Southwest Rapid Rewards Plus Business
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How we calculate effective rate →
The Southwest Rapid Rewards Plus Business from Chase earns up to 1.4% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1.4%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use Southwest Rapid Rewards the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 1x miles.
What does the Southwest Rapid Rewards Plus Business earn in each category?
Dining is the strongest category at 1.4% effective value (1x miles at about 1.4 cents each). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Southwest Rapid Rewards Plus Business compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.4% effective value (1x miles at about 1.4 cents each). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Southwest Rapid Rewards Plus Business compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1.4% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1.4% |
| Gas Gas stations and fuel | 1x miles | 1.4% |
| Travel Flights, hotels, transit | 1x miles | 1.4% |
| Other General everyday spend | 1x miles | 1.4% |
Madeen values Southwest Rapid Rewards at about 1.4 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Southwest Rapid Rewards Plus Business?
The Southwest Rapid Rewards Plus Business fits spenders who put meaningful volume in dining and can earn 1x miles. Best for spenders who put meaningful volume in dining and can earn 1x miles.
Southwest Rapid Rewards Plus Business fits spenders who put meaningful volume in dining and can earn 1x miles. Madeen ranks its dining effective rate higher than about 34% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x miles.
Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use Southwest Rapid Rewards the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1.4% effective (1x miles).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Southwest Rapid Rewards value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
Does the Southwest Rapid Rewards Plus Business have an annual fee?
The Southwest Rapid Rewards Plus Business has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Southwest Rapid Rewards Plus Business?
The Southwest Rapid Rewards Plus Business includes Anniversary Points, Extended Warranty, Lost Luggage Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty
$10,000/yrUp to 1 additional year on original manufacturer's warranty of 3 years or less.
Purchase Protection
$10,000/yrUp to $10,000 per eligible purchase within 120 days of the purchase date. Maximum of $50,000 per year, per account.
Lost Luggage Protection
$3,000/yrUp to $3,000 in coverage per passenger. Applies if you or an immediate family member check or carry on luggage that is damaged or lost by the carrier.
Rental Insurance
$25/yrCoverage for damage due to collision or theft. Must decline the rental company's collision insurance and charge the entire rental cost to your card.
Travel Insurance
$25/yrUp to $500,000 in coverage. Provides accidental death or dismemberment insurance while traveling on a common carrier, when the entire fare is charged to your eligible card.
Anniversary Points
3,000 Southwest Anniversary Points
Related encyclopedia topics
Common questions about the Southwest Rapid Rewards Plus Business
Is a Southwest business card worth it?
The Southwest Rapid Rewards Plus Business from Chase earns up to 1.4% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
Does the Southwest Rapid Rewards Plus Business have an annual fee?
The Southwest Rapid Rewards Plus Business carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Southwest Rapid Rewards Plus Business?
Dining is the strongest Madeen category for the Southwest Rapid Rewards Plus Business at about 1.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Southwest Rapid Rewards Plus Business charge foreign transaction fees?
The Southwest Rapid Rewards Plus Business does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Southwest Rapid Rewards Plus Business?
Madeen's catalog lists a typical credit range of Good for the Southwest Rapid Rewards Plus Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Southwest Rapid Rewards Plus Business?
Rewards on the Southwest Rapid Rewards Plus Business post as Southwest Rapid Rewards. Redemption value depends on how you use Southwest Rapid Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Southwest Rapid Rewards Plus Business compare to similar cards?
Compare the Southwest Rapid Rewards Plus Business against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Southwest Rapid Rewards Plus Business This card | Dining | 1.4% | $0 |
| Dining | 4.5% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure