Southwest Speedy Rewards Precedence card evaluation: Full particulars

Southwest Speedy Rewards Precedence Credit score Card overview

The Southwest Speedy Rewards® Precedence Credit score Card (see charges and costs) is essentially the most rewarding of Southwest Airways’ private bank cards. It features a $229 annual price and seven,500 anniversary bonus factors. With essentially the most advantages of any of the cardboard choices, that is the cardboard to get for those who’re a Southwest loyalist. Card Score*: ⭐⭐⭐½

*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

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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 midst of sweeping adjustments, together with an up to date boarding course of beginning in January 2026 and baggage now not flying free.

Not like different airways, Southwest does not provide lounges, but it surely plans to implement premium cabins and has began retrofitting planes to incorporate seats with further legroom.

But it surely does provide a full suite of cobranded bank cards to assist frequent flyers fulfill their Southwest journey targets. These playing cards had been just lately refreshed, introducing all kinds of adjustments.

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 price enhance to $229.

This card received the Greatest Airline Cobranded Credit score Card award within the 2024 TPG Awards, however with the brand new adjustments, solely time will inform if it’s going to take residence the crown once more this 12 months.

The Southwest Precedence card has a advisable credit score rating of 670 or above and is essentially the most premium private bank card within the Southwest lineup.

However are its advantages worthwhile sufficient to warrant the $229 annual price, and is now the correct time so that you can apply? Let’s discover out.

Southwest Precedence Credit score Card execs and cons

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.

In keeping with TPG’s July 2025 valuations, the 100,000 factors included on this welcome provide are value $1,400.

This matches the perfect 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 choice ought to decide whether or not you apply for this card now or not; nevertheless, if the Companion Go does not curiosity you, this is a superb provide to benefit from. Know, although, that you might have the prospect 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 complete is predicated 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 increase you’d additionally earn.

Word that Southwest playing cards are topic to Chase’s 5/24 rule. In case you’ve opened 5 or extra bank cards prior to now 24 months (from all banks, not simply Chase), you might not be permitted.

Moreover, you may’t open a brand new private Southwest card when you’ve got one open. You additionally will not be capable of get a brand new welcome bonus from a private Southwest card for those who’ve obtained one prior to now 24 months.

Associated: Easy methods to rapidly earn the Southwest Companion Go

Southwest Precedence Credit score Card advantages

The Southwest Precedence card affords the next advantages, lots of which will help offset the annual price. Most advantages will make the day-of-travel expertise way more pleasing. It is vital to notice that present cardholders will obtain all their present advantages till Dec. 31.

Cardholders obtain:

• Anniversary bonus: In your card anniversary every year, you may obtain 7,500 Speedy Rewards factors, value $105 primarily based on TPG’s July 2025 valuations.
• Annual Southwest journey credit score: Throughout every cardmember 12 months, you may 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 Test-Ins yearly: These EarlyBird Test-Ins can value as a lot $99 (ends Dec. 31).
• 4 upgraded boardings per 12 months: For flights working in 2025, you may have the flexibility 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 regular 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): When you have A-list standing, you may board with an earlier group.
• Most well-liked seat choice at reserving: When accessible, 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 accessible, 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 essentially the most worthwhile perk offered 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 employ your card to buy inflight drinks and Wi-Fi.
• Tier qualifying factors increase: Earn 2,500 tier qualifying factors that depend towards A-Record and A-Record Most well-liked standing for each $5,000 you spend in a calendar 12 months.
• 10,000 Companion Go qualifying factors increase yearly: Cardholders obtain 10,000 factors towards a Companion Go every year.

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 international transaction charges, so it is a sensible choice for spending overseas.

Associated: Easy methods to get airline elite standing

Incomes factors with the Southwest Precedence Credit score Card

Here is what you may 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 lodge 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 companies and choose streaming purchases (2.8% return; ends Dec. 31)
• 1 level per greenback spent on all different purchases (1.4% return)

It is vital 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 shall be eliminated on the finish of the 12 months. You might be higher suited with different high journey playing cards, as their earnings will be much more profitable.

You will earn 5.6% again on Southwest purchases and a pair of.8% again on choose purchases (in response to TPG’s July 2025 valuations), which aren’t dangerous charges of return for a cobranded bank card. The addition of fuel and grocery as a bonus class is a welcome addition and helpful for individuals who plan to place a bulk of their on a regular basis spending on the cardboard.

Nonetheless, this might not be the perfect Southwest card for you for those who do not e-book Southwest flights usually or desire to make use of different portals for lodge and rental automotive bookings.

Associated: Greatest rewards bank cards

Redeeming factors with the Southwest Precedence Credit score Card

Redeeming Southwest Speedy Rewards factors with the Southwest Precedence card could be very simple.

Southwest award costs are instantly tied to the money worth of the ticket, that means the variety of factors you want for a flight will fluctuate, however you may 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 assist you to fly in first-class suites, they’ll present nice worth.

For 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 12 months. In the meantime, different airways usually cost 10,000 miles or much more (assuming yow will discover availability).

In case you e-book throughout one among Southwest’s flash gross sales, you would rating awards for lower than 2,500 factors one-way. You may even fly to enjoyable locations like Hawaii, Costa Rica and Mexico along with your Southwest factors.

For example, Emily Thompson, a e-newsletter and partnerships editor at TPG, just lately took benefit of one among 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 below 25,000 factors.

Associated: Easy methods 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 greatest.

• In order for you Southwest advantages with a extra modest price: The Southwest Speedy Rewards® Premier Credit score Card is the mid-tier card within the Southwest lineup, with a $149 annual price. Its advantages embody most well-liked seat choice when accessible, one 15% promotional code every cardmember anniversary, 6,000 anniversary bonus factors, a Companion Go qualifying factors increase perk and free checked baggage. To study extra, learn our full evaluation of the Southwest Premier card.
• In order for you a Southwest card with a fair decrease annual price: The Southwest Speedy Rewards® Plus Credit score Card (see charges and costs) has a $99 annual price and permits commonplace seat choice when accessible, gives one 10% promotional code every cardmember anniversary, affords 3,000 anniversary bonus factors, features a Companion Go qualifying factors increase perk and comes with free checked baggage. To study extra, learn our full evaluation of the Southwest Plus card.
• In order for you transferable factors to make use of with Southwest and different airways: The Chase Sapphire Most well-liked® Card (see charges and costs) earns Chase Final Rewards factors, which you’ll 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 lodge credit score on lodge bookings made via Chase Journey℠ and sturdy incomes classes for a $95 annual price. To study extra, learn our full evaluation of the Sapphire Most well-liked.

For extra choices, try our full record of journey bank cards.

Associated: Companion Go and bonus factors: Evaluating the Southwest Speedy Rewards Precedence, Premier and Plus bank cards

The knowledge 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 offered by the cardboard issuer.

Is the Southwest Precedence Credit score Card value it?

In case you fly Southwest at the very least just a few instances every year, you’ll come out forward with the Southwest Precedence card. Its on a regular basis incomes charges aren’t essentially the most profitable, however spectacular built-in perks like most well-liked seat choice (when accessible), 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, for those who fly Southwest much less usually, you may possible desire one among our different favourite airline playing cards.

Backside line

The Southwest Precedence card is essentially the most rewarding of Southwest Airways’ private bank cards, permitting you to earn a great stash of factors and get essentially the most advantages of any of the airline’s choices.

Regardless of the latest refresh and annual price enhance, that is nonetheless the perfect Southwest card for you for those who fly the service usually.

Nonetheless, for those who do not fly Southwest usually or need to hold your annual price prices decrease, you might need to go for one of many different Southwest cobranded playing cards or a card that earns transferable rewards.

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Apply right here: Southwest Speedy Rewards Precedence Credit score Card

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Associated: Easy methods to decide the correct journey bank card for you