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The Chase Southwest credit card offers
Here’s a look at the all current offers from Chase and Southwest. These offers vary throughout the year and can be combined and used to strategically to earn a Southwest Companion Pass = you can nominate an companion who will fly with you for just the taxes and fees. I’d suggest checking out the section of this article that illustrates how you could extract nearly 2 years of Companion Pass with an alternate strategy. Take a look at the 120k Southwest offer below.
The biggest differences between the cards aside from the annual fees is derived from the annual point bonus, whether you want a Southwest travel credit ( Priority ), and either EarlyBird check-in or upgraded boarding.
Personal Cards
- Southwest Rapid Rewards® Plus Credit Card
- Southwest Rapid Rewards® Premier Credit Card
- Southwest Rapid Rewards® Priority Credit Card
Business Cards
- Southwest® Rapid Rewards® Premier Business Credit Card
- Southwest® Rapid Rewards® Performance Business Credit Card
Table of Contents
Southwest Rapid Rewards® Plus Credit Card
There are three levels to Southwest cards and the Southwest Rapid Rewards® Plus credit card has the lowest annual fee but still provides that 10k Companion Pass boost, a 3000 point anniversary bonus, first checked bag, and 48 hour advance seat selection. If you’re looking to dip your toe in the Southwest credit card pool, this could be added to your wallet with lowest annual fee.
The following benefits expire Dec 31st, 2025
- Earn 2 points for every $1 you spend on Rapid Rewards hotel and car rental partners
- Earn 2 points for every $1 you spend on internet, cable, and phone services and on select streaming.
- Earn 2 points for every $1 you spend on local transit and commuting, Including rideshare
- EarlyBird Check-In® each year for 2025 flights
Southwest Rapid Rewards® Plus Credit Card
includThis is the entry level Southwest Rapid Rewards® credit card that helps ease the path to Companion Pass, includes first checked bag free, standard seat selection at 48 hours, and a 10% promo code each cardmember anniversary.
Welcome Offer:
Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening
Annual Fee
$99
Points Earned
Southwest Rapid Rewards
Benefits Expiring Dec 31st, 2025:
- Earn 2 points for every $1 you spend on Rapid Rewards hotel and car rental partners
- Earn 2 points for every $1 you spend on internet, cable, and phone services and on select streaming.
- Earn 2 points for every $1 you spend on local transit and commuting, Including rideshare
- EarlyBird Check-In® each year for 2025 flights
New Benefits:
- New: First checked bag free. Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost. For a group of 4 this would be a savings of up to $280 roundtrip ($35 per bag per trip).
- New: Standard Seat Selection within 48 hours prior to departure, when available
- New: Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins
- 3,000 points every year on your Cardmember anniversary
- Earn 2 points for every $1 you spend on Southwest Airlines® purchases
- New: Earn 2 points for every $1 you spend at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year
- Earn 1 point for every $1 you spend on all other purchases
- New: Receive a 10% promo code each year on your cardmember anniversary (Excludes Basic fare)
- 25% back on inflight purchases
- 10,000 companion Pass qualifying points boost each year
- New: No Foreign Transaction Fees
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
For $99 you can lower the requirement for Companion Pass, get free bags, select at seat at 48 hours, and get 3k points + 10% promo code on your account anniversary. Not too shabby for $99 and I’d argue a better deal than the midtier Premier card.
*You’ll get a 10k point credit toward Companion Pass meaning you’ll need to hit 125k instead of the normal 135k
Remember that you are ineligible for a Southwest personal card if you already hold one, and you won’t get the bonus if you’ve received a Southwest personal card bonus in the past 24 months.
Southwest Rapid Rewards® Premier Credit Card
This is the midrange Southwest Personal card that increases the anniversary bonus to 6000 Southwest + a 15% promo code. Personally, I think the Southwest Rapid Rewards® Priority card is a better bang for buck if you’re going to spend more on an annual fee, but this card does add some extra benefits compared to the entry level Southwest Rapid Rewards® Plus credit card.
The following benefits expire Dec 31st, 2025
- Earn 2 points for every $1 you spend on Rapid Rewards hotel and car rental partners
- Earn 2 points for every $1 you spend on internet, cable, and phone services and on select streaming.
- Earn 2 points for every $1 you spend on local transit and commuting, Including rideshare
- EarlyBird Check-In® each year for 2025 flights
Southwest Rapid Rewards® Premier Credit Card
If you’re looking for a way to expedite your pathway to the Southwest Companion Pass the Southwest Rapid Rewards® Premier Credit Card will undoubtedly help, but I’m not sure it’s worth the extra fee.
You’ll also get 6000 Southwest Rapid Rewards + 15% promo code on account anniversary
Welcome Offer:
Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening
Annual Fee
$149
Points Earned
Southwest Rapid Rewards
Benefits Expiring Dec 31st, 2025:
- Earn 2 points for every $1 you spend on Rapid Rewards hotel and car rental partners
- Earn 2 points for every $1 you spend on internet, cable, and phone services and on select streaming.
- Earn 2 points for every $1 you spend on local transit and commuting, Including rideshare
- EarlyBird Check-In® each year for 2025 flights
New Benefits:
- New: First checked bag free. Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost. For a group of 4 this would be a savings of up to $280 roundtrip ($35 per bag per trip).
- New: Preferred Seat Selection within 48 hours prior to departure, when available
- New: Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins
- 6,000 points every year on your Cardmember anniversary
- Earn 3 points for every $1 you spend on Southwest Airlines® purchases
- New: Earn 2 points for every $1 you spend at grocery stores and restaurants on the first $8,000 in combined purchases per anniversary year
- Earn 1 point for every $1 you spend on all other purchases
- New: Receive a 15% promo code each year on your cardmember anniversary (Excludes Basic fare).
- 25% back on inflight purchases
- 10,000 companion Pass qualifying points boost each year
- Earn 1,500 tier qualifying points (TQPs) toward A-List status for every $5,000 spent in purchases annually accelerating your way to A-List status
- New Fx Fees
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
This is the midrange Southwest Personal card that offers 6000 Southwest points + 15% promo code upon account anniversary and comes with a $149 annual fee – these are the two biggest differentiators between it and the entry level SWA card.
You’ll get a 10k point credit toward Companion Pass meaning you’ll need to hit 125k instead of the normal 135k
Remember that you are ineligible for a Southwest personal card if you already hold one, and you won’t get the bonus if you’ve received a Southwest personal card bonus in the past 24 months
Southwest Rapid Rewards® Priority Credit Card
If you fly Southwest quite a bit, I would hone in on this bad boy. This is the premium Southwest credit card and offers extra perks like a $75 travel credit to use on Southwest and 4 upgraded boardings a year so you can slide into the A1-A15 boarding group and it gives you 7500 Rapid Rewards on your account anniversary. It also comes with the 10k Companion Pass Point boost each year.
The following benefits expire Dec 31st, 2025
- Earn 2 points for every $1 you spend on Rapid Rewards hotel and car rental partners
- Earn 2 points for every $1 you spend on internet, cable, and phone services and on select streaming.
- Earn 2 points for every $1 you spend on local transit and commuting, Including rideshare
- EarlyBird Check-In® each year for 2025 flights
- Upgraded Boardings each year when available for 2025 flights
- $75 Southwest® annual travel credit
Southwest Rapid Rewards® Priority Credit Card
The Southwest Rapid Rewards® Priority Credit Card is the most premium Southwest credit card offering 7500 points each year you hold the card, seating upgrades 48 hours prior to departure, Preferred seat selection at booking when available, and 2500 TQPs per $5k spend to get you A-List faster.
Offer:
Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening
Annual Fee
$229
Points Earned
Southwest Rapid Rewards
The following benefits expire Dec 31st, 2025
- Earn 2 points for every $1 you spend on Rapid Rewards hotel and car rental partners
- Earn 2 points for every $1 you spend on internet, cable, and phone services and on select streaming.
- Earn 2 points for every $1 you spend on local transit and commuting, Including rideshare
- EarlyBird Check-In® each year for 2025 flights
- Upgraded Boardings each year when available for 2025 flights
- $75 Southwest® annual travel credit
New benefits:
- New: First checked bag free. Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost. For a group of 4 this would be a savings of up to $280 roundtrip ($35 per bag per trip).
- New: Preferred Seat Selection at Booking, when available
- New: Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available
- New: Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins
- 7,500 points every year on your Cardmember anniversary
- Updated: Earn 4 points for every $1 you spend on Southwest Airlines® purchases
- New: Earn 2 points for every $1 you spend at gas stations and restaurants
- Earn 1 point for every $1 you spend on all other purchases
- 25% back on inflight purchases
- 10,000 companion Pass qualifying points boost each year
- Updated: Earn 2,500 tier qualifying points (TQPs) toward A-List status for every $5,000 spent in purchases annually accelerating your way to A-List status
- No Foreign Transaction Fees
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The biggest reason you’d opt to pay the premium for this card is to have an edge on getting better seating at booking, and then cross your fingers you can upgrade 48 hours prior to departure. It does come 7500 cardmember anniversary bonus points which help offset the fee, but IMO you’re paying that extra fee for the seating perks and the TQP points you can earn on spend.
You’ll get a 10k point credit toward Companion Pass meaning you’ll need to hit 125k instead of the normal 135k
Remember that you are ineligible for a Southwest personal card if you already hold one, and you won’t get the bonus if you’ve received a Southwest personal card bonus in the past 24 months.
Southwest® Rapid Rewards® Performance Business Credit Card
This is the higher annual fee Southwest Business credit card, but you’ll earn 9000 bonus points after each cardmember anniversary & 4 upgraded boardings. If you sign up for this card alongside a Southwest personal card the points combine and help boost you to Companion Pass. Remember that Companion Pass is good during the year you achieve it as well as the year after. So if you can earn it during Jan/Feb you can get it for nearly 2 years.
Benefits that end Dec 31st, 2025
- Earn 3 points for every $1 you spend on Rapid Rewards hotel and car rental partners
- Earn 2 points for every $1 you spend social media and search engine advertising, internet, cable, and phone services
- $500 fee credit for points transfers per year
- Upgraded Boardings each year when available for 2025 flights
- Up to 365 Inflight Internet credits per year
Southwest® Rapid Rewards® Performance Business Credit Card
If you have a small business and want to earn points that help you get a Southwest Companion Pass faster – The Southwest® Rapid Rewards® Performance Business Credit Card offers preferred seating at booking, upgrades 48 hours prior to departure when available, and 9000 bonus points on your cardmember anniversary
Welcome Offer
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee
$299
Points Earned
Southwest Rapid Rewards
Benefits that end Dec 31st, 2025
- Earn 3 points for every $1 you spend on Rapid Rewards hotel and car rental partners
- Earn 2 points for every $1 you spend social media and search engine advertising, internet, cable, and phone services
- $500 fee credit for points transfers per year
- Upgraded Boardings each year when available for 2025 flights
- Up to 365 Inflight Internet credits per year
New Benefits
- New: First checked bag free. Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost. For a group of 4 this would be a savings
- up to $280 roundtrip ($35 per bag per trip).
- New: Preferred Seat Selection at Booking, when available
- New: Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available
- New: Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins
- 9,000 points every year on your Cardmember anniversary
- Earn 4 points for every $1 you spend on Southwest Airlines® purchases
- New: Earn 2 points for every $1 you spend at gas stations and restaurants
- New: Earn 2 points for every $1 you spend on hotel accommodations booked directly with the hotel
- Earn 2 points for every $1 you spend on local transit and commuting, Including rideshare
- Earn 1 point for every $1 you spend on all other purchases
- New: 25% back on inflight purchases
- 10,000 companion Pass qualifying points boost each year
- Updated: Earn 2,500 tier qualifying points (TQPs) toward A-List status for every $5,000 spent in purchases annually accelerating your way to A-List status
- Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS
- No Foreign Transaction Fees
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
This is the most premium of all the SWA credit cards and offers up 2500 TQP for every $5k in spend helping you with status. It’ll give you preferred seating at check-in, the possibility of an upgrade 48 hours in advance and 9k bonus points on your anniversary. But it also carries a $299 annual fee.
Personally I think the Business Premier is a better bang for buck, but if you fly SWA a ton, value upgrades and preferred seating, this could be worth the extra fee to you.
Remember that Companion Pass is good during the year you achieve it as well as the year after. So if you can earn it during Jan/Feb you can get it for nearly 2 years.
Southwest® Rapid Rewards® Premier Business Credit Card
This is the entry level SWA business card and is well used alongside a Southwest personal card because the points combine and help boost you to Companion Pass. This one aids you in your quest for better seating, and you’ll earn a 15% promo code + 6000 bonus points on each cardmember anniversary which makes the annual fee easier to justify.
Remember that Companion Pass is good during the year you achieve it as well as the year after. So if you can earn it during Jan/Feb you can get it for nearly 2 years.
Benefits that end Dec 31st. 2025
- Earn 2 points for every $1 you spend on Rapid Rewards hotel and car rental partners
- Earn 2 points for every $1 you spend on local transit and commuting, Including rideshare
- EarlyBird Check-In® each year for 2025 flights
- $500 fee credit for points transfers per year
Southwest® Rapid Rewards® Premier Business Credit Card
If you have a small business and want to earn points that help you get a Southwest Companion Pass faster – The Southwest® Rapid Rewards® Premier Business Credit Card offers a ton of bang for a $149 annual fee.
Welcome Offer
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening
Annual Fee
$149
Points Earned
Southwest Rapid Rewards
Benefits that end Dec 31s, 2025
- Earn 2 points for every $1 you spend on Rapid Rewards hotel and car rental partners
- Earn 2 points for every $1 you spend on local transit and commuting, Including rideshare
- EarlyBird Check-In® each year for 2025 flights
- $500 fee credit for points transfers per year
- New: First checked bag free. Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost. For a group of 4 this would be a savings of up to $280 roundtrip ($35 per bag per trip).
- New: Preferred Seat Selection within 48 hours prior to departure, when available
- New: Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins
- 6,000 points every year on your Cardmember anniversary
- Earn 3 points for every $1 you spend on Southwest Airlines® purchases
- New: Earn 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per anniversary year
- Earn 1 point for every $1 you spend on all other purchases
- New: Receive a 15% promo code each year on your cardmember anniversary (Excludes Basic fare)
- 25% back on inflight purchases
- 10,000 companion Pass qualifying points boost each year
- Updated: Earn 2,000 tier qualifying points (TQPs) toward A-List status for every $5,000 spent in purchases annually accelerating your way to A-List status
- New: No Foreign Transaction Fees
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
If you sign up for this card alongside a Southwest personal card they points combine and help boost you to Companion Pass. This one aids you in your quest for better seating, and you’ll earn a 15% promo code + 6000 bonus points on each cardmember anniversary. That helps you ease the cost of the annual fee.
Remember that Companion Pass is good during the year you achieve it as well as the year after. So if you can earn it during Jan/Feb you can get it for nearly 2 years.
You may be a small business and not even know it
If you have a side hustle, earn money from the gig economy, or even now what people are referring to as the creator economy…the odds are strongly in your favor that you qualify for a small business credit card. So many people earn money that isn’t W2 income, but they haven’t established formal LLCs or S-corps that have EIN ( Employer Identification Number), and they aren’t taking advantage of what that income opens the door to….but they can still apply and get approved for small business credit cards.
If you’re earning income on a 1099, you’re good to go. Some examples of those are…
- Online Coaches, tutors, etc
- Uber and Lyft drivers (assuming they still get 1099s whenever you’re reading this).
- DoorDash, GrubHub and Postmates
- Social Media income ( TikTok, Instagram, YouTube )
- Cater Waiters
- Personal Trainers
- Dog Walkers
- Freelance graphic designers and web designers
- Singers, artists, dancers, models, etc
- Virtual Assistants
- Ebay, Amazon and Facebook resellers
What is the Southwest Companion Pass?
It’s really pretty simple, and as I mentioned one of the topics I’m asked about most. Every single time you fly, whether you used cash or points to book your Southwest ticket, your companion flies with you free. In 2023, this requires earning 135k Qualifying Rapid Rewards points in a year in order to qualify. Note that the Southwest credit cards will come with a 10k Companion Pass credit each year.
- You still have to pay the companion taxes and fees
- You have to select the companion that will fly free with you while your companion pass is valid
- You can change who this is 3x in the year
- This is based on calendar year so you could change it 3x this year, and then again 3x in 2022
- You can make changes by calling this number 1-800-435-9792
- You can change who this is 3x in the year
How to get almost 1.5 to 2 years of the Southwest Companion Pass
Sometimes we Southwest offer large bonuses on their credit cards at the end of the year. It sets you up perfectly to land a Companion Pass for nearly 2 years and these offers are quite advantageous to make this work. How?
The Southwest Companion starts when you hit 135k miles and expires the year after the year you hit that threshold. So if you got a personal and business version of this card when they are offering more than 135k miles combined, you’d blow past 135k needed for the year you hit the spend threshold to earn the bonus, and you’d have that pass all the way through next year.
What miles counts towards the Companion Pass?
*If you transfer points from Chase to Southwest – they do not count towards Companion Pass
The following do count:
- 6x points whenever you fly
- All the credit cards shown up above earn miles that count towards Companion Pass
- The anniversary points count as well
- As do referral points
- Make sure your get drop you referrals on our Chase Refer-a-friend page
- The Southwest shopping portal + Dining Portal purchases count toward Companion Pass
Did you know there is a Southwest Shopping Portal where you can buy the stuff you may ordinarily buy online but earn Southwest points? Usually I’d advocate for using other shopping portals with higher rates of return, but when you’re aiming at the Companion Pass it will help you get there quicker and start saving on flights. You can go here
You can also reference this nifty chart to see where else you can earn Companion Pass qualifying miles.
How much are Southwest Points worth?
On average, I would say that Southwest Points rattle around 1.3 to 1.6c. You can see in this example that the wanna get away price is $168 or 10,527 points. That is roughly 1.6c. However, you can see the Business Select fare of $691 would cost you 51,309 or roughly 1.35c a point. That range puts 30k Southwest Points worth $390 to $480. At least twice the annual fee, not including the Companion Pass.
Don’t forget that the Companion Pass works on flights purchased with points. So the fare listed below that costs 10,527 points would actually fly two people.
Chase Ultimate Rewards
Don’t forget that you can shore up your Southwest balance by transferring Chase Ultimate Rewards 1:1 – this could be quite good value when flying with a Companion Pass. However, remember that these transfers don’t count toward earning your Companion Pass, they are only redeemable for flights.
Go here to see our favorite Chase Ultimate Reward earning credits cards.
Important Eligibility Info – Southwest Family restrictions
This is a strategy that Chase employs with their Sapphire cards as well, but with a little twist. While you can apply for and get approved for another Southwest personal credit card there are some rule you should be aware of:
- These cards all fall under Chase’s 5/24 rule – meaning if you have added more than 5 new credit cards in the last 24 months you won’t be approved. These are specific to your personal credit report, so most business credit cards don’t count.
- If you have received a Southwest bonus on ANY personal card in the last 24 months, you wont’ be eligible.
- If you’re currently holding a personal Chase Southwest card, you would be ineligible as well
If you’re under 5/24 and you haven’t received a personal SWA credit card bonus in the last 24 months, you should be good go to as long as you’re approved.
Overall
This is an increased Companion Pass offer for Southwest cards across the board – sometimes we have seen a 100k offer in the past as well.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Points Boost
- each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year
- Points are transferrable to 14 Ultimate Rewards partners
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.