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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.

* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Your Selected Features

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Airlines And Hotels

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5 MATCHING CREDIT CARDS
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Southwest Rapid Rewards® Priority Credit Card Southwest Rapid Rewards® Priority Credit Card image

Southwest Rapid Rewards® Priority Credit Card

Card Details
Learn How to Apply
🔔 Notify me of bonus offer changes

Southwest Rapid Rewards® Priority Credit Card

YBCC Card Rate Stars Filled
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(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
✅ Matched Features:
Airlines and Hotels: Southwest Airlines
💵
Your Projected Rewards Value

Our "Projected Rewards Value" takes your spend in each category and calculates a value by using the dollars spent annually multiplied by the bonus multipliers. Those are totaled and then the card's annual fee (if any) is subtracted and the card's "easy to use" statement credits (if any) are added to give you a total value.

In Year 1, any applicable welcome bonus offer is also added. Our values for each point and mile with reasoning is linked here.

Year 1
tbd
Year 2
tbd

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.
  • 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)
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.

Bonus points for spend in the following categories:

  • 4x

    Airfare

    Airfare
  • 2x

    Gas Stations

    Gas Stations
  • 2x

    Dining Out / Food Delivery

    Dining Out / Food Delivery
  • 1x

    Everything Else

The go-to card for frequent Southwest flyers.
Southwest Rapid Rewards® Plus Credit Card Southwest Rapid Rewards® Plus Credit Card image

Southwest Rapid Rewards® Plus Credit Card

Card Details
Learn How to Apply
🔔 Notify me of bonus offer changes

Southwest Rapid Rewards® Plus Credit Card

YBCC Card Rate Stars Filled
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(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
✅ Matched Features:
Airlines and Hotels: Southwest Airlines
💵
Your Projected Rewards Value

Our "Projected Rewards Value" takes your spend in each category and calculates a value by using the dollars spent annually multiplied by the bonus multipliers. Those are totaled and then the card's annual fee (if any) is subtracted and the card's "easy to use" statement credits (if any) are added to give you a total value.

In Year 1, any applicable welcome bonus offer is also added. Our values for each point and mile with reasoning is linked here.

Year 1
tbd
Year 2
tbd

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
  • 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
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.

Bonus points for spend in the following categories:

  • 2x

    Gas Stations

    Gas Stations
  • 2x

    Groceries

    Groceries
  • 2x

    Airfare

    Airfare
  • 1x

    Everything Else

Southwest's entry-level credit card.
Southwest® Rapid Rewards® Performance Business Credit Card Southwest® Rapid Rewards® Performance Business Credit Card image

Southwest® Rapid Rewards® Performance Business Credit Card

Card Details
Learn How to Apply
🔔 Notify me of bonus offer changes

Southwest® Rapid Rewards® Performance Business Credit Card

YBCC Card Rate Stars Filled
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(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
✅ Matched Features:
Airlines and Hotels: Southwest Airlines
💵
Your Projected Rewards Value

Our "Projected Rewards Value" takes your spend in each category and calculates a value by using the dollars spent annually multiplied by the bonus multipliers. Those are totaled and then the card's annual fee (if any) is subtracted and the card's "easy to use" statement credits (if any) are added to give you a total value.

In Year 1, any applicable welcome bonus offer is also added. Our values for each point and mile with reasoning is linked here.

Year 1
tbd
Year 2
tbd

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
  • 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
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.

Bonus points for spend in the following categories:

  • 4x

    Airfare

    Airfare
  • 2x

    Gas Stations

    Gas Stations
  • 2x

    Hotels

    Hotels
  • 2x

    Transit

    Transit
  • 1x

    Everything Else

The go-to card for small business owners who are Southwest frequent travelers.

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Southwest® Rapid Rewards® Performance Business Credit Card

An explanation of your rewards

Your Best Credit Cards has defined the value of this currency as 1.25 cents each.

BONUS OFFER

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

Year 1 Rewards

80,000 points / miles worth $814 (includes bonus offer)

Year 2 Rewards

0 points / miles worth $0

* Values approximated based on your stated spend and are after subtracting any annual fees and adding in any cash equivalent credits offered, which we assume you will use. We also assume you will be able to meet all required spend for the full bonus offer on this card. If you did not earn the bonus, your value would be lower. Offers subject to change at any time. Confirm all terms on issuer’s website before applying.

Annual Fee

$299

Cash Equivalent Credits

$113

(9,000 Rapid Rewards points X current MilesTalk Rapid Rewards point valuation of 1.25 cents each)

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.

Rewards by Category

* If a category has a yearly limit on spending for a bonus category multiplier, that is factored in to your results above. If you see a category where the total is less than your spend multiplied by the bonus, that is likely due to an annual category bonus limit. Limits will not be displayed in this table.

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Spend Categories

  • Dining Out / Food Delivery

    Dining Out / Food Delivery

  • Groceries

    Groceries

  • Airfare

    Airfare

  • Gas Stations

    Gas Stations

Features

  • 0% Intro APR on Purchases

  • 0% Intro APR on Balance Transfers

  • Purchase Protection

  • Extended Warranty

  • Earns Transferable Points

  • No Foreign Transaction Fees

Credit cards

Airlines and Hotels

  • Delta Air Lines
  • United Airlines
  • Southwest Airlines
  • World of Hyatt
  • Hilton Honors
  • Marriott Bonvoy

Banks

Spend Categories

  • Dining Out / Food Delivery

    Dining Out / Food Delivery

  • Groceries

    Groceries

  • Drugstores

    Drugstores

  • Streaming Services

    Streaming Services

Features

  • 0% Intro APR on Purchases

  • 0% Intro APR on Balance Transfers

  • Airport Lounge Access

  • Extended Warranty

  • Primary Car Rental CDW Waiver

  • No Foreign Transaction Fees

Credit cards

Airlines and Hotels

  • United Airlines
  • Delta Air Lines
  • Air Canada
  • Southwest Airlines
  • Hilton Honors
  • Marriott Bonvoy

Banks

Spend Categories

  • Office Supplies

    Office Supplies

  • Advertising on Search Engines and Social Media

    Advertising on Search Engines and Social Media

  • Single Charges over $5,000

    Single Charges over $5,000

  • Shipping

    Shipping

Features

  • 0% Intro APR on Purchases

  • Airport Lounge Access

  • Has No Preset Spending Limit

  • Primary Car Rental CDW Waiver

  • Earns Transferable Points

  • Does Not Report Credit Line to Personal Credit Profile

Credit cards

Airlines and Hotels

  • American Airlines
  • Hilton Honors
  • Avios
  • Air Canada
  • Marriott Bonvoy
  • World of Hyatt

Banks

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