Pros & Cons

Pros

  • +Welcome Bonus: 50,000 points
  • +Up to 4x on Southwest flights
  • +Purchase protection included

Cons

  • High annual fee ($229/yr)
  • No lounge access

Our Review

Enjoy Premium Perks with the Southwest Rapid Rewards® Priority Credit Card

  • 50,000 bonus points after $1,000 in purchases within your first 3 months
  • 3X points on Southwest® flights
  • 2X points on Rapid Rewards® hotel and car rental partner purchases
  • 2X points on local transit, rideshare, internet, cable & phone services
  • 1X point on all other purchases
  • 7,500 anniversary points each year
  • 4 upgraded boardings per year when available
  • $75 annual travel credit for Southwest® purchases
  • No foreign transaction fees
  • $149 annual fee

With elevated earning on flights and everyday services, the Priority card delivers both flexibility and value. Use your annual travel credit to offset fees, enjoy priority boarding upgrades, and boost your balance with anniversary points. Redeem for any Southwest® flight with no blackout dates and track everything effortlessly in the Southwest® app or online portal.

Terms apply. Bonus points and anniversary credits require qualifying purchases. Upgraded boardings subject to availability. See full terms for details.

Rewards

All Spending

1x

Southwest Rapid Rewards pts per dollar

Southwest flights

4x

Southwest Rapid Rewards pts per dollar

Gas

2x

Southwest Rapid Rewards pts per dollar

Restaurants

2x

Southwest Rapid Rewards pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries1x
$700/mo
Gas & EV2x
$200/mo
Transit1x
$100/mo
Restaurants2x
$300/mo
Pharmacy1x
$50/mo
Travel1x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

36,000

Southwest Rapid Rewards/yr

Estimated Value

$360

After Fees

+$131

1st Year Value

$631

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 2x4,800 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 2x7,200 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.2x
Total points earned36,000 pts
Value of points accumulated in the first year$360

Perks & Benefits

Priority Boarding

Included

Additional Benefits

  • First checked bag free for the Cardmember and up to eight additional passengers on the same reservation, a saving of up to $90 round trip.
  • Boarding benefit: the Cardmember and up to eight additional passengers on the same reservation board with Group 5.
  • Unlimited Extra Legroom seat upgrades within 48 hours of departure, when available.
  • 7,500 points every year on your Cardmember anniversary.
  • 10,000 Companion Pass qualifying points boost each year.
  • 25% back as a statement credit on Southwest Airlines inflight drink and WiFi purchases.
  • Up to $120 a year in Instacart credits, $10 monthly, plus a complimentary three-month Instacart+ membership.

Travel Insurance

Delayed Baggage

Up to $300

Lost Baggage

Up to $3,000

Travel Accident

Up to $500,000

Purchase Protection

Purchase Protection

Up to $500 / 120 days

Extended Warranty

+1 years

Auto Rental Collision (secondary, primary abroad)

Up to $60,000 / 31 days

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $229
  • Foreign currency conversion fee
    0%

Terms & Conditions

Card Features

  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
  • 7,500 anniversary points each year.
  • 3X points on Southwest® purchases.
  • 2X points on local transit & commuting (including rideshare).
  • 2X points on internet, cable & phone services; select streaming.
  • $75 Southwest® travel credit each year.
  • No foreign transaction fees.
  • Member FDIC

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