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Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

Card Details
VS
Capital One Quicksilver Student Cash Rewards Credit Card

Capital One Quicksilver Student Cash Rewards Credit Card

Card Details

Compare the Features and Benefits of Southwest Rapid Rewards® Premier Credit Card and
Capital One Quicksilver Student Cash Rewards 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
Trip Protections
No Foreign Transaction Fees
Free Access to Credit Score
Free Checked Bags
Priority Boarding
Secondary Car Rental CDW Waiver
Purchase Protection
Roadside Assistance
Travel and Emergency Assistance Services
No Fees for Authorized Users
Student Credit Card
Southwest Rapid Rewards® Premier Credit Card
Annual Fee
$149
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 Groceries

Earn 2 points for every $1 you spend at grocery stores and restaurants on the first $8,000 in combined purchases per anniversary year.

2x Dining Out / Food Delivery

Earn 2 points for every $1 you spend at grocery stores and restaurants on the first $8,000 in combined purchases per anniversary year.

1x Everything Else
Avg. Point Value
(Learn More)
$0.0125
Bonus Offer
☝ Increased Offer Earn 85,000 bonus points after spending $3,000 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 $150 annual fee.

Cardholders get access to (starting in 2026) boarding with group 5 and access to select both Standard and Preferred seats for themselves and up to 8 travel companions on the same reservation 48 hours before the flight, when available.

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

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 $5,000 spent on the card each year.

The Southwest Premier Card doesn’t charge foreign transaction fees. Add in the higher earning rate on Southwest purchases, higher anniversary bonus, and ability to earn Tier Qualifying Points toward A-List Preferred Status (which the Plus doesn’t offer), and the Premier Card easily justifies its slightly higher annual fee, although, in our opinion, the Southwest Rapid Rewards® Priority Credit Card has the best value of the three cards.

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
Extended Warranty
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes
Free Checked Bags
yes
Priority Boarding
yes
Secondary Car Rental CDW Waiver
yes
Purchase Protection
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
No Fees for Authorized Users
yes
Student Credit Card
no
Capital One Quicksilver Student Cash Rewards Credit Card
Annual Fee
$0
Avg. Min. Credit Score
580-850
Ongoing APR
18.99%-28.99% (Variable)
Balance transfers fees
Balance Transfer Fee applies to balances transferred at a promotional rate
Best Multiplier
5x Car Rentals

Only when booked through Capital One Travel; otherwise earn 1.5X

5x Hotels

Only when booked through Capital One Travel; otherwise earn 1.5X

1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
🎁 Bonus offer Earn $50 Cash Back when you spend $100 in the first three months
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4) 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

As far as student credit cards go, the Capital One Quicksilver Student Cash Rewards Credit Card is an easy choice since no student card offers a flat cash back rate that is higher.

With 1.5% cash back on everything, you’re both building your credit (so you can step up to credit cards with richer rewards after you graduate, and earning a nice return on your credit card spend.

Plus, you’ll get a small cash bonus when you meet the terms of the Early Spend Bonus with your new Quicksilver Student card.

Importantly, there’s no annual fee and this is not a secured credit card.

And you do have the opportunity to earn 5% cash back on hotels and rental card booked via Capital One Travel.

entertainment-capital-one-quicksilver-student-cash-rewards-credit-card

All around, it’s a pretty solid student credit card!

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

Learn more about these cards today

Southwest Rapid Rewards® Premier Credit Card

Card Details

Capital One Quicksilver Student Cash Rewards Credit Card

Card Details

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