For Southwest loyalists, a cobranded Southwest bank card is a good way to earn factors towards journey. And should you’re seeking to earn a stable stash of Speedy Rewards factors, now is a good time so as to add a private card to your pockets.
These playing cards had been lately revamped with some thrilling and not-so-exciting adjustments together with new advantages, decreased earnings charges and annual price will increase.
Nonetheless, with Southwest’s sweeping technique adjustments — lots of which have already taken impact — it’s possible you’ll need to consider what the airline will seem like later in 2025 and past.
Southwest is:
In the event you’re aware of 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 affords
Here is a have a look at the Southwest welcome affords at first look:
| Card | Welcome provide | Provide worth* | Annual price |
|---|---|---|---|
| Southwest Speedy Rewards® Plus Credit score Card(see charges and costs) | Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. | $1,400 | $99 |
| Southwest Speedy Rewards® Premier Credit score Card |
Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. | $1,400 | $149 |
| Southwest Speedy Rewards® Precedence Credit score Card (see charges and costs) | Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. | $1,400 | $229 |
| Southwest® Speedy Rewards® Premier Enterprise Credit score Card (see charges and costs) | Earn 60,000 bonus factors after spending $3,000 within the first three months of account opening. | $840 | $149 |
| Southwest® Speedy Rewards® Efficiency Enterprise Credit score Card (see charges and costs) | Earn 80,000 bonus factors after spending $5,000 within the first three months of account opening. | $1,120 | $299 |
*Welcome provide worth is predicated on TPG’s July 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, think about one in all their cobranded bank cards.
Southwest Speedy Rewards Plus Credit score Card
Greatest for: Learners and rare vacationers
Annual price: $99
Welcome bonus: Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This provide is value $1,400 primarily based on TPG’s July 2025 valuations.
This matches the highest provide we have seen on the cardboard that did not embody the coveted Companion Move 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 12 months
- 2 factors per greenback spent on Southwest purchases
- 2 factors per greenback spent on native transit and commuting purchases, together with ride-hailing providers (ends Dec. 31)
- 2 factors per greenback spent on web, cable, cellphone providers and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Speedy Rewards resort and automotive rental 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
- Customary seat choice 48 hours previous to departure when obtainable
- Two EarlyBird check-ins yearly (ends Dec. 31)
- Group 5 precedence boarding
- 3,000 bonus factors each cardholder anniversary
- 10,000 companion Move qualifying factors enhance yearly
- One promotional 10% flight low cost every anniversary 12 months (excludes primary economic system)
- 25% low cost on inflight purchases
- No overseas transaction charges
To be taught extra, try our full overview of the Southwest Speedy Rewards Plus Credit score Card.
Apply right here: Southwest Speedy Rewards Plus Credit score Card
Southwest Speedy Rewards Premier Credit score Card
Best for: Common Southwest flyers
Annual price: $149
Welcome bonus: Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This provide is value $1,400 primarily based on TPG’s July 2025 valuations.
This provide matches the highest provide we have seen on the cardboard and not using a Companion Move.
Incomes charges:
- New: 2 factors per greenback spent on the primary $8,000 in mixed spend at gasoline stations and grocery shops every anniversary 12 months
- 3 factors per greenback spent on Southwest purchases
- 2 factors per greenback spent on native transit and commuting purchases, together with ride-hailing providers (ends Dec. 31)
- 2 factors per greenback spent on web, cable, cellphone providers and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Speedy Rewards resort and automotive rental 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 obtainable 48 hours previous to departure
- Two EarlyBird check-ins yearly (ends Dec. 31)
- Group 5 precedence boarding
- 6,000 bonus factors each cardholder anniversary
- 10,000 factors companion Move qualifying factors enhance yearly
- One promotional 15% flight low cost every anniversary 12 months (excludes primary economic system)
- Limitless TQP incomes of 1,500 for every $5,000 spent yearly towards A-Record standing
- 25% low cost on inflight purchases
- No overseas transaction charges
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.
Be taught extra: Southwest Speedy Rewards Premier Credit score Card overview
Southwest Speedy Rewards Precedence Credit score Card
Greatest for: Southwest loyalists who can reap the benefits of day-of-travel perks
Annual price: $229
Welcome bonus: Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This provide is value $1,400 primarily based on TPG’s July 2025 valuations.
This provide matches the highest provide we have seen on the cardboard and not using a Companion Move.
Incomes charges:
- New: 4 factors per greenback spent on Southwest purchases (up from 3x)
- New: 2 factors per greenback spent at gasoline stations and eating places, with no annual cap
- 2 factors per greenback spent on native transit and commuting purchases, together with ride-hailing providers (ends Dec. 31)
- 2 factors per greenback spent on web, cable, cellphone providers and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Speedy Rewards resort and automotive rental companions and 1 level per greenback on every part else (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 further legroom seats inside 48 hours of departure at no cost when obtainable
- Free first checked bag for you and as much as 8 journey companions
- Most popular seat choice when obtainable at reserving
- Two EarlyBird check-ins yearly (ends Dec. 31)
- Group 5 precedence boarding
- 10,000 factors companion Move qualifying factors enhance yearly
- Limitless TQP incomes of two,500 for every $5,000 spent yearly towards A-Record standing
- 25% low cost on inflight purchases
- No overseas transaction charges
TPG named this card the Greatest Airline Cobranded Credit score Card for the second 12 months in a row on the 2024 TPG Awards.
To be taught extra, try our full overview of the Southwest Speedy Rewards Precedence Credit score Card.
Apply right here: Southwest Speedy Rewards Precedence Credit score Card
Southwest enterprise playing cards
In the event you qualify for a enterprise bank card and fly Southwest ceaselessly, think about one in all their cobranded enterprise playing cards.
Southwest Speedy Rewards Premier Enterprise Credit score Card
Greatest for: Enterprise homeowners who fly Southwest usually
Annual price: $149
Welcome bonus: Earn 60,000 bonus factors after spending $3,000 within the first three months from account opening. This provide is value $840 primarily based on TPG’s July 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 12 months
- 2 factors per greenback on native transit and commuting purchases, together with ride-hailing providers (ends Dec. 31)
- 2 factors per greenback on Speedy Rewards resort and automotive rental companions (ends Dec. 31)
- 1 level per greenback spent on all different purchases
Notable perks:
- $500 price 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 obtainable
- Group 5 precedence boarding
- 6,000 bonus factors each cardholder anniversary
- 15% flight low cost promo code every anniversary 12 months (excluding Primary fares)
- 10,000 companion Move qualifying factors enhance yearly
- Limitless TQPs incomes of two,000 for every $5,000 spent yearly
- 25% low cost on inflight purchases
- No overseas transaction charges
To be taught extra, try our full overview of the Southwest Speedy Rewards Premier Enterprise card.
Apply right here: Southwest Speedy Rewards Premier Enterprise Credit score Card
Southwest Speedy Rewards Efficiency Enterprise Credit score Card
Greatest for: Enterprise homeowners who’re loyal Southwest flyers
Annual price: $299
Welcome bonus: Earn 80,000 bonus factors after spending $5,000 within the first three months of account opening. This provide is value $1,120 primarily based on TPG’s July 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 on Speedy Rewards resort and automotive rental companions (ends Dec. 31)
- 2 factors per greenback on social media and paid search promoting, web, cable and cellphone providers (ends Dec. 31)
- 2 factors per greenback spent on native transit and commuting purchases
- New: 2 factors per greenback spent on at gasoline stations and eating places, no annual cap
- New: 2 factors per greenback spent on inns booked straight
- 1 level per greenback spent on all different purchases
Notable perks:
- 4 upgraded boardings per 12 months (ends Dec. 31)
- As much as 365 inflight Wi-Fi credit per 12 months (ends Dec. 31)
- Earn tier-qualifying factors towards A-Record elite standing
- $500 price 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 obtainable
- Limitless upgrades to an additional legroom seat 48 hours previous to departure at no cost when obtainable
- Group 5 precedence boarding
- 9,000 factors each cardholder anniversary
- 10,000 companion Move qualifying factors enhance yearly
- Limitless TQPs incomes of two,500 for every $5,000 spent yearly
- Up-to-$120 International Entry/TSA PreCheck credit score
- New: 25% low cost on inflight purchases
- No overseas transaction charges.
To be taught extra, try our full overview of the Southwest Speedy Rewards Efficiency Enterprise card.
Apply right here: Southwest Speedy Rewards Efficiency Enterprise Credit score Card
Do you have to apply for a Southwest bank card now?
Southwest has many followers who love the airline’s character. Nonetheless, lots of its most outstanding and common advantages, similar to free checked luggage 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 free of charge for themselves and as much as 8 companions on the reservation, which now prices $35 every means.
Speedy Rewards A-Record Most popular and Enterprise Choose members will obtain two free checked luggage. A-list members will solely obtain one checked bag. Weight and measurement limits apply.
The variety of Southwest Speedy Rewards factors required to e-book a flight is now “dynamic,” which implies 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 sorts get waived charges. Free same-day standby is now additionally restricted to sure fare sorts.
You may get glorious worth with the Companion Move supplied on Southwest’s private playing cards. This perk lets you convey alongside a delegated journey companion on your whole Southwest flights — each paid and award tickets (however you need to pay taxes and costs).
To get a Companion Move, you need to earn 135,000 qualifying factors or take 100 qualifying, one-way flights in a calendar 12 months. Moreover, bank card welcome bonuses and factors earned from card spending rely towards qualification.
You may 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 12 months. That is as a result of the usual Companion Move is legitimate for the 12 months it is earned and the whole following 12 months.
Southwest cardholders get a ten,000 TQP-point enhance firstly of the 12 months (for current cardholders) or inside 30 days of opening an account (for brand new members).
To maximise your time with the Companion Move, it’s possible you’ll need to time your bank card software in order that your welcome bonus will submit after the beginning of the brand new 12 months, should you can.
Backside line
In the event you’re on the lookout for a brand new Southwest card, you’ll be able to select from a number of the nice present welcome affords to earn a stable quantity of bonus factors. This is likely one of the highest factors affords we have seen, with a considerably much less spending requirement, so now often is the proper time to use.
In the event you fly ceaselessly with a companion, the 100,000 factors additionally places you a lot nearer to incomes the move, which is value contemplating.
Simply hold the provider’s big selection of adjustments in thoughts occurring by means of the remainder of 2025 and 2026.
Apply right here: Southwest Speedy Rewards Plus Credit score Card
Apply right here: Southwest Speedy Rewards Precedence Credit score Card
Apply right here: Southwest Speedy Rewards Premier Enterprise Credit score Card
Apply right here: Southwest Speedy Rewards Efficiency Enterprise Credit score Card
Be taught extra: Southwest Speedy Rewards Premier Credit score Card
