For Southwest loyalists, a cobranded Southwest credit card is an effective way to earn factors towards journey. And if you happen to’re seeking to earn a strong stash of Fast 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 modifications, 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 — chances are you’ll wish to think about what the airline will seem like later in 2025 and past.
Southwest is:
For those who’re aware of Southwest because it has been, you need to study its upcoming modifications earlier than making a decision.
Let’s take a look at the present welcome bonuses on the Southwest Airways private and enterprise bank cards.
Comparability of the Southwest playing cards welcome affords
Here is a have a look at the Southwest welcome affords at first look:
| Card | Welcome provide | 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 provide worth is predicated on TPG’s September 2025 valuations.
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The data for the Southwest Fast 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 supplied 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, take into account considered one of their cobranded bank cards.
Southwest Fast Rewards Plus Credit score Card
Finest for: Learners and rare vacationers
Annual charge: $99
Welcome bonus: It is your final likelihood to earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This provide is price $1,350 based mostly 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 embody 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 gasoline 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 companies (ends Dec. 31)
- 2 factors per greenback spent on cable, web, telephone companies and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Fast Rewards automotive 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
- Normal seat choice 48 hours previous to departure when accessible
- 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 fundamental economic system)
- 25% low cost on inflight purchases
- No overseas transaction charges
To study extra, learn our full review of the Southwest Rapid Rewards Plus Credit Card.
Apply right here: Southwest Rapid Rewards Plus Credit Card
Southwest Fast 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 provide is price $1,350 based mostly on TPG’s September 2025 valuations. It is your final likelihood for this provide because it ends at 9 a.m. EDT on Sept. 18.
This provide 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 gasoline 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 companies (ends Dec. 31)
- 2 factors per greenback spent on cable, web, telephone companies and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Fast Rewards automotive 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 accessible 48 hours previous to departure when accessible
- 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 fundamental economic system)
- Limitless TQP incomes of 1,500 for every $5,000 spent yearly towards A-Checklist standing
- 25% low cost on inflight purchases
- No overseas transaction charges
Be taught extra: Southwest Rapid Rewards Premier Credit Card review
Southwest Fast Rewards Precedence Credit score Card
Finest for: Southwest loyalists who can benefit from day-of-travel perks
Annual charge: $229
Welcome bonus: Final likelihood to earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This provide is price $1,350 based mostly on TPG’s September 2025 valuations and it ends at 9 a.m. EDT on Sept. 18.
This provide 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 gasoline stations and eating places, with no annual cap
- 2 factors per greenback spent on commuting purchases and native transit, together with ride-hailing companies (ends Dec. 31)
- 2 factors per greenback spent on cable, web, telephone companies and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Fast Rewards automotive 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 accessible
- Free first checked bag for you and as much as 8 journey companions
- Most popular seat choice when accessible 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-Checklist standing
- 25% low cost on inflight purchases
- No overseas 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 study 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 steadily, take into account considered one of their cobranded enterprise playing cards.
Southwest Fast Rewards Premier Enterprise Credit score Card
Finest for: Enterprise house owners who fly Southwest commonly
Annual charge: $149
Welcome bonus: Earn 60,000 bonus factors after spending $3,000 within the first three months from account opening. This provide is price $810 based mostly on TPG’s September 2025 valuations.
That is the usual welcome provide we sometimes 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 gasoline stations and grocery shops every anniversary yr
- 2 factors per greenback spent on commuting purchases, native transit and together with ride-hailing companies (ends Dec. 31)
- 2 factors per greenback spent on Fast Rewards automotive rental and resort companions (ends Dec. 31)
- 1 level per greenback spent on all different purchases
Notable perks:
- $500 charge credit score for Fast Rewards factors transfers to a different Fast 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 accessible
- Group 5 precedence boarding
- 6,000 bonus factors each cardholder anniversary
- 15% flight low cost promo code every anniversary yr (excluding Primary 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 overseas transaction charges
To study extra, learn our full review of the Southwest Rapid Rewards Premier Business card.
Apply right here: Southwest Rapid Rewards Premier Business Credit Card
Southwest Fast 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 provide is price $1,080 based mostly on TPG’s September 2025 valuations.
That is the usual welcome provide we sometimes see on this card.
Incomes charges:
- 4 factors per greenback spent on Southwest purchases
- 3 factors per greenback spent on Fast Rewards automotive rental and resort companions (ends Dec. 31)
- 2 factors per greenback spent on cable and telephone companies, 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 gasoline stations and eating places, no annual cap
- New: 2 factors per greenback spent on lodges booked straight
- 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-Checklist elite standing
- $500 charge credit score for Fast Rewards factors transfers to a different Fast 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 accessible
- Limitless upgrades to an extra-legroom seat 48 hours previous to departure at no cost when accessible
- 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 overseas transaction charges
To study 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 character. Nonetheless, lots of its most distinguished and common advantages, akin to free checked baggage with each ticket, have gone away, which makes issues completely different.
It is essential to notice that bank card holders will be capable of test one bag at no cost for themselves and as much as 8 companions on the reservation, which now prices $35 every means.
Rapid Rewards A-Checklist 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 ebook a flight is now “dynamic,” which suggests redemption charges could possibly be greater 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 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 carry alongside a delegated journey companion on all your Southwest flights — each paid and award tickets (however you have to pay taxes and costs).
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 depend 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 complete following yr.
Southwest cardholders get a ten,000 TQP-point increase at first of the yr (for current cardholders) or inside 30 days of opening an account (for brand spanking new members).
To maximise your time with the Companion Go, chances are you’ll wish to time your bank card utility in order that your welcome bonus will publish after the beginning of the brand new yr, if you happen to can.
Backside line
For those who’re in search of a brand new Southwest card, you possibly can select from among the nice present welcome affords to earn a strong quantity of bonus factors. This is without doubt one of the highest factors affords we have seen, with a considerably decrease minimal spending requirement. These affords finish at 9 a.m. EDT on Sept. 18, so now’s your final likelihood.
For those who fly steadily with a companion, the 100,000 factors additionally put you a lot nearer to incomes the go, which is price contemplating.
Simply hold the provider’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
Be taught extra: Southwest Rapid Rewards Premier Credit Card