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Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive a commission from card issuers. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank offers. Commissions do not affect or prioritize placement within our Card Explorer results, and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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Southwest Rapid Rewards® Priority Credit Card Southwest Rapid Rewards® Priority Credit Card image
Card Details
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Southwest Rapid Rewards® Priority Credit Card

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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$229

☝ Increased Offer

Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening

Bonus points for spend in the following bonus categories:

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

4 x
Airfare
Estimated Rewards Value: 5%
2 x
Gas Stations
Estimated Rewards Value: 2.5%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.5%
1 x
Everything Else
Estimated Rewards Value: 1.25%
+
 more
Notify me of bonus offer changes
  • Excellent Southwest-specific perks - including annual bonus points every cardmember anniversary.
  • Earn points toward Southwest Companion Pass and Tier Qualifying Points toward A-List and A-List Preferred Status.
  • Upgrade to Extra Legroom seat within 48 hours prior to departure when available (for travel in 2026 and beyond)

Pros

  • Upgrade to Extra Legroom seats within 48 hours prior to departure when available
  • 7,500 bonus points each cardmember anniversary (worth $105)
  • Preferred Seat selection at booking when available starting in 2026

Cons

  • $229 annual fee is the highest annual fee of any personal Southwest credit card.
  • Rapid Rewards points are only really valuable for Southwest award flights.
Annual Fee: $229
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.0125

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 19.74%-28.24% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.
Last Updated: November 10, 2025
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Southwest Rapid Rewards® Plus Credit Card Southwest Rapid Rewards® Plus Credit Card image
Card Details
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Southwest Rapid Rewards® Plus Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.7) 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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$99

☝ Increased Offer

Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening

Bonus points for spend in the following bonus categories:

Earn 2 points for every $1 you spend at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year.

2 x
Gas Stations
Estimated Rewards Value: 2.5%

Earn 2 points for every $1 you spend at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year.

2 x
Groceries
Estimated Rewards Value: 2.5%

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

2 x
Airfare
Estimated Rewards Value: 2.5%
1 x
Everything Else
Estimated Rewards Value: 1.25%
+
 more
Notify me of bonus offer changes
  • Lowest annual fee of any of the Southwest credit cards.
  • Cardmember anniversary bonus and free checked bags more than offset the card's annual fee.
  • Group 5 Boarding + your 1st checked bag free

Pros

  • 3,000 bonus points every account anniversary
  • Lowest annual fee of any Southwest credit cards
  • Group 5 Boarding + your 1st checked bag free

Cons

  • Bonus Spending categories could be better
  • No access to extra legroom seats like with the Priority card
Annual Fee: $99
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.0125

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 19.74%-28.24% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.
Last Updated: November 10, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Southwest® Rapid Rewards® Performance Business Credit Card Southwest® Rapid Rewards® Performance Business Credit Card image
Card Details
Learn How to Apply
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Southwest® Rapid Rewards® Performance Business Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.3) 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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$299

🎁 Bonus offer

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening

Bonus points for spend in the following bonus categories:

Applies only to Southwest Airlines booked directly with Southwest; Otherwise earn 1X

4 x
Airfare
Estimated Rewards Value: 5%
2 x
Gas Stations
Estimated Rewards Value: 2.5%

Booked directly with the hotel

2 x
Hotels
Estimated Rewards Value: 2.5%

Local transit and commuting, Including rideshare

2 x
Transit
Estimated Rewards Value: 2.5%
1 x
Everything Else
Estimated Rewards Value: 1.25%
+
 more
Notify me of bonus offer changes
  • Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available.
  • First checked bag free for you and up to 8 additional passengers in the same reservation
  • 9,000 bonus points on every cardmember anniversary

Pros

  • Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available.
  • First checked bag free for you and up to 8 additional passengers in the same reservation
  • 9,000 bonus points on every cardmember anniversary

Cons

  • The high annual fee will be hard to justify for infrequent travelers
  • Rapid Rewards points only provide a good value for Southwest flights
Annual Fee: $299
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.0125

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 19.74%-28.24% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.
Last Updated: November 10, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile Compare Cards
Southwest® Rapid Rewards® Premier Business Credit Card Southwest® Rapid Rewards® Premier Business Credit Card image
Card Details
Learn How to Apply
Notify me of bonus offer changes

Southwest® Rapid Rewards® Premier Business Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.9) 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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$149

🎁 Bonus offer

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Earn 3X on Southwest flights booked directly; otherwise earn 1X

3 x
Airfare
Estimated Rewards Value: 3.75%

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

2 x
Gas Stations
Estimated Rewards Value: 2.5%

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

2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.5%
1 x
Everything Else
Estimated Rewards Value: 1.25%
+
 more
Notify me of bonus offer changes
  • Early boarding (Group 5), First free checked bag (you and up to 8 companions, Preferred seating
  • Ability to spend toward A-List status and the Southwest Companion Pass
  • 6,000 bonus points on every cardmember anniversary

Pros

  • 6,000 bonus points on every cardmember anniversary
  • Receive a 15% promo code each year on your cardmember anniversary (Excludes Basic fare).
  • Ability to spend toward A-List status and the Southwest Companion Pass
  • Early boarding (Group 5), First free checked bag (you and up to 8 companions, Preferred seating

Cons

  • Lack of business spending rewards categories
  • Better perks and earning rates on the Southwest Performance Business Card
Annual Fee: $149
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.0125

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 19.74%-28.24% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.
Last Updated: November 10, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
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Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Southwest Rapid Rewards® Premier Credit Card image
Card Details
Notify me of bonus offer changes

Southwest Rapid Rewards® Premier Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.9) 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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$149

☝ Increased Offer

Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening

Bonus points for spend in the following bonus categories:

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

3 x
Airfare
Estimated Rewards Value: 3.75%

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

2 x
Groceries
Estimated Rewards Value: 2.5%

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

2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.5%
1 x
Everything Else
Estimated Rewards Value: 1.25%
+
 more
Notify me of bonus offer changes
  • Get Southwest-specific benefits like complimentary Preferred seats within 48 hours prior to departure, a 15% promo code each year on your cardmember anniversary (Excludes Basic fare), and 25% back on inflight purchases.
  • First checked bag free for you and up to 8 additional passengers in the same reservation
  • Earn points toward the Southwest Companion Pass and Tier-Qualifying Points toward A-List Status and A-List Preferred Status.

Pros

  • First checked bag free for you and up to 8 additional passengers in the same reservation
  • 6,000 bonus points every account anniversary
  • Solid spending category bonus

Cons

  • Rapid Rewards points aren't valuable for anything other than flying Southwest.
  • The Southwest Priority Credit Card is likely a better fit for frequent Southwest flyers.
Annual Fee: $149
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.0125

Last updated March 27, 2025 to reflect the new dynamic pricing models which gives less value per point at peak times. Compared to the prior 1.4 cpp average, 1.25 cpp seems a bit more the average now.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.
Last Updated: November 10, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Citi Strata℠ Card

Annual fee
$0
Point value
$0.01 -
$0.017
Best Multiplier
3x Groceries
3x Gas Stations
+ 3 more

Bonus Offer

There is no bonus offer at this time

Card Details
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Citi Strata Elite℠

Annual fee
$595
Point value
$0.01 -
$0.017
Best Multiplier
12x Hotels
12x Car Rentals
+ 3 more

Bonus Offer

For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.

Card Details
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Chase Sapphire Reserve for Business℠

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
8x Airfare
8x Hotels
+ 4 more

Bonus Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.

Card Details Learn How to Apply
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A no annual fee credit card earning transferable points

Annual fee
$0
Point value
$0.01 -
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details How to Apply
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A Very Premium Credit Card

Annual fee
$595
Point value
$0.01
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
View Table Image

Miles and Lounge Access

Annual fee
$595
Point value
$0.014
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details How to Apply
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Business Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$95
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
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Mid Tier Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$350
Point value
$0.014
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
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Premium Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$395
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
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Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$95
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply

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