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Southwest Airlines Credit Card
6 May 2019

The 3 Best Southwest Airlines Credit Card Options

In America, the national debt hit $1 trillion, and most of that is from credit cards.

Credit cards can be a great thing to use, but you need to use them smartly. One way would be to get the best credit card that will get you the most benefits, like through an airline.

Are you a frequent flyer? If you like flying Southwest, read on to find out about the best Southwest airline credit card options.

1. Southwest Rapid Rewards® Priority Credit Card

This Southwest Airlines credit card has an annual fee of $149. This may seem like a lot for a credit card, but when you compare it to other airlines’ credit cards, it seems trivial in comparison.

With this card, you will earn 2 points for every dollar you spend on Southwest and through Rapid Rewards car and hotel purchases. On everything else, you will earn 1 point for every dollar spent.

However, you will get a sign-up bonus of 40,000 points once you spend $1,000 within the first three months of opening your credit card account.

In addition to that, every year that your account is open you will earn 7,500 points on the anniversary day that you opened the account.

You can also earn tier qualifying points with this card. This lets users earn up to 1,500 points for every $10,000 they spend. These points can go towards different Southwest benefits, like upgrading boarding status or earning points for the flight.

This isn’t that big of a deal unless you spend a lot of money with the card. If you’re not planning on that, you shouldn’t let the tier points be your final factoring decision.

One bonus with this card is that there are no transaction fees when you are out of the country.

The ongoing APR for this card is between 18.24% and 25.24% Variable APR, which is way lower than what you would get on a personal loan with no credit check.

This card also has various Southwest perks attached to it, like a yearly $75 Southwest credit to use towards flights and other purchases. You also get four free boarding pass upgrades, and 20% off items on your flight.

2. Southwest Rapid Rewards® Premier Credit Card

With this card, there is a $99 yearly fee attached to it.

You will earn two points for every $1 you spend on Southwest and Rapid Reward purchases. For everything else, you’ll earn 1 point for every $1.

When you sign up for this card, you will automatically earn 40,000 points after you spend $1,000 within three months of opening the card. And every anniversary day you will earn 6,000 points.

With this card, you can also earn tier points.

There are no foreign transactions with this card either, so if you are going to be going out of the country frequently and don’t spend a lot of money, you should consider this card.

The APR for this card is also between 18.24% and 25.24% Variable APR.

3. Southwest Rapid Rewards® Plus Credit Card

This card is the lowest level card they have, and there is only a $69 annual fee.

The rewards are the same as the other two cards, and you will also earn the 40,000 bonus sign up points after three months of spending $1,000.

However, each anniversary of having the card open you will only earn 3,000 points.

This card also doesn’t have tier reward points.

There is also a foreign transaction fee attached to this card. If you travel out of the country a lot, you probably don’t want a card that has a 3% fee attached to every transaction as it will add up quickly.

The APR for this card is the same as the other two — between 18.24% and 25.24% Variable APR.

How to Choose a Southwest Airlines Credit Card

As you can see, these cards have a lot of similarities. While none of these are credit cards for bad credit, there are some good options for those of you with a good or excellent credit score.

If you don’t spend a lot of money and travel out of the country a lot, then the Premier credit card will probably be the best option for you.

If you don’t spend a lot of money and don’t travel out of the country, you should consider getting the Plus card. Make sure you learn how to set a travel notice with your card before you travel, though.

However, if you fly Southwest frequently and want those added perks, the Priority card is probably the one for you.

Get a Travel Credit Card

If you want another credit card on top of the Southwest airlines credit card, there are many options out there for you.

Depending on where you travel and how much you normally spend, it may be difficult to choose one.

Check out this blog to help you decide which card to get. Here are some other articles you might find helpful:

The ultimate First Premier Mastercard review
The pros and cons of the Delta Skymiles American Express card
Is a Fingerhut Credit Card a good option for bad credit?
The top 5 credit cards from Capital One