At NerdWallet, we strive to assist you make economic choices with self-confidence. To do this, several or all of the products included below are from our companions. However, this doesn’t affect our examinations. Our viewpoints are our very own.

Picking a Southwest Airlines charge card can be complicated since distinctions among the 3 customer cards may seem refined at first glimpse. However you get gradually more worth from the cards with higher annual charges.

The trio of cards share a key perk: totally free frequent-flyer factors posted to your account every year. So the choice boils down to the additional value you get for the $99 annual charge of the Southwest Rapid Benefits ® Premier Charge card compared to the $69 you’ll spend for the Southwest Rapid Benefits ® And Also Credit Card — and then whether it deserves paying $149 to tip up to the Southwest Rapid Rewards ® Top Priority Credit Card.

The basics at a glimpse

Southwest Rapid Rewards ® Concern Bank Card Southwest Rapid Benefits ® Premier Credit Card Southwest Rapid Benefits ® Plus Credit Card
Read review Check out testimonial Read testimonial
Annual cost $ 149 $99 $69
Rewards 2 points per $1 invested in Southwest acquisitions as well as Quick Incentives hotel and also cars and truck rental companion purchases. 1 point per $1 spent on all various other purchases 2 points per $1 invested in Southwest purchases and Fast Rewards Hotel and also Automobile Rental Companion purchases; 1 factor per $1 spent on all various other acquisitions 2 factors per $1 spent on Southwest acquisitions and Quick Rewards Hotel and Vehicle Rental Partner purchases; 1 point per $1 spent on all various other purchases
Sign-up bonus offer Make 40,000 factors after you invest $1,000 on acquisitions in the initial 3 months your account is open. Gain 40,000 factors after you spend $1,000 on acquisitions in the first 3 months your account is open. Make 40,000 factors after you invest $1,000 on acquisitions in the initial 3 months your account is open.
Wedding anniversary points Earn 7,500 points instantly after your cardholder wedding anniversary each year. Earn 6,000 points automatically after your cardholder anniversary each year. Earn 3,000 points immediately after your cardholder anniversary every year.
Earns tier certifying factors? Yes Yes No
Foreign purchase charges None None 3%
APR The recurring APR is 17.49% – 24.49% Variable APR The recurring APR is 17.49% – 24.49% Variable APR The ongoing APR is 17.49% – 24.49% Variable APR

” EVEN MORE: Benefits of Southwest Airlines charge card

What’s different?

Annual charge

The yearly charges aren’t outrageous for any of these 3 cards when compared with some premium travel cards, but you’ll have to decide whether the higher fee deserves it for the Southwest Rapid Incentives ® Premier Bank Card or the Southwest Rapid Incentives ® Priority Charge Card. There isn’t a no-fee version of this card.

Wedding anniversary factors

This is a key distinction in advantages. The Southwest Rapid Incentives ® Premier Bank card provides you twice as several commitment points each year on your account wedding anniversary date as does the Southwest Rapid Incentives ® And Also Credit Card: 6,000 Fast Rewards points, as opposed to 3,000. NerdWallet values Rapid Incentives factors at an average of 1 cent each. At that value, the extra wedding anniversary points are worth $30 each year, making up for the difference in yearly fees between those two cards.

Wedding anniversary factors grow to 7,500 with the Southwest Rapid Benefits ® Top Priority Bank Card. While that’s insufficient worth by itself to offset the card’s yearly cost, it’s additionally not the only lucrative benefit you get with it, either.

International deal fee

If you’ll be utilizing your debt card abroad, you’ll desire one that doesn’t charge a foreign purchase charge, like the Southwest Rapid Rewards ® Premier Credit Card or the Southwest Rapid Rewards ® Concern Charge Card. The 3% cost can add up on the Southwest Rapid Incentives ® And Also Charge Card.

Tier qualifying factors

The short story below is that it’s a small benefit unless you’re a massive spender. For most, it should not sway the choice.

The two more expensive cards enable you to earn 1,500 “rate certifying points” for every $10,000 in acquisitions, approximately $100,000 annually. Tier certifying points count toward elite standing, which Southwest calls A-List or A-List Preferred. Its benefits include concern boarding and incentive benefits factors for every flight. The cheapest card makes no points towards elite condition.

Generally, certifying factors earned by the Southwest Rapid Benefits ® Premier Bank Card as well as the Southwest Rapid Benefits ® Top Priority Bank card don’t relocate the needle a lot. An added 1,500 qualifying factors for investing $10,000 would certainly make up just about 4% of your 35,000-point demand for the most affordable elite degree. And tier qualifying factors will not assist towards securing a highly desirable Buddy Pass, because those passes are gained by means of Fast Incentives points. So think about the additional tier certifying points as a modest increase to ones you gain with your regular flying on Southwest.

Priority advantages

There are factors to be lured by the most costly card, the Southwest Rapid Rewards ® Priority Credit Card. It consists of day-of-flying rewards that the other cards don’t, such as:

  • A $75 Southwest annual travel credit score, which can be used towards Southwest acquisitions such as trips, pet dog service provider costs and also various other day-of-travel purchases.
  • As much as four upgraded boardings annually, based upon schedule.
  • 20% back on in-flight purchases (including beverages, Wi-Fi, messaging and also movies).

” EVEN MORE: Southwest Airlines Rapid Benefits program: The full overview

What’s the same?

Sign-up bonuses

Bonuses for new cardmembers can transform usually, however if more expensive cards get you a bigger head start towards gaining free trips or a Buddy Pass, that’s something to consider.

Aside from the differences above, all 3 cards gain the exact same costs rewards and bill the very same APR.

Various other choices

An airline company card is not your only choice. General traveling charge card offer incentives that can be used on a selection of travel costs, not just a solitary airline. Redeeming rewards for credit rating versus a Southwest Airlines acquisition or various other traveling costs basically “eliminates” it from your balance. That makes these cards an excellent selection for individuals that spread their service around.

< div data-nw-component-type-name ="

Celebrity Ranking (Gigya)” data-nw-component-type-slug =” nw_star_rating_gigya “data-nw-product-id =” 3098″ data-nw-product-type =” credit-card” data-gigya-rating =” 1″ data-gigya-category-id=”Credit Card Reviews “data-gigya-stream-id =” Chase-Sapphire-Preferred” data-gigya-click-url=”/ card-details/card-name/Chase-Sapphire-Preferred #cardholder- reviews” > Learn More Or think about a card like the Chase Sapphire Preferred ® Card. It earns factors that can be transferred to Southwest’s Fast Incentives program at a 1:1 ratio. It has an annual fee of $95, and also it features an outstanding sign-up benefit: Make 60,000 perk points after you invest $4,000 on acquisitions in the initial 3 months from account opening. That’s $750 towards travel when you retrieve through Chase Ultimate Incentives ®

. “EVEN MORE: Southwest Fast Rewards ® Premier Credit Card vs. Chase Sapphire Preferred ® Card

What’s more, a NerdWallet study reveals lots of people would be better off with a cash-back card, instead of a traveling card of any kind of flavor.

Just how to make a decision

If you uncommitted regarding making elite condition on Southwest, will not use the card abroad and can’t stomach greater yearly charges, opt for the most inexpensive card, the Southwest Rapid Benefits ® Plus Bank Card.

A good middle option is the Southwest Rapid Incentives ® Premier Credit Card. Its greater yearly cost is adjusted by the additional wedding anniversary points it provides, presuming you utilize the factors toward a trip. It removes international deal costs and provides minor progression towards elite condition on the airline company.

Avid Southwest leaflets who value rewards on the day they fly must consider the more expensive — but potentially most financially rewarding — Southwest Rapid Rewards ® Top Priority Credit Card. It lacks some of the luxury benefits you’ll find some costs traveling charge card, however it still packs sufficient worth to counter its annual fee.

” MORE: How to make the most of the Southwest Rapid Benefits ® Premier Credit Card

Leave a Reply

Your email address will not be published. Required fields are marked *

Close