Is the Southwest Premier Business Card Worth Its Annual Fee?

Josh GarberFeb 13, 2020

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If you are looking for a new credit card for your business, one card to consider is the .

The annual fee for this card is , which is within the standard range for many other travel and airline cards, including the .

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Here are some things to consider as you decide if the is worth the annual fee for you.

The easiest way to maximize your cardholder benefits is to pursue earning the welcome bonus by meeting the minimum spend requirement. Here’s the current offer:

We estimate this sign-up bonus to be worth about $840 based on .

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Even in subsequent years, there are several other features of this card that can also help make the annual fee worth it.

A unique feature of the is that you’ll receive 6,000 bonus points every year after your cardmember anniversary. This would be worth about $84 in airfare based on our valuation of these points.

When you purchase Southwest Airlines flights on your , you’ll get 2 points for every $1 spent on qualifying airfare. This can be helpful toward earning points to book your next vacation or business trip.

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If you use your to book your airfare and your baggage is delayed by at least six hours, you can be reimbursed for essentials like toiletries and clothing (up to $100 a day for three days). This can help give you peace of mind while traveling.

Luggage accidents happen. When you purchase airfare using the , if your checked or carry-on bags are damaged or lost by the carrier, you're covered for up to $3,000 per passenger (including your immediate family members). This is a great benefit to have — and like the baggage delay insurance, it can help take some of the stress out of traveling.

If you’ll earn the sign-up bonus and use these additional benefits, the annual fee could certainly be worth it for the first year.

Then, because you’ll receive 6,000 bonus points after your cardmember anniversary each year, the card is worth holding onto if you fly Southwest Airlines several times a year.

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the , including those best for:

Planning a trip? Check out these articles for more inspiration and advice:

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