligible delivery services, and drugstores) since it has no annual fee.

The Chase Freedom Flex credit card comes with a solid range of benefits for a card with no annual fee. You’ll get Purchase Protection and Extended Warranty on the shopping side and you’ll be taken care of on canceled or shortened pre-paid trips if a covered reason arises. with the included Trip Cancellation/Interruption Insurance.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Primary Car Rental CDW Waiver
no
Global Entry / TSA PreCheck Reimbursement
no
Annual Statement Credits
no
Roadside Assistance
no
Free Checked Bags
no
Travel and Emergency Assistance Services
no
Does Not Report Credit Line to Personal Credit Profile
no
No Foreign Transaction Fees
no
No Fees for Authorized Users
no
0% Intro APR on Purchases
yes
0% Intro APR on Balance Transfers
yes
Secondary Car Rental CDW Waiver
yes
Free Access to Credit Score
yes

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