Wells Fargo Reflect Credit Card vs Southwest Rapid Rewards® Premier Credit Card

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

APR on purchases

APR on balance transfers

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Unique Card Benefits

Free Checked Bags

Secondary Car Rental CDW Waiver

Extended Warranty

Purchase Protection

Trip Protections

Roadside Assistance

Travel and Emergency Assistance Services

No Fees for Authorized Users

No Foreign Transaction Fees

Free Access to Credit Score

Wells Fargo Reflect Credit Card

Annual Fee

Avg. Min. Credit Score

670-850

APR on purchases

0% Intro APR (on purchases for 21 months, 17.74%-24.24% thereafter)

APR on balance transfers

0% Intro APR (on balance transfers for 21 months, 17.74%-24.24% thereafter)

Ongoing APR

17.74%-24.24% (Variable)

Balance transfers fees

5%, min: $5

Best Multiplier

1x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

None

Rating

(0) Our Review

Review

This card is not currently available at Your Best Credit Cards.

Please see our World Famous Card Explorer to find the best card for you.

Unique Card Benefits

Free Checked Bags

Secondary Car Rental CDW Waiver

Extended Warranty

Purchase Protection

Trip Protections

Roadside Assistance

Travel and Emergency Assistance Services

No Fees for Authorized Users

No Foreign Transaction Fees

Free Access to Credit Score

Southwest Rapid Rewards® Premier Credit Card

Annual Fee

$99

Avg. Min. Credit Score

670-850

APR on purchases

APR on balance transfers

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

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 Rapid Rewards® bonus after spending $3,000 within the first 3 months from account opening on qualifying purchases.

Rating

(3.93) Our Review

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.

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.

Unique Card Benefits

yes

Free Checked Bags

yes

Secondary Car Rental CDW Waiver

yes

Extended Warranty

yes

Purchase Protection

yes

Trip Protections

yes

Roadside Assistance

yes

Travel and Emergency Assistance Services

yes

No Fees for Authorized Users

yes

No Foreign Transaction Fees

yes

Free Access to Credit Score

yes