Chase
Southwest Performance Business
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Card review
Southwest Performance Business
Chase
Last updated October 6, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$299
Welcome bonus
80,000 pts welcome offer
Est. net value
$445/yr
Credit score
Varies
Top earn rate
4x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Southwest Performance Business from Chase carries a $299 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $595.92 in rewards plus $148.00 in credits and perks — $444.92 net per year before welcome bonuses.
How the points work
4X on Southwest Airlines purchases
2X on social media and search engine advertising, internet, cable, and phone services
2X on local transit and commuting, including rideshare
1X on all other purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseSouthwest | 4× |
| Online shoppingInternet | 2× |
| Everything elseCable | 2× |
| Everything elsePhone Bill | 2× |
| Everything elseAdvertising | 2× |
| TransitTransit | 2× |
| Everything elseAll Purchases | 1× |
Welcome offer
80,000 points
- Spend $5,000 in 90 days
- Est. value: $800 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Global Entry$100/yr
Get one $100 statement credit for Global Entry or one $85 statement credit for TSA Pre-Check every 4 years.
Benefits & perks
- Upgrades$40/yr
Receive four reimbursements for Business Select upgrades every year.
- Tier Qualifying Points
Earn 1,500 tier qualifying points (TQPs) for each $10,000 spent annually (12 billing cycles). TQPs can help you qualify for A-List status.
- WiFi Credits$8/yr
Receive Inflight WiFi Credits for purchases of WiFi access made with your card. Credits are limited to a total of 365 $8 credits per year.
- Free Checked Bags
First and second checked bags. Weight and size limits apply.
Included, not priced
- Anniversary Points
Receive 9,000 Rapid Rewards every year after your anniversary date.
Insurance cover and point awards. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so we leave them out of the totals above.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$299
- Stated credits
- +$100
- Perks (est.)
- +$48
- Net after credits & perks
- -$151
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $299 per year.