Credit Card Reviews

Southwest Personal Credit Cards

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Are you looking to maximize your travel budget and earn free flights? A Southwest Rapid Rewards Credit Card might be the answer to reducing costs while still allowing you to visit all of the places on your list. With a range of benefits designed for frequent travelers, these cards offer an array of features that can help you fly farther and save more. From earning points towards flight purchases to earning elite status, we’ll explore how a Southwest Rapid Rewards Credit Card can unlock valuable rewards for savvy consumers.

There are three types of Southwest Rapid Rewards Credit Cards: the Plus, Premier, and Priority cards. The Plus card has a $69 annual fee and offers 2 free checked bags and no change or cancellation fees. The Premier card has a $99 annual fee and offers the ability to earn Tier Qualifying Points (TQPs). The Priority card has a $149 annual fee, also earns TQPs, offers a Global Entry or TSA Precheck reimbursement, and a $75 annual Southwest travel credit.

The Southwest Rapid Rewards Plus Credit Card, Rapid Rewards Premier Credit Card, and the Rapid Rewards Priority Credit Card all offer different benefits to their users. But here are the features all of them have in common:

  • Earn 50,000 bonus points after spending $1,000 on eligible purchases within the first 3 months of card aviation.
  • Unlimited reward seats.
  • No blackout dates.
  • Points will never expire and you not only earn points by flying with Southwest Airlines , but you can also earn points on every day purchases.
  • Earn 10,000 companion pass qualifying points per calendar year.
  • 2 points per dollar spent on Rapid Rewards hotel and car rental partner purchases, spent on local transit and commuting, including rideshare, as well as spent on internet, cable, and phone services, and select streaming.
  • 1 point per dollar on everything else (non-Southwest Airlines purchases)
  • 25% back on inflight purchases

Now for the differences between these three options:

Plus Card

  • $69 annual fee
  • 2 points per dollar on Southwest Airlines purchases
  • 3,000 points each year on your cardmember anniversary.
  • 2 Early Bird check-ins per year.

Premier Card

  • $99 annual fee
  • 3 points per dollar on Southwest Airlines purchases
  • 6,000 points each year on your cardmember anniversary.
  • 2 Early Bird check-ins per year.
  • 1,500 tier qualifying points towards A-List status for every $10,000 spent annually.
  • No foreign transaction fees

Priority Card

  • $149 annual fee
  • 3 points per dollar on Southwest Airlines purchases
  • 7,500 points each year on your cardmember anniversary.
  • 4 upgraded boardings per year.
  • 1,500 tier qualifying points towards A-List status for every $10,000 spent annually.
  • $75 Southwest annual travel credit
  • No foreign transaction fees

All three cards offer great benefits that can help you save money on travel, so it really just comes down to what you need and how often you travel with Southwest. If you’re looking to earn elite status, you’ll definitely want the Premier or Priority card for their ability to earn Tier Qualifying Points. Another factor to consider is that you’ll earn 50% more points per dollar on Southwest purchases with those two higher level cards – so if you’re purchasing travel on Southwest often, that could mean a lot more rewards than the Plus card. No matter which card you choose, you’ll be getting access to exclusive discounts and rewards that will make your travels more affordable.

Editorial Note: Information and opinions articulated in this article are solely those of the author’s, not those of a credit card company, bank, airline or hotel chain. This article has not been reviewed or approved by or otherwise endorsed by any of these companies or organizations.

Travis is a Senior Editor at Miles Junkie. An avid outdoorsman, you'll see him shredding the slopes of Colorado in the winter and cutting rounds to heat his home in the national forests during the summer. He lives with his wife and three dogs in southwest Colorado.

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