For Southwest loyalists, a cobranded Southwest credit card is a good way to earn factors towards journey. And in the event you’re seeking to earn a stable stash of Speedy Rewards factors, now is a superb time so as to add a private card to your pockets.
These playing cards had been recently revamped with some thrilling and not-so-exciting adjustments, together with new advantages, decreased earnings charges and annual charge will increase.
Nonetheless, with Southwest’s sweeping strategy changes — lots of which have already taken impact — it’s possible you’ll wish to think about what the airline will appear to be later in 2025 and past.
Southwest is:
For those who’re acquainted with Southwest because it has been, it’s best to find out about its upcoming adjustments earlier than making a decision.
Let us take a look at the present welcome bonuses on the Southwest Airways private and enterprise bank cards.
Comparability of the Southwest playing cards welcome gives
Here is a take a look at the Southwest welcome gives at first look:
| Card | Welcome supply | Supply worth* | Annual charge |
|---|---|---|---|
| Southwest Rapid Rewards® Plus Credit Card (see rates and fees) | Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. Supply ends at 9 a.m. EDT on Sept. 18. | $1,350 | $99 |
| Southwest Rapid Rewards® Premier Credit Card |
Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. Supply ends at 9 a.m. EDT on Sept. 18. | $1,350 | $149 |
| Southwest Rapid Rewards® Priority Credit Card (see rates and fees) | Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. Supply ends at 9 a.m. EDT on Sept. 18. | $1,350 | $229 |
| Southwest® Rapid Rewards® Premier Business Credit Card (see rates and fees) | Earn 60,000 bonus factors after spending $3,000 within the first three months of account opening. | $810 | $149 |
| Southwest® Rapid Rewards® Performance Business Credit Card (see rates and fees) | Earn 80,000 bonus factors after spending $5,000 within the first three months of account opening. | $1,080 | $299 |
*Welcome supply worth relies on TPG’s September 2025 valuations.
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The data for the Southwest Speedy Rewards® Premier Credit score Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Southwest private playing cards
Whether or not you fly Southwest simply a few occasions annually or it is your unique airline, contemplate one in all their cobranded bank cards.
Southwest Speedy Rewards Plus Credit score Card
Finest for: Rookies and rare vacationers
Annual charge: $99
Welcome bonus: It is your final probability to earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This supply is price $1,350 primarily based on TPG’s September 2025 valuations and ends at 9 a.m. EDT on Sept. 18.
This matches the highest offer we have seen on the cardboard that did not embrace the coveted Companion Pass, with $8,000 much less in minimal spending required.
Incomes charges:
- New: 2 factors per greenback spent on the primary $5,000 in mixed spend at fuel stations and grocery shops every anniversary yr
- 2 factors per greenback spent on Southwest purchases
- 2 factors per greenback spent on commuting purchases and native transit, together with ride-hailing providers (ends Dec. 31)
- 2 factors per greenback spent on cable, web, cellphone providers and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Speedy Rewards automobile rental and resort companions (ends Dec. 31)
- 1 level per greenback spent on all different purchases
Notable perks:
- Free first checked bag for you and as much as 8 journey companions
- Commonplace seat choice 48 hours previous to departure when out there
- Two EarlyBird check-ins yearly (ends Dec. 31)
- Group 5 precedence boarding
- 3,000 bonus factors each cardholder anniversary
- 10,000 Companion Go qualifying factors increase yearly
- One promotional 10% flight low cost every anniversary yr (excludes primary economic system)
- 25% low cost on inflight purchases
- No international transaction charges
To be taught extra, learn our full review of the Southwest Rapid Rewards Plus Credit Card.
Apply right here: Southwest Rapid Rewards Plus Credit Card
Southwest Speedy Rewards Premier Credit score Card
Best for: Common Southwest flyers
Annual charge: $149
Welcome bonus: Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This supply is price $1,350 primarily based on TPG’s September 2025 valuations. It is your final probability for this supply because it ends at 9 a.m. EDT on Sept. 18.
This supply matches the highest offer we have seen on the cardboard with no Companion Go.
Incomes charges:
- New: 2 factors per greenback spent on the primary $8,000 in mixed spend at fuel stations and grocery shops every anniversary yr
- 3 factors per greenback spent on Southwest purchases
- 2 factors per greenback spent on commuting purchases and native transit, together with ride-hailing providers (ends Dec. 31)
- 2 factors per greenback spent on cable, web, cellphone providers and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Speedy Rewards automobile rental and resort companions (ends Dec. 31)
- 1 level per greenback spent on all different purchases
Notable perks:
- Free first checked bag for you and as much as 8 journey companions
- Most popular seat choice when out there 48 hours previous to departure when out there
- Two EarlyBird check-ins yearly (ends Dec. 31)
- Group 5 precedence boarding
- 6,000 bonus factors each cardholder anniversary
- 10,000 factors Companion Go qualifying factors increase yearly
- One promotional 15% flight low cost every anniversary yr (excludes primary economic system)
- Limitless TQP incomes of 1,500 for every $5,000 spent yearly towards A-Listing standing
- 25% low cost on inflight purchases
- No international transaction charges
Study extra: Southwest Rapid Rewards Premier Credit Card review
Southwest Speedy Rewards Precedence Credit score Card
Finest for: Southwest loyalists who can make the most of day-of-travel perks
Annual charge: $229
Welcome bonus: Final probability to earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This supply is price $1,350 primarily based on TPG’s September 2025 valuations and it ends at 9 a.m. EDT on Sept. 18.
This supply matches the highest offer we have seen on the cardboard with no Companion Go.
Incomes charges:
- New: 4 factors per greenback spent on Southwest purchases (beforehand 3 factors per greenback)
- New: 2 factors per greenback spent at fuel stations and eating places, with no annual cap
- 2 factors per greenback spent on commuting purchases and native transit, together with ride-hailing providers (ends Dec. 31)
- 2 factors per greenback spent on cable, web, cellphone providers and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Speedy Rewards automobile rental and resort companions (ends Dec. 31)
- 1 level per greenback spent on all different purchases
Notable perks:
- $75 annual Southwest credit score (ends Dec. 31)
- 4 upgraded boardings (ends Dec. 31)
- 7,500-point anniversary bonus
- Limitless upgrades to extra-legroom seats inside 48 hours of departure at no cost when out there
- Free first checked bag for you and as much as 8 journey companions
- Most popular seat choice when out there at reserving
- Two EarlyBird check-ins yearly (ends Dec. 31)
- Group 5 precedence boarding
- 10,000 factors Companion Go qualifying factors increase yearly
- Limitless TQP incomes of two,500 for every $5,000 spent yearly towards A-Listing standing
- 25% low cost on inflight purchases
- No international transaction charges
TPG named this card the Finest Airline Cobranded Credit score Card for the second yr in a row on the 2024 TPG Awards.
To be taught extra, learn our full review of the Southwest Rapid Rewards Priority Credit Card.
Apply right here: Southwest Rapid Rewards Priority Credit Card
Southwest enterprise playing cards
For those who qualify for a enterprise bank card and fly Southwest often, contemplate one in all their cobranded enterprise playing cards.
Southwest Speedy Rewards Premier Enterprise Credit score Card
Finest for: Enterprise house owners who fly Southwest frequently
Annual charge: $149
Welcome bonus: Earn 60,000 bonus factors after spending $3,000 within the first three months from account opening. This supply is price $810 primarily based on TPG’s September 2025 valuations.
That is the usual welcome supply we usually see on this card.
Incomes charges:
- 3 factors per greenback spent on Southwest purchases
- New: 2 factors per greenback spent on the primary $8,000 in mixed spend at fuel stations and grocery shops every anniversary yr
- 2 factors per greenback spent on commuting purchases, native transit and together with ride-hailing providers (ends Dec. 31)
- 2 factors per greenback spent on Speedy Rewards automobile rental and resort companions (ends Dec. 31)
- 1 level per greenback spent on all different purchases
Notable perks:
- $500 charge credit score for Speedy Rewards factors transfers to a different Speedy Rewards member (ends Dec. 31)
- Free first checked bag for you and as much as 8 journey companions
- Most popular seat choice inside 48 hours of departure when out there
- Group 5 precedence boarding
- 6,000 bonus factors each cardholder anniversary
- 15% flight low cost promo code every anniversary yr (excluding Fundamental fares)
- 10,000 Companion Go qualifying factors increase yearly
- Limitless TQPs incomes of two,000 for every $5,000 spent yearly
- 25% low cost on inflight purchases
- No international transaction charges
To be taught extra, learn our full review of the Southwest Rapid Rewards Premier Business card.
Apply right here: Southwest Rapid Rewards Premier Business Credit Card
Southwest Speedy Rewards Efficiency Enterprise Credit score Card
Finest for: Enterprise house owners who’re loyal Southwest flyers
Annual charge: $299
Welcome bonus: Earn 80,000 bonus factors after spending $5,000 within the first three months of account opening. This supply is price $1,080 primarily based on TPG’s September 2025 valuations.
That is the usual welcome supply we usually see on this card.
Incomes charges:
- 4 factors per greenback spent on Southwest purchases
- 3 factors per greenback spent on Speedy Rewards automobile rental and resort companions (ends Dec. 31)
- 2 factors per greenback spent on cable and cellphone providers, web, paid search promoting and social media (ends Dec. 31)
- 2 factors per greenback spent on commuting purchases and native transit
- New: 2 factors per greenback spent on at fuel stations and eating places, no annual cap
- New: 2 factors per greenback spent on lodges booked immediately
- 1 level per greenback spent on all different purchases
Notable perks:
- 4 upgraded boardings per yr (ends Dec. 31)
- As much as 365 inflight Wi-Fi credit per yr (ends Dec. 31)
- Earn tier-qualifying factors towards A-Listing elite standing
- $500 charge credit score for Speedy Rewards factors transfers to a different Speedy Rewards member (ends Dec. 31).
- Free first checked bag for you and as much as 8 journey companions
- Most popular seat choice at reserving when out there
- Limitless upgrades to an extra-legroom seat 48 hours previous to departure at no cost when out there
- Group 5 precedence boarding
- 9,000 factors each cardholder anniversary
- 10,000 Companion Go qualifying factors increase yearly
- Limitless TQPs incomes of two,500 for every $5,000 spent yearly
- As much as $120 Global Entry/TSA PreCheck credit score
- New: 25% low cost on inflight purchases
- No international transaction charges
To be taught extra, learn our full review of the Southwest Rapid Rewards Performance Business card.
Apply right here: Southwest Rapid Rewards Performance Business Credit Card
Must you apply for a Southwest bank card now?
Southwest has many followers who love the airline’s persona. Nonetheless, lots of its most distinguished and in style advantages, comparable to free checked baggage with each ticket, have gone away, which makes issues totally different.
It is necessary to notice that bank card holders will be capable of examine one bag at no cost for themselves and as much as 8 companions on the reservation, which now prices $35 every approach.
Rapid Rewards A-Listing Most popular and Enterprise Choose members will obtain two free checked baggage. A-list members will solely obtain one checked bag. Weight and measurement limits apply.
The variety of Southwest Rapid Rewards points required to e book a flight is now “dynamic,” which implies redemption charges may very well be larger or decrease relying on the flight’s demand.
Moreover, Southwest adjusted its coverage towards cancellation and alter charges, and now solely sure fare varieties get waived charges. Free same-day standby can also be now restricted to sure fare varieties.
You will get excellent value with the Companion Pass supplied on Southwest’s private playing cards. This perk permits you to deliver alongside a delegated journey companion on all your Southwest flights — each paid and award tickets (however you have to pay taxes and charges).
To get a Companion Go, you have to earn 135,000 qualifying factors or take 100 qualifying, one-way flights in a calendar yr. Moreover, bank card welcome bonuses and factors earned from card spending rely towards qualification.
You’ll be able to obtain practically two years of buy-one-get-one flights by opening a private and enterprise Southwest bank card and timing your spending to earn the bonuses close to the start of any given yr. That is as a result of the usual Companion Go is legitimate for the yr it is earned and the whole following yr.
Southwest cardholders get a ten,000 TQP-point increase originally of the yr (for present cardholders) or inside 30 days of opening an account (for brand spanking new members).
To maximise your time with the Companion Go, it’s possible you’ll wish to time your bank card software in order that your welcome bonus will publish after the beginning of the brand new yr, in the event you can.
Backside line
For those who’re on the lookout for a brand new Southwest card, you’ll be able to select from a few of the nice present welcome gives to earn a stable quantity of bonus factors. This is without doubt one of the highest factors gives we have seen, with a considerably decrease minimal spending requirement. These gives finish at 9 a.m. EDT on Sept. 18, so now’s your final probability.
For those who fly often with a companion, the 100,000 factors additionally put you a lot nearer to incomes the move, which is price contemplating.
Simply maintain the service’s wide range of changes occurring via the remainder of 2025 and 2026.
Apply right here: Southwest Rapid Rewards Plus Credit Card
Apply right here: Southwest Rapid Rewards Priority Credit Card
Apply right here: Southwest Rapid Rewards Premier Business Credit Card
Apply right here: Southwest Rapid Rewards Performance Business Credit Card
Study extra: Southwest Rapid Rewards Premier Credit Card
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