All bank cards on this finest record are researched and hand-picked by the CNET editorial employees. We repeatedly seek the advice of and work with private finance consultants to ensure our recommendation is correct and knowledgeable, however these consultants are usually not concerned in our greatest record choice course of.
In the event you journey steadily and are a fan of Southwest Airways, you may earn rewards every time you journey with Chase’s suite of Southwest Speedy Rewards bank cards.
Co-branded airline bank cards usually supply journey rewards and advantages that focus on a specific airline. On this case, Chase has partnered with Southwest to supply a collection of playing cards with particular perks that reward Southwest Airways loyalists. This card lineup contains a number of private and enterprise bank card choices, very best for journey fans and enterprise homeowners alike.
Finest Chase Southwest Speedy Rewards bank cards
CNET’S PICK
CNET Ranking
CNET charges bank cards by evaluating their presents to these of their categorical opponents. Every card is individually evaluated via a system which displays the requirements and expectations of the modern market. Bank card issuers don’t have any say or affect in our scores. How we charge bank cards
Intro Provide
Earn 50,000 factors
Earn 50,000 bonus factors after spending $1,000 on purchases within the first 3 months from account opening.
Rewards Fee
1x
– 3x
Earn 3X factors on Southwest® purchases.; Earn 2X factors on native transit and commuting, together with rideshare.; Earn 2X factors on web, cable, and cellphone companies; choose streaming.; Earn 2X factors on Speedy Rewards® resort and automotive rental companions.; Earn 1X factors on all different purchases.
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and will present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Wonderful
APR
21.49% – 28.49% Variable
Our Take
The Southwest Speedy Rewards® Precedence Credit score Card presents frequent Southwest flyers helpful perks and rewards for a number of points of journey. For a $149 annual price, cardholders rise up to $75 in Southwest journey credit annually, 25% again on inflight purchases, 7,500 bonus factors on every card anniversary and 4 upgraded boardings per 12 months when accessible. It additionally comes outfitted with a variety of journey protections to protect in opposition to unlucky circumstances like misplaced baggage or automotive hassle.
Cardholders additionally get expedited entry to Southwest’s A-Listing program by incomes 1,500 Tier Qualifying Factors for each $10,000 spent with the cardboard. A-Listing standing presents much more perks together with precedence boarding and incomes 25% additional bonus factors on qualifying flight bookings.
Along with its Southwest-centric perks, the cardboard presents rewards for purchases together with rideshares, tolls and taxis, plus with Southwest’s resort and rental automotive companions. Companions embrace Marriott Bonvoy, World of Hyatt, Hertz and Alamo. That makes it a bit extra versatile than different airline bank cards. If the annual price places you off, keep in mind you rise up to $75 in assertion credit for Southwest purchases annually, which successfully drops the annual price to $74. Which, relying on how usually you fly, is an effective worth for all the cardboard has to supply.
Extra Particulars
Intro Steadiness Switch APR
N/A
Intro Buy APR
N/A
Common APR
21.49% – 28.49% Variable
Steadiness Switch Payment
Both $5 or 5% of the quantity of every steadiness switch, whichever is larger.
Rewards Fee
3x
Earn 3X factors on Southwest® purchases.
2x
Earn 2X factors on native transit and commuting, together with rideshare.
2x
Earn 2X factors on web, cable, and cellphone companies; choose streaming.
2x
Earn 2X factors on Speedy Rewards® resort and automotive rental companions.
1x
Earn 1X factors on all different purchases.
Our Take
Extra Particulars
Rewards Fee
The Southwest Speedy Rewards® Precedence Credit score Card presents frequent Southwest flyers helpful perks and rewards for a number of points of journey. For a $149 annual price, cardholders rise up to $75 in Southwest journey credit annually, 25% again on inflight purchases, 7,500 bonus factors on every card anniversary and 4 upgraded boardings per 12 months when accessible. It additionally comes outfitted with a variety of journey protections to protect in opposition to unlucky circumstances like misplaced baggage or automotive hassle.
Cardholders additionally get expedited entry to Southwest’s A-Listing program by incomes 1,500 Tier Qualifying Factors for each $10,000 spent with the cardboard. A-Listing standing presents much more perks together with precedence boarding and incomes 25% additional bonus factors on qualifying flight bookings.
Along with its Southwest-centric perks, the cardboard presents rewards for purchases together with rideshares, tolls and taxis, plus with Southwest’s resort and rental automotive companions. Companions embrace Marriott Bonvoy, World of Hyatt, Hertz and Alamo. That makes it a bit extra versatile than different airline bank cards. If the annual price places you off, keep in mind you rise up to $75 in assertion credit for Southwest purchases annually, which successfully drops the annual price to $74. Which, relying on how usually you fly, is an effective worth for all the cardboard has to supply.
Intro Steadiness Switch APR
N/A
Intro Buy APR
N/A
Common APR
21.49% – 28.49% Variable
Steadiness Switch Payment
Both $5 or 5% of the quantity of every steadiness switch, whichever is larger.
3x
Earn 3X factors on Southwest® purchases.
2x
Earn 2X factors on native transit and commuting, together with rideshare.
2x
Earn 2X factors on web, cable, and cellphone companies; choose streaming.
2x
Earn 2X factors on Speedy Rewards® resort and automotive rental companions.
1x
Earn 1X factors on all different purchases.
CNET Ranking
CNET charges bank cards by evaluating their presents to these of their categorical opponents. Every card is individually evaluated via a system which displays the requirements and expectations of the modern market. Bank card issuers don’t have any say or affect in our scores. How we charge bank cards
Intro Provide
Earn 50,000 factors
Earn 50,000 bonus factors after spending $1,000 on purchases within the first 3 months from account opening.
Rewards Fee
1x
– 2x
Earn 2X factors on Southwest® purchases.; Earn 2X factors on native transit and commuting, together with rideshare.; Earn 2X factors on web, cable, and cellphone companies; choose streaming.; Earn 2X factors on Speedy Rewards® resort and automotive rental companions.; Earn 1X factors on all different purchases.
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and will present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Wonderful
APR
21.49% – 28.49% Variable
Our Take
The Southwest Speedy Rewards® Plus Credit score Card is the least costly providing within the Speedy Rewards household. As such, it presents the bottom rewards and fewest perks. All in all, it doesn’t supply a lot in return for its $69 annual price. You’d be higher off going with the Speedy Rewards Premier Card in case you steadily fly Southwest.
In change for its annual price, cardholders get a 25% again on inflight purchases, two EarlyBird check-in passes annually and three,000 factors yearly in your card anniversary. Aside from that, there actually isn’t an excessive amount of happening. The rewards are comparatively weak contemplating its annual price, however it does supply a pleasant collection of journey protections to assist keep away from any unlucky circumstances.
Extra Particulars
Intro Steadiness Switch APR
N/A
Intro Buy APR
N/A
Common APR
21.49% – 28.49% Variable
Steadiness Switch Payment
Both $5 or 5% of the quantity of every switch, whichever is larger.
Rewards Fee
2x
Earn 2X factors on Southwest® purchases.
2x
Earn 2X factors on native transit and commuting, together with rideshare.
2x
Earn 2X factors on web, cable, and cellphone companies; choose streaming.
2x
Earn 2X factors on Speedy Rewards® resort and automotive rental companions.
1x
Earn 1X factors on all different purchases.
Our Take
Extra Particulars
Rewards Fee
The Southwest Speedy Rewards® Plus Credit score Card is the least costly providing within the Speedy Rewards household. As such, it presents the bottom rewards and fewest perks. All in all, it doesn’t supply a lot in return for its $69 annual price. You’d be higher off going with the Speedy Rewards Premier Card in case you steadily fly Southwest.
In change for its annual price, cardholders get a 25% again on inflight purchases, two EarlyBird check-in passes annually and three,000 factors yearly in your card anniversary. Aside from that, there actually isn’t an excessive amount of happening. The rewards are comparatively weak contemplating its annual price, however it does supply a pleasant collection of journey protections to assist keep away from any unlucky circumstances.
Intro Steadiness Switch APR
N/A
Intro Buy APR
N/A
Common APR
21.49% – 28.49% Variable
Steadiness Switch Payment
Both $5 or 5% of the quantity of every switch, whichever is larger.
2x
Earn 2X factors on Southwest® purchases.
2x
Earn 2X factors on native transit and commuting, together with rideshare.
2x
Earn 2X factors on web, cable, and cellphone companies; choose streaming.
2x
Earn 2X factors on Speedy Rewards® resort and automotive rental companions.
1x
Earn 1X factors on all different purchases.
CNET Ranking
CNET charges bank cards by evaluating their presents to these of their categorical opponents. Every card is individually evaluated via a system which displays the requirements and expectations of the modern market. Bank card issuers don’t have any say or affect in our scores. How we charge bank cards
Intro Provide
Earn 50,000 factors
Earn 50,000 bonus factors after spending $1,000 on purchases within the first 3 months from account opening.
Rewards Fee
1x
– 3x
Earn 3X factors on Southwest® purchases.; Earn 2X factors on native transit and commuting, together with rideshare.; Earn 2X factors on web, cable, and cellphone companies; choose streaming.; Earn 2X factors on Speedy Rewards® resort and automotive rental companions.; Earn 1X factors on all different purchases.
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and will present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Wonderful
APR
21.49% – 28.49% Variable
Our Take
The Southwest Speedy Rewards Premier Card has a comparatively excessive annual price for what it presents. It shares so much with its upgraded model, the Speedy Rewards Precedence Card, however nothing that basically makes it price selecting over the Precedence card, regardless of having a decrease annual price.
For $99 yearly, cardholders get 25% again on inflight purchases, 6,000 anniversary factors yearly and an expedited path towards A-list standing by incomes 1,500 Tier Qualifying Factors for each $10,000 spent. A-list standing offers Southwest aficionados with precedence boarding, 25% bonus to factors and a devoted cellphone line.
The cardboard’s rewards are its strongest function, providing a strong return on not solely Southwest spending, but in addition all kinds of journey spending together with taxis, tolls, buses and extra. Nevertheless, there isn’t any journey credit score to assist reduce the blow of the annual price just like the upgraded model presents. So whereas the upgraded model has the next annual price, it’ll really present the larger worth in your cash contemplating its stronger perks
Extra Particulars
Intro Steadiness Switch APR
N/A
Intro Buy APR
N/A
Common APR
21.49% – 28.49% Variable
Steadiness Switch Payment
Both $5 or 5% of the quantity of every switch, whichever is larger.
Rewards Fee
3x
Earn 3X factors on Southwest® purchases.
2x
Earn 2X factors on native transit and commuting, together with rideshare.
2x
Earn 2X factors on web, cable, and cellphone companies; choose streaming.
2x
Earn 2X factors on Speedy Rewards® resort and automotive rental companions.
1x
Earn 1X factors on all different purchases.
Our Take
Extra Particulars
Rewards Fee
The Southwest Speedy Rewards Premier Card has a comparatively excessive annual price for what it presents. It shares so much with its upgraded model, the Speedy Rewards Precedence Card, however nothing that basically makes it price selecting over the Precedence card, regardless of having a decrease annual price.
For $99 yearly, cardholders get 25% again on inflight purchases, 6,000 anniversary factors yearly and an expedited path towards A-list standing by incomes 1,500 Tier Qualifying Factors for each $10,000 spent. A-list standing offers Southwest aficionados with precedence boarding, 25% bonus to factors and a devoted cellphone line.
The cardboard’s rewards are its strongest function, providing a strong return on not solely Southwest spending, but in addition all kinds of journey spending together with taxis, tolls, buses and extra. Nevertheless, there isn’t any journey credit score to assist reduce the blow of the annual price just like the upgraded model presents. So whereas the upgraded model has the next annual price, it’ll really present the larger worth in your cash contemplating its stronger perks
Intro Steadiness Switch APR
N/A
Intro Buy APR
N/A
Common APR
21.49% – 28.49% Variable
Steadiness Switch Payment
Both $5 or 5% of the quantity of every switch, whichever is larger.
3x
Earn 3X factors on Southwest® purchases.
2x
Earn 2X factors on native transit and commuting, together with rideshare.
2x
Earn 2X factors on web, cable, and cellphone companies; choose streaming.
2x
Earn 2X factors on Speedy Rewards® resort and automotive rental companions.
1x
Earn 1X factors on all different purchases.
CNET Ranking
CNET charges bank cards by evaluating their presents to these of their categorical opponents. Every card is individually evaluated via a system which displays the requirements and expectations of the modern market. Bank card issuers don’t have any say or affect in our scores. How we charge bank cards
Intro Provide
As much as 60,000 factors
Earn 60,000 factors after you spend $3,000 on purchases within the first 3 months your account is open.
Rewards Fee
1x
– 3x
Earn 3X pts on Southwest® purchases.; Earn 2X pts on Speedy Rewards® resort and automotive rental companions.; Earn 2X pts on native transit and commuting, together with rideshare.; Earn 1X pts on all different purchases.
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and will present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
800 – 850
Wonderful
APR
21.49% – 28.49% Variable
Our Take
The enterprise model of the Speedy Rewards Premier Card, it presents the identical rewards however barely totally different perks. Enterprise homeowners can situation worker playing cards at no extra value.
The cardboard doesn’t supply rewards for any particular enterprise bills, however it does present a return for a variety of travel-related purchases like native transit.
There aren’t many business-centric perks apart from the worker card supply, so in case you have been on the lookout for something aside from a card that rewards you for flying Southwest, maybe think about a common enterprise bank card as a substitute.
Extra Particulars
Intro Steadiness Switch APR
N/A
Intro Buy APR
N/A
Common APR
21.49% – 28.49% Variable
Steadiness Switch Payment
Both $5 or 5% of the quantity of every switch, whichever is larger.
Rewards Fee
3x
Earn 3X pts on Southwest® purchases.
2x
Earn 2X pts on Speedy Rewards® resort and automotive rental companions.
2x
Earn 2X pts on native transit and commuting, together with rideshare.
1x
Earn 1X pts on all different purchases.
Our Take
Extra Particulars
Rewards Fee
The enterprise model of the Speedy Rewards Premier Card, it presents the identical rewards however barely totally different perks. Enterprise homeowners can situation worker playing cards at no extra value.
The cardboard doesn’t supply rewards for any particular enterprise bills, however it does present a return for a variety of travel-related purchases like native transit.
There aren’t many business-centric perks apart from the worker card supply, so in case you have been on the lookout for something aside from a card that rewards you for flying Southwest, maybe think about a common enterprise bank card as a substitute.
Intro Steadiness Switch APR
N/A
Intro Buy APR
N/A
Common APR
21.49% – 28.49% Variable
Steadiness Switch Payment
Both $5 or 5% of the quantity of every switch, whichever is larger.
3x
Earn 3X pts on Southwest® purchases.
2x
Earn 2X pts on Speedy Rewards® resort and automotive rental companions.
2x
Earn 2X pts on native transit and commuting, together with rideshare.
1x
Earn 1X pts on all different purchases.
How do Southwest’s co-branded bank cards examine with different airways?
Regardless of Southwest providing all kinds of playing cards for enterprise homeowners and vacationers to select from, only a few current a sexy suite of perks to individuals exterior of the Southwest model. However that does make sense contemplating a lot of the Southwest playing cards function comparatively low annual charges. Different airways current a extra engaging supply, together with Delta, American Airways or United.
For instance, one of many finest United airways bank cards, the United℠ Explorer Card has an annual price of $95 ($0 introductory annual price for the primary 12 months) however in return presents a World Entry or TSA PreCheck software price credit score, two annual one-time passes to United’s airport lounge, precedence boarding, plus extra facilities like eating credit and late take a look at at over 1,000 properties within the Luxurious Resort & Resorts Assortment.
In the meantime, for a $99 annual price ($0 introductory annual price for the primary 12 months) the Delta SkyMiles® Gold American Specific Card presents a $100 Delta credit score after spending $10,000 in a calendar 12 months, precedence boarding, first checked bag freed from cost and a welcome supply of 40,000 miles for spending $2,000 in purchases within the first six months with the cardboard.
Cardholders get far more in return for the annual charges when in comparison with a lot of the Southwest Speedy Rewards Playing cards. Nevertheless, in case you want flying with Southwest, maybe for its lack of checked baggage charges, the Speedy Rewards Precedence Card continues to be a good selection. And don’t overlook to take a look at one of the best American Airways bank cards for extra examples.
How to decide on one of the best Southwest Speedy Rewards card
Select the cardboard that matches your journey and spending the closest. Think about the cardboard’s advisable credit score, advantages and prices.
Rewards
You’ll need the rewards to be excessive sufficient so that you could earn sufficient factors to cowl airfare. A few of the playing cards within the Southwest suite function a variety of bonus classes exterior of what you’ll earn with Southwest.
For instance, the Southwest Speedy Rewards® Precedence Credit score Card presents rewards on transit and choose streaming. In the event you’re in a position to match your spending habits to how the cardboard earns, it’ll be all the better to fund your Southwest travels.
Annual price
If the cardboard has an annual price, test to see what sort of worth you will get from its advantages. In the event that they’re price paying additional, and the cardboard matches your spending habits, it may very well be a better option than one with out an annual price.
A better annual price often interprets to raised card perks and — in some circumstances — the next welcome bonus, however you’ll need to be sure to journey sufficient all year long to benefit from the whole lot the cardboard presents. Sadly, Southwest doesn’t at the moment supply any bank cards with out an annual price.
Welcome bonus
A welcome bonus can go a good distance towards masking a card’s annual price or supplying you with a head begin to incomes sufficient rewards to make use of for airfare. You’ll simply need to be sure to can attain the bonus with out spending exterior of your funds.
A Southwest welcome bonus may additionally push you nearer to incomes a Southwest Companion Move. A companion move is actually an additional ticket so that you can give a touring companion. You possibly can earn it by flying 100 paid Southwest flights or by incomes 135,000 Companion Move qualifying factors via any mixture of flights, companion resort stays, companion automotive leases or with Speedy Rewards bank cards.
Eligibility
In the event you can’t qualify for the Southwest card you’re contemplating, take into consideration constructing your credit score earlier than making use of. Usually, this entails making on-time funds in your open accounts and utilizing your credit score restrict responsibly.
Different concerns
Most airline bank cards supply extra perks in your flights. Relying on which Southwest card you select, it could embrace annual journey credit, expedited entry to Southwest’s A-Listing program and journey protections. Most Southwest playing cards embrace 25% again for in-flight purchases.
Nevertheless, Southwest’s extra perks aren’t overly spectacular in comparison with different co-branded airline playing cards, which can supply extra facilities akin to airport lounge entry and waived charges. What they do supply are issues like upgraded boardings, free Wi-Fi and anniversary bonus miles, amongst others.
Learn how to maximize your Southwest Speedy Rewards card
To get probably the most out of your Southwest card, make sure you’re redeeming your Southwest factors for airfare and taking full benefit of any card perks like annual journey credit.
In the event you’re in a position to earn A-Listing standing, you’ll achieve much more facilities like precedence boarding and a 25% bonus to level earnings. Southwest additionally doesn’t cost any checked bag charges in your first two checked luggage, so don’t be afraid to benefit from that.
To earn A-Listing standing, you’ll must fly 25 one-way qualifying flights in a 12 months or earn 35,000 tier-qualifying factors with a Speedy Rewards card. For A-Listing Most well-liked standing, it’s 50 flights or 70,000 factors.
FAQs
What’s one of the best Southwest bank card?
One of the best Southwest bank card is the Speedy Rewards Precedence Card. It presents one of the best worth for the price. It has a $149 annual price, however it comes with a yearly Southwest assertion credit score, 7,500 anniversary factors annually, 4 upgraded boardings yearly and a big selection of journey protections. It additionally offers a excessive rewards charge for Southwest purchases.
What’s the distinction between an airline bank card and a common journey bank card?
Airline bank cards have particular perks and rewards designed across the particular airline it’s linked to. For instance, Southwest bank cards earn higher rewards charges for Southwest flight purchases and supply an inflight low cost for drinks and meals. United bank cards embrace facilities and rewards for United flights.
Normal journey bank cards, just like the Chase Sapphire Most well-liked® Card, present rewards for journey and perks that profit vacationers who fly with quite a lot of airways or stick with quite a few resort manufacturers.
What do journey playing cards offer you for the next annual price?
A better annual price on a journey bank card sometimes interprets to greater rewards and higher journey perks. The higher journey perks may embrace annual journey credit, airport lounge entry or an software price credit score for World Entry or TSA PreCheck, which can assist you breeze via airport safety traces.
Can you employ one airline bank card to pay for airfare with a distinct airline?
You possibly can, however you gained’t have entry to any of the airline-specific perks the bank card presents, and also you’ll miss out on rewards. As a substitute of incomes the next charge for purchases with the cardboard’s personal airline, you’ll as a substitute earn 1 level or mile per greenback for the acquisition typically.
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