Southwest Quick Reward Prime Minister’s Business Card Review: Complete Details

Southwest Quick Reward Prime Minister’s Business Credit Card Overview

this Southwest® RapidRewards® Premier Commercial Credit Card (See rates and fees) is an entry-level commercial credit card for airlines. It offers stable revenue rates and multiple privileges when flying southwest. The annual fee for the Prime Minister’s card is $149, making it a great choice for frugal Southwest business loyalists. Card rating*: ⭐⭐½

*Card ratings are based on the opinions of TPG editors and are not affected by the card issuer.

Airline-specific credit cards are not the first draft picks for travel credit cards, as they tend to have limited income that is only applicable to a particular airline.

However, the Southwest Quick Reward Prime Credit Card may be a good choice for small business owners who occasionally fly the Southwest.

The card has recently been refreshed with new travel day benefits and revised revenue. However, these changes increased the annual fee by 50% to $149.

Southwest Airlines is currently in full swing, including implementing baggage fees, updating its boarding process and adding allocated seats, making it a good time to hold a Southwest credit card.

Approved applicants usually have a credit score of more than 670, but a low approval score is not unheard of.

If you are considering a business card for the company’s Southwest Prime Minister, this is what you need to know.

Pros and cons of the business of the Southwest Prime Minister

Southwest Prime Minister’s Business Welcome Offer

Currently, new cardholders spend $3,000 in purchases in the first three months of opening, and can earn 60,000 points.

According to TPG’s July 2025 valuation, this offer is worth $840. This is the standard welcome offer we usually see on this card, so it’s worth waiting for an offer to increase.

In addition to the points value, remember that the welcome bonus for the Southwest greeting card calculates the partner pass qualification.

Once obtained, the partner pass is valid for the remaining year and the rest of the following year, so making money early in the calendar year will help you get the most out of your pass.

However, be sure to check your eligibility before submitting your application. Like most Chase co-brand cards, this card is subject to the pursuit of 5/24 rules.

In addition, there are restrictions on how often you will receive the Southwest welcome bonus. For example, if you have received a welcome bonus for this card in the past 24 months, you may not be eligible.

Southwest Prime Minister’s Business Welfare

this Southwest Prime Minister’s Business There is a $149 annual fee and offers quite a bit of privilege, which can make it a worthwhile card for the occasional Southwest pilot. These include:

• Two early birds checked: Cardholders accept two early birds each year. (For flights operating in 2025, as of December 31)
• 6,000th Anniversary Reward Points: On your account anniversary, Southwest will automatically award you 6,000th Anniversary Reward Points (valued up to $84, according to TPG’s July 2025 valuation). This alone can effectively cover more than half of the card’s annual fee.
• Free first check bag: Provide you with free first-time inspection bags and travel up to the same booking. (A standard first check bag costs $35, which will save a family of four on a round trip itinerary.)
• Priority boarding: Receive Group 5 priority boarding for you, up to the same booking (flights operated in 2026 and beyond). If you have A-list status, you can board with an earlier group.
• Preferred seat selection: If available, you and up to eight passengers travel on the same booking can choose your preferred seat within 48 hours of departure (for flights running in 2026 and beyond). It’s a valuable boost considering Southwest will start charging next year’s flight seating options.

• Flight discount code: Cardholders receive a promotional 15% flight discount code for each anniversary year (excluding base fare)
• Status improvement: You will spend $5,000 on the Prime Minister’s Card annually on a $5,000 bonus (there is no cap on the amount of TQP you can earn). This can help you win A-List or A-List preferred status faster.
• 10,000 companions are promoted every year through qualifying: Cardholders receive 10,000 points per year. Adding points earned from a popular offer will put you in half of your companion pass.
• Free employee card: There is no fee for additional employee cards and the original cardholder will earn points on employee expenses. Business owners can contact CardMember service to impose spending restrictions on employee cards.
• $500 fee transfer fee: Southwest Airlines will cover up to $500 a year, although the proceeds will end on December 31. The price of transferring fast bonus points to another member is usually $10 per 1,000 points, so you can transfer up to 50,000 points per year without paying the additional charge after Southwest compensation.
• No foreign transaction fees: This card is a viable option for business trips abroad.

Amid all the changes in the Southwest region, these privileges offered by the Southwest Prime Minister’s business card can help you save some money every time you fly.

Win points in Southwest Prime Minister’s business

this Southwest Prime Minister’s Business Earn:

• 3 points per dollar spent on Southwest Airlines purchases (according to TPG’s July 2025 valuation of 4.2%)
• New: The first $8,000 combined purchases per year cost 2 points per dollar at gas stations and restaurants. (Return 2.8%)
• Spend 2 points on Quick Reward Hotels and Car Rental Partners (2.8% Return; Termination; December 31)
• 2 points per dollar on local transportation and commuting, including rides (2.8% return; ended December 31)
• 1 cent per dollar for all other eligible purchases (return 1.4%)

It is important to note that current cardholders will access both new and expired bonus categories.

The increase in gas station and restaurant bonus categories was welcomed, but two additional bonus categories were removed at the end of the year, including local transit and commuting categories.

Unless you need to earn Southwest points, it’s better to put your daily business expenses on cards like this Ink Business First Choice® Credit Card (See rates and fees) or AmericanExpress® Commercial Gold Card.

Related: How to choose the best credit card for your business expenses

Redemption points for Southwest Prime Minister’s business

The main redemption option for fast reward points is Southwest flights. Southwest Airlines follows a simple redemption process: the more expensive the flight, the more it costs. There is no super value for value, but this ensures that you get a relatively consistent value for rewards.

Redemption of Southwest Point is as easy as booking a Southwest flight online. When selecting a flight to book on the carrier’s website, select Points instead of Dollars. You will then see the pricing for your trip.

Like all airline reward tickets, flights booked with Southwest points still require additional taxes and fees, which starts at $5.60. However, tickets to booking points are fully refundable and there is no cancellation penalty (as long as you can do it at least 10 minutes before the scheduled departure time).

TPG Newsletter and Partnership Editor Emily Thompson is a frequently used Southwest flyer and has multiple Southwest credit cards. She often gets points from her Southwest Prime Minister’s business by transferring her other points Chase Sapphire Priority® Card (See rates and fees) Flights.

Southwest Airlines also offers international flights, hotels and car rentals on its travel portal, but the rate is equivalent to using points on Southwest Airlines flights.

Related: How to Redeem Southwest Quick Reward Points

Which cards compete with the Southwest Prime Minister’s business?

If you want more benefits or more flexible rewards, one of these cards will be more appropriate:

For additional options, see our draft picks for the best business and airline credit cards.

Related: Is Southwest Prime Minister’s Enterprise worth the annual fee?

Bottom line

Southwest Quick Rewards Prime Minister Business Credit Card is a great choice for a loyal Southwest flyer, especially since you can work hard after you get your current welcome bonus.

However, its money-making structure and ongoing benefits are not significant, so many business owners will find other cards more suitable.

Apply here: Southwest Quick Reward Prime Minister’s Commercial Credit Card