While you can use Rapid Rewards points for your flight, using a card like the Chase Sapphire Reserve® to pay this fee qualifies you for the card's travel protection coverage for the entire flight. And since using Ultimate Rewards points to book is seen as a revenue flight and not reward travel, you'll also earn points for the flight. The Southwest® Rapid Rewards® Performance Business Credit Card is my go-to card on the business side, as you can earn 4X points on Southwest® purchases; 2X points at gas stations and restaurants, hotel accommodations booked directly with the hotel, and local transit and commuting, including rideshare; plus 1X points on all other purchases.