Is Southwest Credit Card Worth It?
"Earn points on every purchase and enjoy perks like free flights, hotel stays, and exclusive travel rewards with the Southwest credit card!"
If you're a frequent flyer, especially with Southwest Airlines, a Southwest credit card could be a lifesaver. The card offers great rewards, benefits, and perks for flying enthusiasts. But is it something worth getting?
Let's walk you through all you need to know about the different credit cards of Southwest, which information is available as of March 2025, and whether it's right for you.
Why choose the Southwest credit card?
The Southwest credit card offers several advantages, particularly for individuals who travel often with Southwest Airlines. Not only does it help you accumulate rewards, but it also gives you a better flying experience with desirable benefits and services.
Why Use the Southwest credit card when flying?
- Rapid Rewards Points: Get points on all purchases, which can be used to book free flights, upgrades, and special travel perks. This makes flying with Southwest more affordable and rewarding.
- Companion Pass: Some Southwest cards enable you to earn a Companion Pass, which allows a friend or family member to fly with you for free (except for taxes and fees).
- Flight Services Perks: Enjoy priority boarding, early bird check-in, and travel insurance to make your journey smooth and stress-free.
- Sign-Up Bonuses: Most Southwest credit cards offer generous sign-up bonuses, accelerating your path to free flights and exciting rewards.
For easy flight bookings and to find the best flights with Southwest Airlines, call FlyOfinder at +1-571-378-7016. Our experts are here to help you find affordable airline deals and make your travel planning quick and easy.
How does the Southwest credit card work?
The Southwest credit Card works like other airline cards. You earn Rapid Rewards points on every purchase, which you can use for Southwest flights and other rewards. The greater your spending, the greater the number of points you have, which can lead to free flights along with free upgrades.
Besides everyday spending, there are special categories, such as dining and travel, where you earn extra points for spending in those areas. Southwest cards also enable you to accrue points towards the Companion Pass, which awards you a companion ticket for only taxes and fees.
If you need assistance or have questions about your account, you can easily reach our customer service by calling the Southwest credit Card phone number. Our team will happily help with any inquiries regarding points, rewards, or your card benefits.
Read more: Things to Know Before Flying Southwest Airlines
What are the benefits of Southwest Airlines credit cards?
The Southwest credit card perks offer numerous appealing benefits, especially for frequent Southwest Airlines travelers. Prominent advantages include:
- Bonus Points: Get plenty of points for joining the credit card and points for fulfilling the first few months spending requirements.
- Companion Pass: Earn a Companion Pass and take someone along for free on any flight by Southwest.
- Annual Points Bonus: Some cards, such as the Southwest Rapid Rewards® Priority Credit card, give you bonus points annually on your card anniversary.
- No Foreign Transaction Fees: All Southwest cards have no foreign transaction fees, which is perfect for traveling abroad.
- Travel Perks: Get early check-in, priority boarding, and travel insurance perks (varies by card type).
With the advantages of Southwest credit card, you can upgrade your flight services with bonus points, a Companion Pass, and travel perks like early check-in and priority boarding — making your journeys even more rewarding.
FlyO Tip: The Southwest Companion Pass lets a friend fly free with you for a year! You only pay taxes and fees, starting at just $5.60 one-way.
What are the different Southwest credit cards & their costs?
Southwest offers five Rapid Rewards credit card options, each designed to cater to different types of travelers. Let's get into the details of the other Southwest credit card benefits and offers as of March 2025:
Personal credit Cards:
- Southwest Rapid Rewards® Plus credit card
- Annual Fee: $69
- Sign-Up Bonus: 50,000 points after spending $2,000 within the first 3 months.
- Benefits: Earn 2x points on Southwest Airlines purchases and 1x on all other purchases. This card is ideal for infrequent travelers wanting to earn Southwest points.
- Southwest Rapid Rewards® Premier credit card
- Annual Fee: $99
- Sign-Up Bonus: 50,000 points after spending $2,000 in the first 3 months.
- Benefits: Get 2x points on Southwest Airlines purchases and 1x on other purchases. This card is suited for frequent Southwest flyers who want to earn more points on their airline purchases.
- Southwest Rapid Rewards® Priority Credit Card
- Annual Fee: $149
- Sign-Up Bonus: 50,000 points after $2,000 purchases within the first 3 months.
- Benefits: Earn 2x points on Southwest Airlines purchases and 1x on all other purchases. This card also comes with a $75 Southwest travel credit annually and 7,500 anniversary points, making it great for those who want extra benefits and earning points.
Business credit Cards:
- Southwest® Rapid Rewards® Premier Business credit Card
- Annual Fee: $99
- Sign-Up Bonus: 60,000 points after spending $3,000 in the first 3 months.
- Benefits: Earn 2x points on purchases at Southwest Airlines and 1x on other purchases. This card is perfect for small business owners who frequently fly with Southwest and want to earn more points on airline-related purchases.
- Southwest® Rapid Rewards® Performance Business credit Card
- Annual Fee: $199
- Sign-Up Bonus: 80,000 points after spending $5,000 in the first 3 months.
- Benefits: Get 3x points on Southwest Airlines purchases, 2x on internet, cable, and phone services, and 1x on other purchases. This card is tailored for business travelers who want to earn more points for business-related purchases and frequent Southwest flyers.
Each of these credit cards offers valuable rewards and benefits for both personal and business travelers, helping you earn points towards free flights and other perks based on your travel habits.
FlyO Tip: The Southwest Diners Club Card comes with travel perks like lounge access, but it won’t earn you Southwest points.
How to apply for a Southwest Airlines credit card?
Applying for Southwest Airlines credit cards is an easy process that gets you closer to your next adventure. Just go to the Southwest or Chase website, where you'll see a step-by-step guide to apply. You must provide necessary personal and financial information, including your income level and Social Security number. After approval, your card will arrive via mail, and you will start earning Rapid Rewards® points immediately on all purchases. You can redeem these points for Southwest flights, hotel accommodations, and other travel-related services, making it an ideal companion for frequent travelers.
If you have any questions or need assistance with your card, contact Southwest credit card customer care for support. Additionally, for further information related to airlines and its services, you can call FlyOfinder reservations at +1-571-378-7016 for hassle-free assistance.
What are the requirements for Southwest Airlines credit cards?
- To get a Southwest credit card, you'll generally need:
- A good to excellent credit score (typically 700+).
- A stable income can help you pay off the card.
- To spend enough to meet the minimum spending requirement for the sign-up bonus.
If you're unsure of your credit score, consider checking on it before applying.
Which southwest credit card is best for Frequent Flyers?
The best card for frequent flyers varies based on how often you travel and what specific benefits you are seeking:
- Southwest Rapid Rewards Premier credit card and Southwest Rapid Rewards Priority credit card are good options for frequent flyers because they provide extra benefits like priority boarding and Companion Pass opportunities.
- If you're a business traveler, consider the Southwest® Rapid Rewards® Performance Business credit card for higher points rewards on business-related expenses.
Final Thoughts
Whether the Southwest credit card is worth it or not will depend on your travel patterns. If you are a regular traveler with Southwest Airlines, these cards can be of great value with high rewards, an opportunity to earn a Companion Pass, and other travel perks. With a number of cards available in 2025, you can get one that suits your travel aspirations and spending habits. To get better information, you just need to ring on +1-571-378-7016, which resolves all further queries.
FAQ’s
Is Southwest credit card subject to foreign transaction fees?
No, Southwest Credit cards generally do not have foreign transaction fees.
How do I cancel my Southwest credit card?
To cancel your credit card, you can go to the official website or call us at +1-571-378-7016.
What credit score do you need for a Southwest credit card?
A good credit score (typically 700 or above) is advisable.
How to utilize early bird check-in with Southwest credit card?
With some Southwest credit cards, you can automatically get early bird check-in or pay an extra fee.
Can you have more than one Southwest credit card?
Yes, you can have multiple Southwest credit cards. But you can only get one Companion Pass a year.
How much is 50,000 points on Southwest credit card?
50,000 points can be redeemed for as much as $750 in Southwest flights, depending on how you redeem them.
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About the author
Elena Porter, a passionate travel author at FlyOfinder since 2019, shares her wealth of experience to inspire and guide travelers worldwide. Known for her insightful advice, Elena offers practical tips on planning memorable trips. Her work helps readers choose the best destinations, find great airline deals, and enjoy experiences that make each journey unique.
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