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VS

Compare the Features and Benefits of Southwest Rapid Rewards® Premier Credit Card and
Capital One SavorOne 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 Checked Bags
Secondary Car Rental CDW Waiver
Purchase Protection
Roadside Assistance
Travel and Emergency Assistance Services
No Fees for Authorized Users
Free Access to Credit Score
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
Extended Warranty
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Free Checked Bags
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
Free Access to Credit Score
yes
Annual Fee
$0
Avg. Min. Credit Score
580-850 *
Ongoing APR
19.99%-29.99% (Variable)
Balance transfers fees
Balance Transfer Fee applies to balances transferred at a promotional rate
Best Multiplier
5x Car Rentals
5x Hotels
3x Dining Out / Food Delivery
1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
You’ll earn $50 after you spend $100 in your first three months.
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

As far as student credit cards go, the Capital One SavorOne Student Cash Rewards Credit Card is a winner.

It’s got the most bonus categories of any student cash back rewards credit card, with 8% cash back for Entertainment booked through Capital One Entertainment, 5% cash back on travel booked via Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target) and 1% cash back on all other eligible purchases.

grocery-stores-capital-one-savorone-student-cash-rewards-credit-card

You’ll also get a small cash bonus when you meet the terms of the Early Spend Bonus with your new card.

Most importantly, you’ll be building credit while also earning valuable rewards with no annual fee.

If you don’t spend a lot on dining, entertainment, streaming services and at grocery stores, you might prefer the Capital One Quicksilver Student Cash Rewards Credit Card, which lacks bonus categories but earns 1.5% cash back on all eligible purchases – 0.5% more than the Savor One Student credit card on non-bonused spend.

In short, it’s one of the best student credit cards around.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Free Checked Bags
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
Free Access to Credit Score
no

Learn more about these cards today

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