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Compare the Features and Benefits of Southwest Rapid Rewards® Plus Credit Card and
Capital One Venture X Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Extended Warranty
Purchase Protection
Trip Protections
Travel and Emergency Assistance Services
No Fees for Authorized Users
Free Access to Credit Score
Free Checked Bags
Secondary Car Rental CDW Waiver
Roadside Assistance
Airport Lounge Access
Annual Statement Credits
Primary Car Rental CDW Waiver
Grants Car Rental Status
Earns Transferable Points
No Foreign Transaction Fees
Global Entry / TSA PreCheck Reimbursement
Metal Card
Cell Phone Protection
Annual Fee
$69
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
3x Airfare

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

2x Transit
2x Cable / Internet / VOIP Phone
2x Cellular Phone Service
2x Streaming Services
1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer

Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening. Offer ends 6/26/2024

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.73) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Southwest Plus Card charges the lowest annual fee of any Southwest credit card, making it a tempting option for travelers that enjoy flying Southwest.

In exchange for the modest $69 annual fee, cardholders will be reimbursed for up to two EarlyBird Check-In purchases each year, get 25% back on inflight purchases on Southwest Airlines, plus get 3,000 bonus points each card anniversary.

Get 25% back on Southwest inflight purchases.

Cardholders earn 2 Southwest points per dollar spent in a range of spending categories, including Southwest purchases (including inflight purchases), Southwest Rapid Rewards hotel and car partners, local transit, commuting, rideshare, internet, cable, phone services, and select streaming services.

Points earned count toward earning the Southwest Companion Pass. However, Southwest Plus Credit cardholders won’t get Tier Qualifying Points toward earning A-List Status. If you want to earn Tier Qualifying Points, you’ll need to get the Southwest Priority or Premier Credit Card instead.

Southwest Plus cardholders can't earn Tier Qualifying Points on purchases

In addition, the Southwest Plus credit card charges foreign transaction fees on overseas purchases. While that might not be a problem for some travelers, international flyers may want to get the Priority or Premier Card instead.

Frequent Southwest flyers should consider the Southwest Priority Credit Card instead. Although it charges the highest annual fee of any Southwest credit card, the card offers a $75 Southwest annual travel credit, four Upgraded Boardings every cardmember anniversary, and a 7,500-point anniversary bonus. Plus, the card doesn’t charge a foreign transaction fee. Those perks more than offset the additional annual fee.

Lastly, this card is great for getting a large piece of the to a Southwest Companion Pass with the bonus offer, since the points earned from the signup bonus count. Read our guide on earning a Southwest Companion Pass for up to two years via new account bonuses.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Travel and Emergency Assistance Services
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
yes
Free Checked Bags
yes
Secondary Car Rental CDW Waiver
yes
Roadside Assistance
yes
Airport Lounge Access
no
Annual Statement Credits
no
Primary Car Rental CDW Waiver
no
Grants Car Rental Status
no
Earns Transferable Points
no
No Foreign Transaction Fees
no
Global Entry / TSA PreCheck Reimbursement
no
Metal Card
no
Cell Phone Protection
no
Annual Fee
$395
Avg. Min. Credit Score
800-850 *
Ongoing APR
19.99%-29.99% (Variable)
Balance transfers fees
Balance Transfer Fee applies to balances transferred at a promotional rate
Best Multiplier
10x Car Rentals

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10x Hotels

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

5x Airfare

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

2x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Capital One Venture X rewards credit card is an incredibly well rounded travel credit card that is easy to recommend to almost anyone. The first objection is always the annual fee, but once you see that the $300 annual travel credit and 10,000 miles anniversary bonus (worth $100 or more) nets out the annual fee, it’s much easier to go and focus on the benefits.

If you consider the annual fee to effectively be -$5 as I do based on the above though process, then you are looking a a TON of benefits for a card where you aren’t out a ton on the annual fee with nothing in return.

You’re getting Priority Pass, Plaza Premium, Capital One Lounges, and Virgin Clubhouse airport lounge access, free authorized users that get that get the same (even when not traveling with you), top tier car rental status, Global Entry (or PreCheck) fee reimbursement, the ability to earn up to 10X miles on travel booked via Capital One, primary car rental CDW, cell phone protection, Extended Warranty, Purchase Protection, and travel benefits like trip delay or trip cancellation.

travel-card-capital-one-venture-x-credit-card

See, that’s a mouthful! You would expect to be paying a massive annual fee for all of that (without credits that net it out) and in this case, you’re just not. Of course, you’ll still have to pay the $395 fee upfront, but you’ll also be able to get that early spend bonus of 75,000 miles worth at least $750. I think that offsets it nicely!

In my opinion, this card is simply one of the best travel cards around in terms of both benefits and value for money.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Travel and Emergency Assistance Services
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
yes
Free Checked Bags
no
Secondary Car Rental CDW Waiver
no
Roadside Assistance
no
Airport Lounge Access
yes
Annual Statement Credits
yes
Primary Car Rental CDW Waiver
yes
Grants Car Rental Status
yes
Earns Transferable Points
yes
No Foreign Transaction Fees
yes
Global Entry / TSA PreCheck Reimbursement
yes
Metal Card
yes
Cell Phone Protection
yes

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