Loyalty Program: Southwest Rapid Rewards

  • Earn 3x points on Southwest Airlines purchases
  • Earning Southwest Companion Pass
  • Anniversary Bonus Points
Learn More
  • 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
Annual Fee
  • Primary card $149
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.49 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 20.49 %
Earning Rate
  • Local Transport2Miles
  • Telecom/Internet2Miles
  • Streaming services2Miles
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • Southwest Rapid Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Earn 3x points on Southwest Airlines purchases
  • Earning Southwest Companion Pass
  • Anniversary Bonus Points
Learn More
  • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 3X points on Southwest Airlines® purchases.
  • 2X points on Rapid Rewards® hotel & car rental partners.
  • 2X points on rideshare.
  • 1X point per $1 on all other purchases.
  • 2 EarlyBird Check-In® each year.
  • Member FDIC
Annual Fee
  • Primary card $99
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.49 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 20.49 %
Earning Rate
  • All Spending1Mile
  • Groceries1Mile
  • Gas1Mile
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
  • Earn 3x points on Southwest Airlines purchases
  • Earning Southwest Companion Pass
  • Anniversary Bonus Points
Learn More
  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
  • 6,000 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.
  • 2 EarlyBird Check-In® each year.
  • No foreign transaction fees.
  • Member FDIC
Annual Fee
  • Primary card $99
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.49 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 20.49 %
Earning Rate
  • Local Transport2Miles
  • Telecom/Internet2Miles
  • Streaming services2Miles
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
  • Earn 2x points on Southwest Airlines purchases
  • Earn Southwest Companion Pass
  • Anniversary Bonus Points
Learn More
  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
  • 3,000 anniversary points each year.
  • Earn 2X points on Southwest® purchases.
  • Earn 2X points on local transit & commuting (including rideshare).
  • Earn 2X points on internet, cable & phone services; select streaming.
  • 2 EarlyBird Check-In® each year.
  • Earn 1 point per $1 on all other purchases.
  • Member FDIC
Annual Fee
  • Primary card $69
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 3 %
Interest Rates
  • Purchase Rates 20.49 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 20.49 %
Earning Rate
  • Local Transport2Miles
  • Telecom/Internet2Miles
  • Streaming services2Miles
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • Southwest Rapid Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Earn 4x points on Southwest Airlines purchases
  • Anniversary Bonus Points
  • Upgraded Boarding
Learn More
  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
  • 9,000 bonus points after your Cardmember anniversary.
  • 4X points on Southwest® purchases.
  • 3X points on Rapid Rewards® hotel & car rental partners.
  • 2X points on rideshare.
  • 2X points on social media & search engine advertising, internet, cable, & phone services.
  • 1X points on all other purchases.
  • 4 Upgraded Boardings per year when available.
  • Member FDIC
Annual Fee
  • Primary card $199
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.49 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 20.49 %
Earning Rate
  • Local Transport2Miles
  • Recurring Payments2Miles
  • Telecom/Internet2Miles
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration

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