Best Southwest Airlines Credit Cards

Card Details	The Offer	Is it Worth It?
Pros and Cons	Why 5 Stars?	Fees
Benefits

Card Details

Regular APR:	17.74 – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 2 points for every $1 you spend on Southwest Airlines? purchases Earn 1 point for every $1 you spend on all other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

• Click APPLY NOW to apply online
• 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open
• Earn 2 points for every $1 you spend on Southwest Airlines? purchases
• Earn 1 point for every $1 you spend on all other purchases
• Receive 6,000 bonus points after your cardmember anniversary
• Earn points on every purchase with no limits. Enjoy unlimited reward seats and no blackout dates
• $0 1st & 2nd checked bags
• $0 change fee
• Employee cards at no additional cost
• You’ll earn 1,500 tier qualifying points (TQPs) for each $10,000 in purchases up to $100,000 in purchases annually which equal 15,000 TQP. TQPs can be used to count toward qualification for Rapid Rewards A-List or A-List Preferred status

Is Southwest Rapid Rewards Premier Business Credit Card worth it?

Southwest Rapid Rewards Premier Business is a great card for business owners who fly Southwest. Cardholders earn 1,500 tier qualifying points for each $10,000 in purchases up to $100,000 in purchases annually which equal 15,000 TQP. The lower tier, A-list status – which gets you priority boarding and free same-day standby for an earlier flight going to the same destination among other perks – requires 35,000 tier qualifying points, so it will take more than one year to achieve this goal, but you can stack another card what earns tier qualifying points, namely the Rapid Rewards Priority Card or Rapid Rewards Premier Card, to earn faster.

You can also achieve A-list status by flying 25 one-way qualifying flights, which most people will find fits their spending more naturally. As for the value of the Rapid Rewards points you get, with Southwest Rapid Rewards points being worth about 1.5 cents per point, the bonus is worth 60,000 x $0.015 = $900 in Southwest travel.

Cardholders earn 2 Rapid Rewards points for every $1 you spend on Southwest Airlines? purchases. Points count towards the Companion Pass, which allows you to bring a friend on any Southwest flight with you for a year. This can be a big deal for companies who typically travel with multiple employees as you would be saving hundreds of dollars every flight. It takes 125,000 points to earn the pass or 100 qualifying one-way flights.

While you can’t earn Rapid Rewards points on other airlines, you can transfer points into Rapid Rewards. For example, Chase Ultimate Rewards points can be converted to Rapid Rewards Points on a 1:1 ratio. Note that you can only book rewards flights on Southwest, so we literally mean it when we say it?s for business owners who fly Southwest.

Pros

• Rapid Rewards do not expire
• Chase Ultimate Rewards points can be converted to Rapid Rewards Points on a 1:1 ratio
• Points earned count towards Companion Pass – the benefit that lets a friend fly with you free of airline charges for a year
• You?ll earn 1,500 tier qualifying points (TQPs) for each $10,000 in purchases up to $100,000 in purchases annually which equal 15,000 TQP. TQPs can be used to count toward qualification for Rapid Rewards A-List or A-List Preferred status

Cons

• Penalty APR
• $99 annual fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $15 or 5% of the amount of each transaction, whichever is greater
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel and Emergency Assistance

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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