Is the Southwest Rapid Rewards Performance Business (Chase) worth it in 2026?

Keep it+$1,617 year one

Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math.

Assumes you use every recurring credit and value points at 2.0¢. Adjust for your spend in the calculator →

The year-one math

Welcome bonus80,000 pts × 2.0¢: +$1,600
Recurring credits (if fully used): +$216
Annual fee: −$199
Year-one value: +$1,617
Ongoing (year 2+, no bonus)credits − fee: +$17

Recurring credits

Anniversary Points (9,000)$120/yr
Inflight WiFi Credits$96/yr

Apply for the Southwest Rapid Rewards Performance Business (Chase)

The application happens on Southwest Rapid Rewards's site. Then track every recurring credit — and your real keep/churn verdict — in the iOS app.

Apply for Southwest Rapid Rewards Performance Business (Chase)iOS app coming soon

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FAQ

Is the Southwest Rapid Rewards Performance Business (Chase) worth it in 2026?

Keep it. Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math. This assumes you use every recurring credit and value points at 2.0¢ — adjust both in the calculator for your own situation.

Should I cancel my Southwest Rapid Rewards Performance Business (Chase)?

Probably not on the numbers alone — the recurring credits ($216/yr) already cover the $199 fee, so it pays for itself in year 2+ if you use them.

How is "worth it" calculated?

Year-one value = welcome bonus value (points × cents-per-point) + the annualized value of the card's recurring credits − the annual fee. It's the same model the PointsCraft iOS app uses to show what your wallet is actually worth.