For Southwest loyalists, a cobranded Southwest bank card is a good way to earn factors towards journey. And should you’re trying to earn a strong stash of Speedy Rewards factors, now is a superb time so as to add a private card to your pockets.
These playing cards have been not too long ago revamped with some thrilling and not-so-exciting modifications together with new advantages, decreased earnings charges and annual payment will increase.
Nonetheless, with Southwest’s sweeping technique modifications — lots of which have already taken impact — you could need to think about what the airline will seem like later in 2025 and past.
Southwest is:
When you’re accustomed to Southwest because it has been, it’s best to study its upcoming modifications earlier than you decide.
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 provides
This is a have a look at the Southwest welcome provides at first look:
| Card | Welcome supply | Supply worth* | Annual payment |
|---|---|---|---|
| Southwest Speedy Rewards® Plus Credit score Card(see charges and charges) | 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 charges) | 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 charges) | 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 charges) | Earn 80,000 bonus factors after spending $5,000 within the first three months of account opening. | $1,120 | $299 |
*Welcome supply worth relies on TPG’s July 2025 valuations.
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The knowledge 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 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, think about certainly one of their cobranded bank cards.
Southwest Speedy Rewards Plus Credit score Card
Greatest for: Learners and rare vacationers
Annual payment: $99
Welcome bonus: Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This supply is price $1,400 primarily based on TPG’s July 2025 valuations.
This matches the very best supply we have seen on the cardboard that did not embrace 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 fuel stations and grocery shops every anniversary yr
- 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, telephone providers and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Speedy Rewards lodge 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
- Normal seat choice 48 hours previous to departure when out there
- 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 yr (excludes fundamental economic system)
- 25% low cost on inflight purchases
- No overseas transaction charges
To study extra, try our full evaluation 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 payment: $149
Welcome bonus: Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This supply is price $1,400 primarily based on TPG’s July 2025 valuations.
This supply matches the very best supply we have seen on the cardboard with out a Companion Move.
Incomes charges:
- New: 2 factors per greenback spent on the primary $8,000 in mixed spend at fuel stations and grocery shops every anniversary yr
- 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, telephone providers and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Speedy Rewards lodge 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 out there 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 yr (excludes fundamental 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 knowledge 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 supplied by the cardboard issuer.
Be taught extra: Southwest Speedy Rewards Premier Credit score Card evaluation
Southwest Speedy Rewards Precedence Credit score Card
Greatest for: Southwest loyalists who can reap the benefits of day-of-travel perks
Annual payment: $229
Welcome bonus: Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This supply is price $1,400 primarily based on TPG’s July 2025 valuations.
This supply matches the very best supply we have seen on the cardboard with out a Companion Move.
Incomes charges:
- New: 4 factors per greenback spent on Southwest purchases (up from 3x)
- New: 2 factors per greenback spent at fuel 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, telephone providers and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Speedy Rewards lodge and automotive rental companions and 1 level per greenback on the whole lot 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 out there
- Free first checked bag for you and as much as 8 journey companions
- Most popular seat choice when out there 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 yr in a row on the 2024 TPG Awards.
To study extra, try our full evaluation of the Southwest Speedy Rewards Precedence Credit score Card.
Apply right here: Southwest Speedy Rewards Precedence Credit score Card
Southwest enterprise playing cards
When you qualify for a enterprise bank card and fly Southwest regularly, think about certainly one of their cobranded enterprise playing cards.
Southwest Speedy Rewards Premier Enterprise Credit score Card
Greatest for: Enterprise house owners who fly Southwest frequently
Annual payment: $149
Welcome bonus: Earn 60,000 bonus factors after spending $3,000 within the first three months from account opening. This supply is price $840 primarily based on TPG’s July 2025 valuations.
That is the usual welcome supply we usually 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 fuel stations and grocery shops every anniversary yr
- 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 lodge and automotive rental companions (ends Dec. 31)
- 1 level per greenback spent on all different purchases
Notable perks:
- $500 payment 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 out there
- Group 5 precedence boarding
- 6,000 bonus factors each cardholder anniversary
- 15% flight low cost promo code every anniversary yr (excluding Fundamental 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 study extra, try our full evaluation 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 house owners who’re loyal Southwest flyers
Annual payment: $299
Welcome bonus: Earn 80,000 bonus factors after spending $5,000 within the first three months of account opening. This supply is price $1,120 primarily based on TPG’s July 2025 valuations.
That is the usual welcome supply we usually see on this card.
Incomes charges:
- 4 factors per greenback spent on Southwest purchases
- 3 factors per greenback on Speedy Rewards lodge and automotive rental companions (ends Dec. 31)
- 2 factors per greenback on social media and paid search promoting, web, cable and telephone providers (ends Dec. 31)
- 2 factors per greenback spent on native transit and commuting purchases
- New: 2 factors per greenback spent on at fuel stations and eating places, no annual cap
- New: 2 factors per greenback spent on resorts booked instantly
- 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-Record elite standing
- $500 payment 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 out there
- Limitless upgrades to an additional legroom seat 48 hours previous to departure at no cost when out there
- 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 World Entry/TSA PreCheck credit score
- New: 25% low cost on inflight purchases
- No overseas transaction charges.
To study extra, try our full evaluation of the Southwest Speedy Rewards Efficiency Enterprise card.
Apply right here: Southwest Speedy Rewards Efficiency Enterprise Credit score Card
Must you apply for a Southwest bank card now?
Southwest has many followers who love the airline’s persona. Nonetheless, lots of its most distinguished and common advantages, reminiscent of free checked baggage with each ticket, have gone away which makes issues completely different.
It is necessary to notice that bank card holders will have the ability to examine one bag without cost for themselves and as much as 8 companions on the reservation, which now prices $35 every approach.
The variety of Southwest Speedy Rewards factors required to guide a flight is now “dynamic,” which suggests redemption charges might be larger 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 provided on Southwest’s private playing cards. This perk permits you to carry alongside a chosen journey companion on your whole Southwest flights — each paid and award tickets (however you should pay taxes and charges).
To get a Companion Move, you should 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 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 yr. That is as a result of the usual Companion Move is legitimate for the yr it is earned and the whole following yr.
Southwest cardholders get a ten,000 TQP-point enhance at first of the yr (for present cardholders) or inside 30 days of opening an account (for brand new members).
To maximise your time with the Companion Move, you could need to time your bank card utility in order that your welcome bonus will put up after the beginning of the brand new yr, should you can.
Backside line
When you’re searching for a brand new Southwest card, you may select from a few of the nice present welcome provides to earn a strong quantity of bonus factors. This is without doubt one of the highest factors provides we have seen, with a considerably much less spending requirement, so now often is the proper time to use.
When you fly regularly with a companion, the 100,000 factors additionally places you a lot nearer to incomes the move, which is price contemplating.
Simply preserve the service’s big selection of modifications in thoughts taking place by way 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
