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VS

Compare the Features and Benefits of Southwest Rapid Rewards® Premier Credit Card and
Bilt Mastercard®

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
Trip Protections
No Foreign Transaction Fees
Free Checked Bags
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Roadside Assistance
Travel and Emergency Assistance Services
No Fees for Authorized Users
Free Access to Credit Score
Earns Transferable Points
Primary Car Rental CDW Waiver
Cell Phone Protection
Annual Fee
$99
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 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.93) 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 Premier credit card is Southwest’s mid-tier personal card. It balances offering some perks while still charging less than a $100 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 6,000 bonus points each card anniversary.

Get a better boarding position using EarlyBird Check-Ins reimbursed by your Southwest credit card. Southwest Rapid Rewards® Premier Credit Card

The Southwest Premier Card offers some of the broadest spending bonus categories of any card with an annual fee under $100. Cardholders will earn 3x points on Southwest purchases and 2x points on 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. Plus, primary cardholders earn 1,500 Tier Qualifying Points toward A-List Preferred Status for every $10,000 spent on the card each year.

The Southwest Premier Card doesn’t charge foreign transaction fees, unlike the Southwest Plus Card. Add in the higher earning rate on Southwest purchases, higher anniversary bonus, and ability to earn Tier Qualifying Points toward A-List Preferred Status, and the Premier Card easily justifies its $30 higher annual fee.

Lastly, this card is great for getting a good piece of the way to a Southwest Companion Pass with the bonus offer, since the signup bonus points 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
Trip Protections
yes
No Foreign Transaction Fees
yes
Free Checked Bags
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
yes
Earns Transferable Points
no
Primary Car Rental CDW Waiver
no
Cell Phone Protection
no
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
*
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
3x Dining Out / Food Delivery
2x Airfare
2x Car Rentals
2x Hotels
2x Cruises
1x Rent
Avg. Point Value
(Learn More)
$0.018
Bonus Offer
There's no traditional bonus offer, but you'll be eligible for Rent Day double points on the 1st of every month (excluding rent).
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.13) 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

What is Bilt?

The Bilt Mastercard® is the only credit card that lets you pay your rent with no transaction fees and earn one point per dollar in the process.

This works with any landlord, up to $100,000 in rent per year as long as you make 5 other purchases each statement period.

Bilt Transfer Partners

Bilt Transfer PartnersAll transfer at a 1:1 ratio. Transfer times below:
Alaska Airlines MileagePlanTBD
American Airlines AAdvantage®Within 1 day
Aer Lingus AviosWithin 10 minutes
Air Canada AeroplanWithin 10 minutes
Air France Flying BlueWithin 10 minutes
Avianca LifemilesWithin 10 minutes
British Airways AviosWithin 10 minutes
Cathay Pacific AsiaMilesWithin 10 minutes
Emirates SkywardsWithin 10 minutes
Hawaiian AirlinesWithin 10 minutes
Iberia AviosWithin 10 minutes
IHG RewardsWithin 10 minutes
Marriott BonvoyUp to 48 hours; generally within minutes. (5,000 point bonus when you transfer 20,000).
United Airlines MileagePlusWithin 10 minutes
Turkish Airlines Miles&SmilesWithin 10 minutes
Virgin PointsWithin 10 minutes
World of HyattWithin 10 minutes

Rent Day

On the 1st of every month, Bilt Rewards has “Rent Day” – where you’ll earn double points on dining, travel and other purchases excluding rent for purchases (up to 10,000 points each Rent Day) – for purchases made on that one day.

On Rent Day, they also have other bonuses and giveaways, which may include status trials on an airline or hotel partner or a points transfer bonus.

Summary

Overall, this card is pretty much a “must have” for renters, since there is no other way to earn points – with no transaction fees – when paying your rent.

There is also no annual fee to hold the card and no Foreign Currency Conversion Fee.

I have one myself and don’t see any reason for any renter not to have it.

Disclaimers

 

Read more
Unique Card Benefits
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Free Checked Bags
no
Secondary Car Rental CDW Waiver
no
Extended Warranty
no
Purchase Protection
no
Roadside Assistance
no
Travel and Emergency Assistance Services
no
No Fees for Authorized Users
no
Free Access to Credit Score
no
Earns Transferable Points
yes
Primary Car Rental CDW Waiver
yes
Cell Phone Protection
yes

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