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The Best Southwest Credit Cards of 2021

Written by on October 20, 2021

The Best Southwest Credit Cards of 2021

The Best Southwest Credit Cards of 2021

The most effective Southwest bank cards of 2021

Southwest is smaller than the “large three” US airways (American, Delta, and United), however it stays a fantastic alternative for a lot of vacationers because of customer-friendly insurance policies like two free checked luggage per buyer and no change charges. Plus, Southwest points never expire, so even when you’re not touring proper now, you do not have to fret about shedding your hard-earned rewards.

When you fly Southwest, a co-branded bank card may be a good way to earn further Speedy Rewards factors to make use of without cost flights, and the factors you earn from these playing cards also can assist you earn the Southwest Companion Pass. When you could have a Companion Cross, your designated companion can fly with you for nearly free (simply pay taxes and charges) on paid and award tickets.

Southwest has made it simpler for Speedy Rewards members to earn the Companion Pass in 2021. Usually, you’d must earn 125,000 qualifying factors in a calendar yr to unlock this profit, however all Speedy Rewards members with lively accounts as of December 31, 2020, have acquired 25,000 qualifying factors for 2021 — successfully decreasing the Companion Cross requirement to only 100,000 factors this yr.

Learn extra: The best airline credit cards in 2021

Chase points three private and two small-business Southwest Speedy Rewards bank cards. This is what to know that will help you determine which Southwest bank card is finest for you.

Chase Southwest private bank cards comparability

Southwest has three Speedy Rewards private playing cards: the Southwest Rapid Rewards® Plus Credit Card, Southwest Rapid Rewards® Premier Credit Card, and the Southwest Rapid Rewards® Priority Credit Card.

The primary main distinction you may discover between these three playing cards is of their annual charges. The Plus card costs a $69 annual charge, whereas the Premier and Precedence playing cards cost $99 and $149, respectively.

The anniversary bonuses are additionally completely different for every card:

Learn extra: Southwest Rapid Rewards Premier card review

As a part of current updates, the Southwest Rapid Rewards® Plus Credit Card and Southwest Rapid Rewards® Premier Credit Card now supply two EarlyBird Test-Ins per yr (which usually prices $15 to $25 and means that you can routinely check-in 36 hours previous to departure) and 25% again on inflight purchases.

Nonetheless, the Southwest Rapid Rewards® Premier Credit Card and Southwest Rapid Rewards® Priority Credit Card playing cards don’t cost a international transaction charge, and each playing cards can earn you Tier-Qualifying Factors (TQPs) towards Southwest A-Record standing. You will earn 1,500 TQPs for each $10,000 you spend on the playing cards in a calendar yr, and there isn’t any restrict to the variety of TQPs you possibly can earn (beforehand, there was a cap).

A-Record standing requires 35,000 TQPs earned in a calendar yr, and will get you advantages like precedence boarding and a 25% factors bonus on paid flights.

Southwest Rapid Rewards® Priority Credit Card holders get a couple of further perks (however do not obtain the EarlyBird Test-In profit):

With all three playing cards, you possibly can earn 50,000 bonus factors after spending $2,000 on purchases within the first Three months from account opening, plus 50,000 extra bonus factors after spending $12,000 whole on purchases within the first 12 months. 

Every card additionally earns bonus factors on Southwest and Speedy Rewards purchases, native transit and commuting, (together with rideshare), and web, cable, cellphone companies, and choose streaming, and 1 level per greenback spent on every little thing else.

Common APR

15.99% – 22.99% Variable

Featured Reward

50,000 bonus factors after spending $2,000 on purchases within the first Three months from account opening, plus 50,000 extra bonus factors after spending $12,000 whole on purchases within the first 12 months

Chevron icon It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

  • Professionals & Cons
  • Particulars
  • Professionals
    • Earns Southwest factors on each buy
    • You get 3,000 factors yearly after your cardmember anniversary
    Cons
    • Expenses international transaction charges
    • Very restricted advantages
    • Our greatest factors supply ever! Earn as much as 100,000 bonus factors. Earn 50,000 bonus factors after spending $2,000 on purchases within the first Three months your account is open, plus 50,000 extra bonus factors after spending $12,000 whole on purchases within the first 12 months.
    • Now get pleasure from extra advantages and extra methods to earn.
    • 3,000 anniversary factors every year.
    • Earn 2X factors on Southwest® purchases.
    • New! Earn 2X factors on native transit and commuting, together with rideshare.
    • New! Earn 2X factors on web, cable, cellphone companies, and choose streaming.
    • New! 2 EarlyBird Test-In® every year
    • All factors earned rely in direction of Companion Cross®.


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    Common APR

    15.99% – 22.99% Variable

    Featured Reward

    50,000 bonus factors after spending $2,000 on purchases within the first Three months from account opening, plus 50,000 extra bonus factors after spending $12,000 whole on purchases within the first 12 months

    Chevron icon It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

  • Professionals & Cons
  • Particulars
  • Professionals
    • You get 6,000 factors every year after anniversary
    • You may earn Tier-Qualifying Factors towards Southwest elite standing for spending on the cardboard
    Cons
    • Solely affords bonus factors on Southwest purchases
    • Our greatest factors supply ever! Earn as much as 100,000 bonus factors. Earn 50,000 bonus factors after spending $2,000 on purchases within the first Three months your account is open, plus 50,000 extra bonus factors after spending $12,000 whole on purchases within the first 12 months.
    • Now get pleasure from extra advantages and extra methods to earn.
    • 6,000 anniversary factors every year.
    • New! Earn 3X factors on Southwest® purchases.
    • New! Earn 2X factors on native transit and commuting, together with rideshare.
    • New! Earn 2X factors on web, cable, cellphone companies, and choose streaming.
    • New! 2 EarlyBird Test-In® every year.
    • All factors earned rely in direction of Companion Cross®.


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    Common APR

    15.99% – 22.99% Variable

    Featured Reward

    50,000 bonus factors after spending $2,000 on purchases within the first Three months from account opening, plus 50,000 extra bonus factors after spending $12,000 whole on purchases within the first 12 months

    Chevron icon It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

  • Professionals & Cons
  • Particulars
  • Professionals
    • Beneficiant annual advantages, together with a Southwest journey credit score and seven,500 factors, plus upgraded boardings and in-flight reductions
    • When you fly Southwest a number of occasions a yr, the advantages simply outweigh the annual charge
    • Annual charge is low in comparison with different premium airline bank cards
    Cons
    • Highest annual charge amongst Southwest client playing cards
    • Would not supply bonus factors on non-Southwest purchases
    • Our greatest factors supply ever! Earn as much as 100,000 bonus factors. Earn 50,000 bonus factors after spending $2,000 on purchases within the first Three months your account is open, plus 50,000 extra bonus factors after spending $12,000 whole on purchases within the first 12 months.
    • 7,500 anniversary factors every year.
    • Now get pleasure from extra advantages and extra methods to earn.
    • New! Earn 3X factors on Southwest® purchases.
    • New! Earn 2X factors on native transit and commuting, together with rideshare.
    • New! Earn 2X factors on web, cable, cellphone companies, and choose streaming.
    • $75 Southwest® journey credit score every year.
    • four Upgraded Boardings per yr when out there.


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    The best way to determine which Southwest bank card is best for you

    In case your principal objective for getting a Southwest Speedy Rewards bank card is to earn a sign-up bonus, the Southwest Rapid Rewards® Plus Credit Card might be a fantastic alternative. It affords the identical sign-up bonus as the opposite two playing cards and an identical earnings fee, and it has the bottom annual charge.

    Learn extra: Southwest Rapid Rewards Plus card review: Earn points for a low annual fee

    However when you plan to make use of your Rapids Rewards card for a number of years, the Southwest Rapid Rewards® Premier Credit Card and Southwest Rapid Rewards® Priority Credit Card playing cards supply higher worth. Each supply anniversary bonuses which are double or greater than what you may get with the Plus card. And the 2 dearer playing cards are higher for worldwide vacationers as a result of they do not cost international transaction charges.

    When evaluating the Premier and Precedence playing cards, the Southwest Rapid Rewards® Priority Credit Card easily comes out on top. Its higher annual fee is easily reduced by $75 in annual Southwest travel credit. It also has a better anniversary bonus and offers additional inflight perks and discounts.

    Read more: Southwest Rapid Rewards Priority card review: Earn a great welcome bonus and enjoy valuable travel perks

    In brief, when you’re in search of an airline card to earn free flights within the brief time period, you could need to select the Southwest Rapid Rewards® Plus Credit Card. In any other case, the Southwest Rapid Rewards® Priority Credit Card affords the very best long-term worth.

    Lastly, word you could’t have two private Southwest bank cards on the identical time, and you’ll’t open a brand new private Southwest card when you’ve earned a sign-up bonus on any private Southwest card throughout the final 24 months. So select your card fastidiously.

    Moreover, the entire Southwest playing cards are topic to Chase’s 5/24 rule, which implies you will not get permitted when you’ve opened 5 or extra playing cards (from any financial institution) previously 24 months.

    Southwest enterprise bank card comparability

    Common APR

    15.99% – 22.99% Variable

    Featured Reward

    60,000 factors after spending $3,000 on purchases within the first Three months from account opening

    Chevron icon It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

  • Professionals & Cons
  • Particulars
  • Professionals
    • Awards you 6,000 factors every year after your account anniversary
    • Earns 3x Southwest factors per greenback in your Southwest purchases
    Cons
    • No bonus factors on non-Southwest purchases
    • Comparatively mild advantages in comparison with different airline bank cards
    • Earn 60,000 factors after you spend $3,000 on purchases within the first Three months your account is open.
    • 6,000 bonus factors after your Cardmember anniversary.
    • New! Earn 3X factors on Southwest Airways® purchases.
    • Earn 2X factors on Speedy Rewards® lodge and automotive companions.
    • New! Earn 2X factors on rideshare.
    • 1 level per $1 spent on all different purchases.
    • New! 2 EarlyBird Test-In® every year.
    • Earn limitless tier qualifying factors in direction of A-Record standing.


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    Southwest has two co-branded enterprise bank cards: the Southwest® Rapid Rewards® Premier Business Credit Card and the Southwest® Rapid Rewards® Performance Business Credit Card.

    The Southwest® Rapid Rewards® Premier Business Credit Card costs a $99 annual charge, whereas the Efficiency Enterprise card is dearer, at $199. Nonetheless, the Southwest® Rapid Rewards® Performance Business Credit Card has a greater anniversary bonus, giving 9,000 factors on every cardmember anniversary in comparison with the 6,000 factors you may get every year with the Premier Enterprise card.

    The largest distinction between these two playing cards is their ongoing earnings potential. When you’ll earn 3x factors per greenback on Southwest purchases and 2x factors on Speedy Rewards lodge and automotive companions with the Premier Enterprise Card, you may earn 4x factors and 3x factors per greenback in these classes, respectively, with the Efficiency Enterprise card.

    And with the Southwest® Rapid Rewards® Performance Business Credit Card you may earn 2x factors per greenback on the next enterprise bills as effectively:

    • Social media and search engine promoting
    • Web, cable, and cellphone companies

    Each playing cards additionally earn 2 factors per greenback on native transit and commuting, together with rideshare, and supply as much as $500 in charge credit for factors transfers (for instance, to different members) every year.

    Learn extra: Southwest Premier Business card review: A solid bonus and perks for Southwest flyers, and points count toward the Companion Pass

    The Southwest® Rapid Rewards® Performance Business Credit Card additionally provides cardholders as much as $100 for a Global Entry or TSA Pre application fee credit, 4 upgraded boardings per yr (when out there), and inflight Wi-Fi credit. It is providing a sign-up bonus of 80,000 factors after you spend $5,000 on purchases throughout the first Three months of account opening.

    As with the private Southwest bank cards, the factors you earn from the Southwest small-business playing cards rely towards the Companion Cross.

    If your online business spends some huge cash every year on social media promoting or web, cable, and cellphone companies, you may positively need to go along with the Southwest® Rapid Rewards® Performance Business Credit Card. You might also need to select the Efficiency Enterprise card when you fly 4 or extra occasions every year. In that case, you may take full benefit of the 4 upgraded boardings per yr and among the different inflight perks.

    Nonetheless, when you do not spend some huge cash within the bonus classes, your earnings potential will drop. And when you solely fly a couple of times a yr, you could not get probably the most worth out of the extra day-of-flight advantages. 

    Learn extra: The Southwest Performance Business card offers valuable frequent-flyer perks

    When you determine the Southwest® Rapid Rewards® Performance Business Credit Card and Southwest® Rapid Rewards® Premier Business Credit Card do not make sense for you, you could need to take into account one of many client Southwest bank cards mentioned above.

    Or, as a result of you possibly can switch Chase Ultimate Rewards points to Southwest and other airline and hotel partners when you could have Chase travel cards just like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and Ink Business Preferred® Credit Card, one in every of these playing cards might be a greater choose when you worth flexibility. Nonetheless, Chase Final Rewards factors transferred to Southwest will not rely towards incomes the Southwest Companion Cross.

    Common APR

    15.99%–22.99% variable APR

    Featured Reward

    80,000 factors after you spend $5,000 on purchases throughout the first Three months of account opening

    Chevron icon It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

  • Professionals & Cons
  • Particulars
  • Professionals
    • 4x bonus factors on Southwest purchases
    • Priceless Southwest perks together with 4 upgraded boardings per yr, in-flight Wi-Fi credit, and 9,000 factors every year in your anniversary
    Cons
    • $199 annual charge is on the excessive facet
    • Earn 80,000 factors after you spend $5,000 on purchases within the first Three months.
    • 9,000 bonus factors after your Cardmember anniversary.
    • NEW! Earn 4X factors on Southwest® purchases.
    • Earn 3X factors on Speedy Rewards® lodge and automotive companions.
    • NEW! Earn 2X factors on rideshare.
    • Earn 2X factors on social media and search engine promoting, web, cable, and cellphone companies and 1X factors on all different purchases.
    • four Upgraded Boardings per yr when out there.
    • International Entry or TSA Pre✓® Payment Credit score.


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    Featured bank cards from our companions

    Featured Reward

    125,000 bonus factors and 1 free evening award (worth as much as 50,000 factors) after spending $5,000 on purchases within the first Three months from account opening

    Featured Reward

    $200 after spending $500 on purchases within the first three months from account opening

    — to www.businessinsider.com

    The post The Best Southwest Credit Cards of 2021 appeared first on Correct Success.


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