Southwest Performance Business Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The Southwest Performance Business earns X on all purchases with a $299 annual fee.
1.5/5
Overall
1.0/5
Value
CompareSouthwest Performance Business vs Delta SkyMiles Blue·Southwest Performance Business vs Blue Business Cash·Southwest Performance Business vs Blue Business Plus·Southwest Performance Business vs Blue Cash Everyday·Southwest Performance Business vs Cash Magnet
Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| Everything Else | 1X pts/$ | 1.00¢ | All |
Check MCCMCC Lookup Tool
Benefits
Effective Annual Fee
Annual fee–$299
Net annual cost–$299 effective cost
Financial disclaimer: CardStack is not a financial advisor. Credit card terms, APRs, and fees are set by CHASE and subject to change. Verify all information on the issuer's website before applying.
Strengths and Weaknesses
Strengths
- No foreign transaction fees
Weaknesses
- $299 annual fee
- 1X base rate on non-bonus spending
Who This Card Is For
International Travelers
No foreign transaction fees
Frequently Asked Questions
Is the Southwest Performance Business worth $299/year?
For moderate spenders, generally yes. The Southwest Performance Business offers rewards and benefits that typically exceed the $299 annual fee for anyone who uses the bonus categories regularly.
What credit score is needed for the Southwest Performance Business?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on February 16, 2026. Full methodology: cardstack.co/methodology.