Southwest Speedy Rewards Precedence Credit score Card overview
The Southwest Speedy Rewards® Precedence Credit score Card (see charges and costs) is probably the most rewarding of Southwest Airways’ private bank cards. It features a $229 annual payment and seven,500 anniversary bonus factors. With probably the most advantages of any of the cardboard choices, that is the cardboard to get if you happen to’re a Southwest loyalist. Card Score*: ⭐⭐⭐½
*Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Southwest Airways has gained legions of followers, largely as a consequence of its earlier versatile change/cancellation insurance policies and providing two free checked baggage for all passengers.
The airline, nevertheless, is in the course of sweeping modifications, together with an up to date boarding course of beginning in January 2026 and baggage now not flying free.
In contrast to different airways, Southwest would not provide lounges, however it plans to implement premium cabins and has began retrofitting planes to incorporate seats with further legroom.
However it does provide a full suite of cobranded bank cards to assist frequent flyers fulfill their Southwest journey targets. These playing cards had been not too long ago refreshed, introducing all kinds of modifications.
This contains the Southwest Precedence card, which has added extra perks aimed toward making the Southwest journey expertise extra nice and has modified bonus class incomes charges. Nonetheless, with this comes an unlucky over 40% annual payment improve to $229.
This card received the Finest Airline Cobranded Credit score Card award within the 2024 TPG Awards, however with the brand new modifications, solely time will inform if it can take house the crown once more this yr.
The Southwest Precedence card has a beneficial credit score rating of 670 or above and is probably the most premium private bank card within the Southwest lineup.
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However are its advantages useful sufficient to warrant the $229 annual payment, and is now the fitting time so that you can apply? Let’s discover out.
Southwest Precedence Credit score Card professionals and cons
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Southwest Precedence Credit score Card welcome provide
New Southwest Precedence cardholders can earn 100,000 bonus factors after spending $4,000 on purchases within the first 5 months from account opening. This provide ends Sept 17.
Based on TPG’s July 2025 valuations, the 100,000 factors included on this welcome provide are value $1,400.
This matches the finest welcome provide we have seen on this card that does not embody a Companion Go, and it requires $8,000 much less in minimal spending.
Your bonus desire ought to decide whether or not you apply for this card now or not; nevertheless, if the Companion Go would not curiosity you, this is a wonderful provide to make the most of. Know, although, that you might have the possibility to earn the welcome bonus and a Companion Go (relying on how a lot you spend) since you would be 114,000* factors nearer to the 135,000 factors wanted to earn a Companion Go.
*This whole relies on the 100,000 factors you’d earn from the welcome bonus, plus a further 4,000 factors you’d obtain from the spending requirement and the ten,000 Companion Go qualifying factors enhance you’d additionally earn.
Notice that Southwest playing cards are topic to Chase’s 5/24 rule. Should you’ve opened 5 or extra bank cards up to now 24 months (from all banks, not simply Chase), you will not be authorized.
Moreover, you may’t open a brand new private Southwest card when you have one open. You additionally will not be capable to get a brand new welcome bonus from a private Southwest card if you happen to’ve obtained one up to now 24 months.
Associated: Tips on how to shortly earn the Southwest Companion Go
Southwest Precedence Credit score Card advantages
The Southwest Precedence card affords the next advantages, lots of which can assist offset the annual payment. Most advantages will make the day-of-travel expertise way more pleasing. It is necessary to notice that present cardholders will obtain all their present advantages till Dec. 31.
Cardholders obtain:
- Anniversary bonus: In your card anniversary annually, you will obtain 7,500 Speedy Rewards factors, value $105 primarily based on TPG’s July 2025 valuations.
- Annual Southwest journey credit score: Throughout every cardmember yr, you will obtain a $75 journey credit score that can be utilized on most Southwest purchases, together with tickets (excluding upgraded boardings and inflight purchases; this credit score will finish Dec. 31).
- Two EarlyBird Examine-Ins yearly: These EarlyBird Examine-Ins can price as a lot $99 (ends Dec. 31).
- 4 upgraded boardings per yr: For flights working in 2025, you will have the power to improve your boarding as much as 4 instances (ends Dec. 31).
- Free first checked bag: Obtain a free first checked bag for you and as much as eight passengers touring on the identical reservation. (A normal first checked bag prices $35, which might save a household of 4 $280 on a round-trip itinerary.)
- Group 5 precedence boarding (for 2026 and past): In case you have A-list standing, you may board with an earlier group.
- Most popular seat choice at reserving: When out there, you and as much as eight passengers touring on the identical reservation can choose most well-liked seating on the time of reserving.
- Limitless extra-legroom upgrades: When out there, you and as much as eight passengers touring on the identical reservation can choose extra-legroom seats inside 48 hours previous to departure. This arguably is probably the most useful perk supplied by the cardboard, as most home airways solely provide complimentary extra-legroom seating to their elite members or require a hefty spending quantity on a cobranded card.
- 25% inflight financial savings: Obtain 25% again (as a press release credit score) after you utilize your card to buy inflight drinks and Wi-Fi.
- Tier qualifying factors enhance: Earn 2,500 tier qualifying factors that rely towards A-Record and A-Record Most popular standing for each $5,000 you spend in a calendar yr.
- 10,000 Companion Go qualifying factors enhance yearly: Cardholders obtain 10,000 factors towards a Companion Go annually.
Along with the Southwest-specific advantages, the cardboard comes with misplaced baggage reimbursement, baggage delay insurance coverage, prolonged guarantee safety and buy safety.
The cardboard additionally carries no overseas transaction charges, so it is a sensible choice for spending overseas.
Associated: Tips on how to get airline elite standing
Incomes factors with the Southwest Precedence Credit score Card
This is what you will earn with the Southwest Precedence card:
- New: 4 factors per greenback spent on Southwest purchases (5.6% return primarily based on TPG’s July 2025 valuations)
- New: 2 factors per greenback spent at fuel stations and eating places (2.8% return)
- 2 factors per greenback spent with Speedy Rewards resort and automotive rental companions (2.8% return; ends Dec. 31)
- 2 factors per greenback spent on native transit and commuting, together with ride-hailing apps (2.8% return; ends Dec. 31)
- 2 factors per greenback spent on web, cable and telephone providers and choose streaming purchases (2.8% return; ends Dec. 31)
- 1 level per greenback spent on all different purchases (1.4% return)
It is necessary to notice that present cardholders will obtain the present and new incomes charges till Dec. 31.
This airline bank card affords a greater variety of bonus classes than different airline bank cards; nevertheless, many of those bonus classes can be eliminated on the finish of the yr. You might be higher suited with different prime journey playing cards, as their earnings may be much more profitable.
You will earn 5.6% again on Southwest purchases and a pair of.8% again on choose purchases (in accordance with TPG’s July 2025 valuations), which aren’t unhealthy charges of return for a cobranded bank card. The addition of fuel and grocery as a bonus class is a welcome addition and useful for individuals who plan to place a bulk of their on a regular basis spending on the cardboard.
Nonetheless, this will not be the perfect Southwest card for you if you happen to do not e-book Southwest flights usually or want to make use of different portals for resort and rental automotive bookings.
Associated: Finest rewards bank cards
Redeeming factors with the Southwest Precedence Credit score Card
Redeeming Southwest Speedy Rewards factors with the Southwest Precedence card may be very simple.
Southwest award costs are immediately tied to the money worth of the ticket, that means the variety of factors you want for a flight will fluctuate, however you will not often encounter instances when you may’t use your factors. Plus, you may redeposit your award with out penalty in case your plans change.
Whereas Southwest’s factors will not provide help to fly in first-class suites, they’ll present nice worth.
As an example, you may fly from Los Angeles Worldwide Airport (LAX) to Chicago’s Halfway Worldwide Airport (MDW) for as few as 8,091 factors one-way, relying on the time of yr. In the meantime, different airways usually cost 10,000 miles or much more (assuming you’ll find availability).
Should you e-book throughout one in all Southwest’s flash gross sales, you might rating awards for lower than 2,500 factors one-way. You possibly can even fly to enjoyable locations like Hawaii, Costa Rica and Mexico together with your Southwest factors.
As an example, Emily Thompson, a e-newsletter and partnerships editor at TPG, not too long ago took benefit of one in all these gross sales to e-book a round-trip ticket between Nashville Worldwide Airport (BNA) and San Jose Mineta Worldwide Airport (SJC) in California for underneath 25,000 factors.
Associated: Tips on how to redeem your factors with the Southwest Speedy Rewards program
Which playing cards compete with the Southwest Precedence Credit score Card?
Southwest Airways affords three private playing cards, so you may select the one that matches you finest.
- If you need Southwest advantages with a extra modest payment: The Southwest Speedy Rewards® Premier Credit score Card is the mid-tier card within the Southwest lineup, with a $149 annual payment. Its advantages embody most well-liked seat choice when out there, one 15% promotional code every cardmember anniversary, 6,000 anniversary bonus factors, a Companion Go qualifying factors enhance perk and free checked baggage. To be taught extra, learn our full assessment of the Southwest Premier card.
- If you need a Southwest card with an excellent decrease annual payment: The Southwest Speedy Rewards® Plus Credit score Card (see charges and costs) has a $99 annual payment and permits commonplace seat choice when out there, supplies one 10% promotional code every cardmember anniversary, affords 3,000 anniversary bonus factors, features a Companion Go qualifying factors enhance perk and comes with free checked baggage. To be taught extra, learn our full assessment of the Southwest Plus card.
- If you need transferable factors to make use of with Southwest and different airways: The Chase Sapphire Most popular® Card (see charges and costs) earns Chase Final Rewards factors, which you’ll be able to switch 1:1 to Southwest and a variety of different airways for making flight redemptions. You will get quite a few journey protections, a $50 annual resort credit score on resort bookings made by way of Chase Journey℠ and strong incomes classes for a $95 annual payment. To be taught extra, learn our full assessment of the Sapphire Most popular.
For extra choices, try our full record of journey bank cards.
The data for the Southwest Speedy Rewards Premier 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.
Is the Southwest Precedence Credit score Card value it?
Should you fly Southwest at the very least a couple of instances annually, you’ll come out forward with the Southwest Precedence card. Its on a regular basis incomes charges aren’t probably the most profitable, however spectacular built-in perks like most well-liked seat choice (when out there), Group 5 boarding (for 2026 and past), free checked baggage for you and eight journey companions, and anniversary bonus factors make up for it. Nonetheless, if you happen to fly Southwest much less usually, you will probably want one in all our different favourite airline playing cards.
Backside line
The Southwest Precedence card is probably the most rewarding of Southwest Airways’ private bank cards, permitting you to earn a great stash of factors and get probably the most advantages of any of the airline’s choices.
Regardless of the current refresh and annual payment improve, that is nonetheless the perfect Southwest card for you if you happen to fly the service usually.
Nonetheless, if you happen to do not fly Southwest usually or need to preserve your annual payment prices decrease, you could need to go for one of many different Southwest cobranded playing cards or a card that earns transferable rewards.
Apply right here: Southwest Speedy Rewards Precedence Credit score Card
Associated: Tips on how to choose the fitting journey bank card for you
