Southwest Airlines offers 5 credit cards in partnership with Chase. Each of these offers benefits for flying on Southwest, but two stand out above the rest for most Southwest flyers.
In this post, we’ll show you everything you need to know to compare all of the Southwest credit cards and choose the right one for you.
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Southwest credit card rewards: Earn Southwest points for purchases
All of the Southwest Airlines credit cards earn Southwest Rapid Rewards® points, which can be used to book Southwest flights at Southwest.com.
The Southwest® Rapid Rewards® Performance Business Credit Card earns the most rewards for Southwest purchases. Here’s what each card earns in its bonus categories.
| Southwest Rapid Rewards® Plus Credit Card | Southwest Rapid Rewards® Premier Credit Card | Southwest Rapid Rewards® Priority Credit Card | Southwest® Rapid Rewards® Premier Business Credit Card | Southwest® Rapid Rewards® Performance Business Credit Card | |
|---|---|---|---|---|---|
 |  |  |  |  | |
| Annual fee | $69 | $99 | $149 | $99 | $199 |
| Southwest purchases | 2x | 3x | 3x | 3x | 4x |
| Rapid Rewards® hotel and car rental partners | 2x | 2x | 2x | 2x | 3x |
| Social media and search engine advertising | – | – | – | – | 2x |
| Local transit and commuting, including rideshare | 2x | 2x | 2x | 2x | 2x |
| Internet, cable, and phone services | 2x | 2x | 2x | – | 2x |
| Select streaming services | 2x | 2x | 2x | – | – |
| All other purchases | 1x | 1x | 1x | 1x | 1x |
Southwest credit card benefits when flying on Southwest: Bonus points, better seating, and qualifying points
Most people will pick up a Southwest credit card for the benefits you’ll get when flying on Southwest. All cards offers a way to get a better seat a few times a year, plus an annual anniversary points bonus and a 25% discount on in-flight purchases on Southwest.
For Southwest flyers who fly even a few times a year, the Southwest Rapid Rewards® Priority Credit Card offers the best sweet spot of value—between the 7,500 point annual anniversary bonus and the annual $75 Southwest travel credit, you’ll get value in excess of the card’s $149 annual fee. Business travelers who would frequently purchase WiFi access on Southwest flight could potentially save money by picking up the Southwest® Rapid Rewards® Performance Business Credit Card.
| Southwest Rapid Rewards® Plus Credit Card | Southwest Rapid Rewards® Premier Credit Card | Southwest Rapid Rewards® Priority Credit Card | Southwest® Rapid Rewards® Premier Business Credit Card | Southwest® Rapid Rewards® Performance Business Credit Card | |
|---|---|---|---|---|---|
| | | | | |
| Annual fee | $69 | $99 | $149 | $99 | $199 |
| Annual anniversary bonus points | 3,000 | 6,000 | 7,500 | 6,000 | 9,000 |
| $75 annual Southwest travel credit | – | – | – | – | |
| 2 EarlyBird Check-In® each year | – | – | |||
| 4 upgraded boardings each year | – | – | – | ||
| Up to 365 inflight WiFi credits each year | – | – | – | – | |
| Earn 1,500 tier qualifying points for every $5,000 spent | – | ||||
| 10,000 Companion Pass® qualifying points boost each year | – | – | |||
| $500 fee credit for points transfers | – | – | – | ||
| 25% back on inflight purchases |
Other benefits of the Southwest cards: Travel perks and consumer insurance benefits
All of the Southwest credit cards offer a standard set of travel benefits that includes lost luggage reimbursement, baggage delay insurance, extended warranty protection and purchase protection.
The consumer insurance benefits on the business cards are slightly better—purchase protection offers $10,000 per claim coverage vs. $500/claim on the consumer cards. The Southwest® Rapid Rewards® Performance Business Credit Card also offers a credit for Global Entry, TSA PreCheck, or Nexus, up to $100 every 4 years.
Here are the benefits offered on Southwest credit cards.
| Southwest Rapid Rewards® Plus Credit Card | Southwest Rapid Rewards® Premier Credit Card | Southwest Rapid Rewards® Priority Credit Card | Southwest® Rapid Rewards® Premier Business Credit Card | Southwest® Rapid Rewards® Performance Business Credit Card | |
|---|---|---|---|---|---|
| | | | | |
| Annual fee | $69 | $99 | $149 | $99 | $199 |
| Lost luggage reimbursement | |||||
| Baggage delay insurance | |||||
| Extended warranty protection | |||||
| Purchase protection | |||||
| Trusted traveler credit | – | – | – | – | |
| 1 year DoorDash Dash Pass membership | |||||
| No foreign transaction fees | – |
Which card should I get? Our recommendations.
Which Southwest Airlines credit card or credit cards you should get depends on your objective, but there are a few clear winners in our view.
If you fly Southwest at least twice a year, the Southwest Rapid Rewards® Priority Credit Card is the card to get. Yes, the card has the highest annual fee among the personal cards, but you’ll easily use the $75 annual Southwest travel credit and you’ll get 7,500 Rapid Rewards points each year, which will get you around $100 of travel on Southwest. The value from these two perks is greater than the card’s $175 annual fee.
If you pay for WiFi on Southwest more than about 10 flights a year, get the Southwest® Rapid Rewards® Performance Business Credit Card. Between what you’ll save on WiFi and the value of the cardmember anniversary points, you’ll get more value from these two perks alone than you’ll give up by paying the card’s $199 annual fee.
If you want to get a Companion Pass from new cardmember welcome bonuses, go for one business card and one personal card. You’re only eligible to receive a welcome bonus on a Southwest card if you do not currently have a Southwest card and have not received a new cardmember welcome bonus in the past 24 months. And business and personal cards count separately, so you can get one of each. Be sure that you’ll be awarded the welcome bonuses in the same calendar year, preferably some time in January or February so that you can enjoy almost 2 full years of companion pass.
Welcome bonuses: Every Southwest card welcome bonus
We cover all of the current Southwest Airlines credit card welcome bonuses in a dedicated article, but here’s a quck summary of the welcome bonuses that are currently available.
Learn how to apply.
Annual fee: annual_fees
Southwest Rapid Rewards® Plus Credit Card sign-up bonus
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The Rapid Rewards points you earn with the Southwest Rapid Rewards® Plus card’s welcome bonus count toward the Southwest companion pass.
More about this card
Benefit highlights:
3,000 anniversary points after your cardmember anniversary each year.
25% back on all Southwest in-flight purchases.
2 EarlyBird Check-In® per year.
Rewards:
2x on Southwest Airlines purchases made directly with the airline.
2x on Rapid Rewards hotels and car rental partner purchases.
2x on local transit and commuting, including rideshare.
1x on other purchases.
Rewards are earned as Rapid Rewards points.
Learn more:
See all bonuses available for new Southwest credit cards in our overview of Southwest Airlines credit card welcome bonuses.
Learn how to apply.
Annual fee: annual_fees
Southwest® Rapid Rewards® Premier Business Credit Card sign-up bonus
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Best welcome offer we’ve ever seen on this card.
More about this card
Benefit highlights:
6,000 point account anniversary bonus.
2 EarlyBird Check-In® each year.
Earn 1,500 tier qualifying points for every $5,000 spent on the card.
Up to $500 in fee credits for point transfers.
25% back on inflight purchases.
Lost luggage reimbursement.
Baggage delay insurance.
Extended warranty protection.
Purchase protection.
No foreign transaction fees.
Rewards:
3x on Southwest purchases.
2x on Rapid Rewards® hotel and car rental partners.
2x on local transit and commuting, including rideshare.
1x on other purchases.
Rewards are earned as Rapid Rewards® points.
Learn more:
Compare this card to the other 4 Southwest credit cards to find the best card for you.
Learn how to apply.
Annual fee: $149
Southwest Rapid Rewards® Priority Credit Card sign-up bonus
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The Southwest Rapid Rewards® Priority Credit Card offers the most value for consistent Southwest Airlines flyers..
More about this card
Benefit highlights:
7,500 anniversary points after your cardmember anniversary each year.
25% back on all Southwest in-flight purchases.
4 upgraded boardings per year.
$75 annual Southwest travel credit.
1,500 tier-qualifying points for every $5,000 you spend.
No foreign transaction fees.
Rewards:
3x on Southwest Airlines purchases made directly with the airline.
2x on Rapid Rewards hotels and car rental partner purchases.
2x on local transit and commuting, including rideshare.
1x on other purchases.
Rewards are earned as Rapid Rewards points.
Learn more:
See all bonuses available for new Southwest credit cards in our overview of Southwest Airlines credit card welcome bonuses.
Learn how to apply.
Annual fee: annual_fees
Southwest® Rapid Rewards® Premier Business Credit Card sign-up bonus
bonus_miles_full
Best welcome offer we’ve ever seen on this card.
More about this card
Benefit highlights:
6,000 point account anniversary bonus.
2 EarlyBird Check-In® each year.
Earn 1,500 tier qualifying points for every $5,000 spent on the card.
Up to $500 in fee credits for point transfers.
25% back on inflight purchases.
Lost luggage reimbursement.
Baggage delay insurance.
Extended warranty protection.
Purchase protection.
No foreign transaction fees.
Rewards:
3x on Southwest purchases.
2x on Rapid Rewards® hotel and car rental partners.
2x on local transit and commuting, including rideshare.
1x on other purchases.
Rewards are earned as Rapid Rewards® points.
Learn more:
Compare this card to the other 4 Southwest credit cards to find the best card for you.
Learn how to apply.
Annual fee: annual_fees
Southwest® Rapid Rewards® Performance Business Credit Card sign-up bonus
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Currently the best welcome bonus available on any Southwest Airlines credit card.
More about this card
Benefit highlights:
9,000 point account anniversary bonus.
4 upgraded boardings each year.
Up to 365 credits toward inflight WiFi each year.
Earn 1,500 tier qualifying points for every $5,000 spent on the card.
Up to $500 in fee credits for point transfers.
25% back on inflight purchases.
Lost luggage reimbursement.
Baggage delay insurance.
Extended warranty protection.
Purchase protection.
Trusted traveler credit.
No foreign transaction fees.
Rewards:
4x on Southwest purchases.
3x on Rapid Rewards® hotel and car rental partners.
2x on social medial and search engine advertising.
2x on local transit and commuting, including rideshare.
2x on internet, cable, and phone services.
1x on other purchases.
Rewards are earned as Rapid Rewards® points.
Learn more:
See this card matched up against the other Southwest credit cards in our Southwest Airlines credit card comparison.
