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Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive compensation from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank offers. Commissions do not affect or prioritize placement within our Card Explorer results, and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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Southwest® Rapid Rewards® Performance Business Credit Card Southwest® Rapid Rewards® Performance Business Credit Card image
Card Details
Learn How to Apply
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Southwest® Rapid Rewards® Performance Business Credit Card

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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$299

🎁 Bonus offer

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening

Bonus points for spend in the following bonus categories:

2x
Gas Stations
Estimated Rewards Value: 2.5%

Booked directly with the hotel

2x
Hotels
Estimated Rewards Value: 2.5%

Local transit and commuting, Including rideshare

2x
Transit
Estimated Rewards Value: 2.5%

4X applies only to Southwest Airlines booked directly with Southwest; Otherwise earn 1X

1x-4x
Airfare
Estimated Rewards Value: 1.25%
1x
Everything Else
Estimated Rewards Value: 1.25%
+
 more
🔔 Notify me of bonus offer changes
  • Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available.
  • First checked bag free for you and up to 8 additional passengers in the same reservation
  • 9,000 bonus points on every cardmember anniversary

Pros

  • Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available.
  • First checked bag free for you and up to 8 additional passengers in the same reservation
  • 9,000 bonus points on every cardmember anniversary

Cons

  • The high annual fee will be hard to justify for infrequent travelers
  • Rapid Rewards points only provide a good value for Southwest flights
Annual Fee: $299
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.0125

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 19.24%-27.74% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.
Last Updated: April 23, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Southwest Rapid Rewards® Priority Credit Card Southwest Rapid Rewards® Priority Credit Card image
Card Details
Learn How to Apply
🔔 Notify me of bonus offer changes

Southwest Rapid Rewards® Priority Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.98) 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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$229

🎁 Bonus offer

Earn 60,000 bonus points after spending $2,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

2x
Gas Stations
Estimated Rewards Value: 2.5%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.5%

4X applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

1x-4x
Airfare
Estimated Rewards Value: 1.25%
1x
Everything Else
Estimated Rewards Value: 1.25%
+
 more
🔔 Notify me of bonus offer changes
  • Excellent Southwest-specific perks - including annual bonus points every cardmember anniversary.
  • Earn points toward Southwest Companion Pass and Tier Qualifying Points toward A-List and A-List Preferred Status.
  • Upgrade to Extra Legroom seat within 48 hours prior to departure when available

Pros

  • Upgrade to Extra Legroom seats within 48 hours prior to departure when available
  • 7,500 bonus points each cardmember anniversary (worth $105)
  • Preferred Seat selection at booking when available

Cons

  • $229 annual fee is the highest annual fee of any personal Southwest credit card.
  • Rapid Rewards points are only really valuable for Southwest award flights.
Annual Fee: $229
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.0125

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 19.24%-27.74% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.
Last Updated: April 23, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile Compare Cards
Southwest® Rapid Rewards® Premier Business Credit Card Southwest® Rapid Rewards® Premier Business Credit Card image
Card Details
Learn How to Apply
🔔 Notify me of bonus offer changes

Southwest® Rapid Rewards® Premier Business Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.9) 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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$149

🎁 Bonus offer

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Earn 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per anniversary year

2x
Gas Stations
Estimated Rewards Value: 2.5%

Earn 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per anniversary year

2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.5%

Earn 3X on Southwest flights booked directly; otherwise earn 1X

1x-3x
Airfare
Estimated Rewards Value: 1.25%
1x
Everything Else
Estimated Rewards Value: 1.25%
+
 more
🔔 Notify me of bonus offer changes
  • Early boarding (Group 5), First free checked bag (you and up to 8 companions, Preferred seating
  • Ability to spend toward A-List status and the Southwest Companion Pass
  • 6,000 bonus points on every cardmember anniversary

Pros

  • 6,000 bonus points on every cardmember anniversary
  • Receive a 15% promo code each year on your cardmember anniversary (Excludes Basic fare).
  • Ability to spend toward A-List status and the Southwest Companion Pass
  • Early boarding (Group 5), First free checked bag (you and up to 8 companions, Preferred seating

Cons

  • Lack of business spending rewards categories
  • Better perks and earning rates on the Southwest Performance Business Card
Annual Fee: $149
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.0125

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 19.24%-27.74% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.
Last Updated: April 23, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Southwest Rapid Rewards® Plus Credit Card Southwest Rapid Rewards® Plus Credit Card image
Card Details
Learn How to Apply
🔔 Notify me of bonus offer changes

Southwest Rapid Rewards® Plus Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.73) 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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$99

🎁 Bonus offer

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Earn 2 points for every $1 you spend at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year.

2x
Gas Stations
Estimated Rewards Value: 2.5%

Earn 2 points for every $1 you spend at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year.

2x
Supermarkets
Estimated Rewards Value: 2.5%

2X applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

1x-2x
Airfare
Estimated Rewards Value: 1.25%
1x
Everything Else
Estimated Rewards Value: 1.25%
+
 more
🔔 Notify me of bonus offer changes
  • Lowest annual fee of any of the Southwest credit cards.
  • Cardmember anniversary bonus and free checked bags more than offset the card's annual fee.
  • Group 5 Boarding + your 1st checked bag free

Pros

  • 3,000 bonus points every account anniversary
  • Lowest annual fee of any Southwest credit cards
  • Group 5 Boarding + your 1st checked bag free

Cons

  • Bonus Spending categories could be better
  • No access to extra legroom seats like with the Priority card
Annual Fee: $99
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.0125

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 19.24%-27.74% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.
Last Updated: April 23, 2026
Intro bonus:
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YBCC Card Rate Stars Empty
Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Southwest Rapid Rewards® Premier Credit Card image
Card Details
🔔 Notify me of bonus offer changes

Southwest Rapid Rewards® Premier Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.93) 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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$149

🎁 Bonus offer

Earn 55,000 bonus points after you spend $1,500 in the first 3 months from account opening

Bonus points for spend in the following bonus categories:

Earn 2 points for every $1 you spend at grocery stores and restaurants on the first $8,000 in combined purchases per anniversary year.

2x
Supermarkets
Estimated Rewards Value: 2.5%

Earn 2 points for every $1 you spend at grocery stores and restaurants on the first $8,000 in combined purchases per anniversary year.

2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.5%

3X applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

1x-3x
Airfare
Estimated Rewards Value: 1.25%
1x
Everything Else
Estimated Rewards Value: 1.25%
+
 more
🔔 Notify me of bonus offer changes
  • Get Southwest-specific benefits like complimentary Preferred seats within 48 hours prior to departure, a 15% promo code each year on your cardmember anniversary (Excludes Basic fare), and 25% back on inflight purchases.
  • First checked bag free for you and up to 8 additional passengers in the same reservation
  • Earn points toward the Southwest Companion Pass and Tier-Qualifying Points toward A-List Status and A-List Preferred Status.

Pros

  • First checked bag free for you and up to 8 additional passengers in the same reservation
  • 6,000 bonus points every account anniversary
  • Solid spending category bonus

Cons

  • Rapid Rewards points aren't valuable for anything other than flying Southwest.
  • The Southwest Priority Credit Card is likely a better fit for frequent Southwest flyers.
Annual Fee: $149
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.0125

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.
Last Updated: April 23, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Capital One Venture Business

Annual fee
$95
Point value
$0.016
Best Multiplier
2x Hotels
2x Car Rentals
+ 1 more

Bonus Offer

Limited-time offer: Earn up to 150,000 bonus miles. 75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months

Card Details How to apply
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Graphite™ Business Cash Unlimited Card

Annual fee
$295
Point value
$0.01
Best Multiplier
2x Hotels
2x Airfare
+ 1 more

Bonus Offer

Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits or at Amazon.com checkout.

Card Details How to apply
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Chase Sapphire Preferred® Card

Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Dining Out / Food Delivery
3x Streaming Services
+ 6 more

Bonus Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Card Details Learn How to Apply
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Chase Sapphire Reserve®

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
4x Airfare
4x Hotels
+ 3 more

Bonus Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

Card Details Learn How to Apply
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Chase Sapphire Reserve for Business℠

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
5x Lyft
4x Airfare
+ 4 more

Bonus Offer

Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.

Card Details Learn How to Apply
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Chase Ink Business Preferred® Credit Card

Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more

Bonus Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Card Details Learn How to Apply
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Chase Ink Business Unlimited® Credit Card

Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else

Bonus Offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 75,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Card Details Learn How to Apply
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Chase Ink Business Cash® Credit Card

Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / Phone
5x Cellular Phone Service
+ 4 more

Bonus Offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 75,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Card Details Learn How to Apply
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Bilt Palladium Card

Annual fee
$495
Point value
$0.018
Best Multiplier
0x Rent / Mortgage
2x Everyday Spend

Bonus Offer

Earn 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 3 months + $300 of Bilt Cash. Subject to approval.

Card Details Apply Now
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Bilt Obsidian Card

Annual fee
$95
Point value
$0.018
Best Multiplier
1x Supermarkets
1x Dining Out / Food Delivery
+ 2 more

Bonus Offer

Welcome offer: $200 of Bilt Cash when you apply and get approved.

Card Details Apply Now

Calculation

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Personalized rewards

Get your personalized selection of credit cards based on what you spend the most on. Use the sliders to estimate your MONTHLY spend in each category.

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