Southwest Premier Business Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The Southwest Premier Business earns X on all purchases with a $149 annual fee.
2.2/5
Overall
2.5/5
Value
CompareSouthwest Premier Business vs Delta SkyMiles Blue·Southwest Premier Business vs Blue Business Cash·Southwest Premier Business vs Blue Business Plus·Southwest Premier Business vs Blue Cash Everyday·Southwest Premier Business vs Cash Magnet
Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| Everything Else | 1X pts/$ | 1.00¢ | All |
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Benefits
Effective Annual Fee
Annual fee–$149
Net annual cost–$149 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
- $149 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 Premier Business worth $149/year?
For moderate spenders, generally yes. The Southwest Premier Business offers rewards and benefits that typically exceed the $149 annual fee for anyone who uses the bonus categories regularly.
What credit score is needed for the Southwest Premier 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.