For Southwest loyalists, a cobranded Southwest bank card is a good way to earn factors towards journey. And in case you’re trying to earn a strong stash of Fast Rewards factors, now is a good time so as to add a private card to your pockets.
These playing cards had been not too long ago revamped with some thrilling and not-so-exciting adjustments together with new advantages, decreased earnings charges and annual charge will increase.
Nonetheless, with Southwest’s sweeping technique adjustments — lots of which have already taken impact — it’s possible you’ll wish to consider what the airline will appear like later in 2025 and past.
Southwest is:
If you happen to’re accustomed to Southwest because it has been, it’s best to find out about its upcoming adjustments 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 affords
Here is a have a look at the Southwest welcome affords at first look:
| Card | Welcome provide | Provide worth* | Annual charge |
|---|---|---|---|
| Southwest Fast Rewards® Plus Credit score Card(see charges and costs) | Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. | $1,400 | $99 |
| Southwest Fast 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 Fast Rewards® Precedence Credit score Card (see charges and costs) | Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. | $1,400 | $229 |
| Southwest® Fast Rewards® Premier Enterprise Credit score Card (see charges and costs) | Earn 60,000 bonus factors after spending $3,000 within the first three months of account opening. | $840 | $149 |
| Southwest® Fast Rewards® Efficiency Enterprise Credit score Card (see charges and costs) | Earn 80,000 bonus factors after spending $5,000 within the first three months of account opening. | $1,120 | $299 |
*Welcome provide worth relies on TPG’s July 2025 valuations.
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The knowledge for the Southwest Fast 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 every year or it is your unique airline, take into account one among their cobranded bank cards.
Southwest Fast Rewards Plus Credit score Card
Finest for: Inexperienced persons and rare vacationers
Annual charge: $99
Welcome bonus: Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This provide is value $1,400 based mostly on TPG’s July 2025 valuations.
This matches the best provide we have seen on the cardboard that did not embody the coveted Companion Go 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, cellphone providers and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Fast Rewards resort 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 accessible
- Two EarlyBird check-ins yearly (ends Dec. 31)
- Group 5 precedence boarding
- 3,000 bonus factors each cardholder anniversary
- 10,000 companion Go qualifying factors increase yearly
- One promotional 10% flight low cost every anniversary yr (excludes fundamental financial system)
- 25% low cost on inflight purchases
- No international transaction charges
To be taught extra, try our full evaluation of the Southwest Fast Rewards Plus Credit score Card.
Apply right here: Southwest Fast Rewards Plus Credit score Card
Southwest Fast Rewards Premier Credit score Card
Best for: Common Southwest flyers
Annual charge: $149
Welcome bonus: Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This provide is value $1,400 based mostly on TPG’s July 2025 valuations.
This provide matches the best provide we have seen on the cardboard with no Companion Go.
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, cellphone providers and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Fast Rewards resort 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 accessible 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 Go qualifying factors increase yearly
- One promotional 15% flight low cost every anniversary yr (excludes fundamental financial system)
- Limitless TQP incomes of 1,500 for every $5,000 spent yearly towards A-Record standing
- 25% low cost on inflight purchases
- No international transaction charges
The knowledge for the Southwest Fast 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 Fast Rewards Premier Credit score Card evaluation
Southwest Fast Rewards Precedence Credit score Card
Finest for: Southwest loyalists who can make the most of day-of-travel perks
Annual charge: $229
Welcome bonus: Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This provide is value $1,400 based mostly on TPG’s July 2025 valuations.
This provide matches the best provide we have seen on the cardboard with no Companion Go.
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, cellphone providers and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Fast Rewards resort and automotive rental companions and 1 level per greenback on every part 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 accessible
- Free first checked bag for you and as much as 8 journey companions
- Most popular seat choice when accessible at reserving
- Two EarlyBird check-ins yearly (ends Dec. 31)
- Group 5 precedence boarding
- 10,000 factors companion Go qualifying factors increase yearly
- Limitless TQP incomes of two,500 for every $5,000 spent yearly towards A-Record standing
- 25% low cost on inflight purchases
- No international transaction charges
TPG named this card the Finest Airline Cobranded Credit score Card for the second yr in a row on the 2024 TPG Awards.
To be taught extra, try our full evaluation of the Southwest Fast Rewards Precedence Credit score Card.
Apply right here: Southwest Fast Rewards Precedence Credit score Card
Southwest enterprise playing cards
If you happen to qualify for a enterprise bank card and fly Southwest incessantly, take into account one among their cobranded enterprise playing cards.
Southwest Fast Rewards Premier Enterprise Credit score Card
Finest for: Enterprise homeowners who fly Southwest repeatedly
Annual charge: $149
Welcome bonus: Earn 60,000 bonus factors after spending $3,000 within the first three months from account opening. This provide is value $840 based mostly on TPG’s July 2025 valuations.
That is the usual welcome provide 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 Fast Rewards resort and automotive rental companions (ends Dec. 31)
- 1 level per greenback spent on all different purchases
Notable perks:
- $500 charge credit score for Fast Rewards factors transfers to a different Fast 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 accessible
- Group 5 precedence boarding
- 6,000 bonus factors each cardholder anniversary
- 15% flight low cost promo code every anniversary yr (excluding Primary fares)
- 10,000 companion Go qualifying factors increase yearly
- Limitless TQPs incomes of two,000 for every $5,000 spent yearly
- 25% low cost on inflight purchases
- No international transaction charges
To be taught extra, try our full evaluation of the Southwest Fast Rewards Premier Enterprise card.
Apply right here: Southwest Fast Rewards Premier Enterprise Credit score Card
Southwest Fast Rewards Efficiency Enterprise Credit score Card
Finest for: Enterprise homeowners who’re loyal Southwest flyers
Annual charge: $299
Welcome bonus: Earn 80,000 bonus factors after spending $5,000 within the first three months of account opening. This provide is value $1,120 based mostly on TPG’s July 2025 valuations.
That is the usual welcome provide we usually see on this card.
Incomes charges:
- 4 factors per greenback spent on Southwest purchases
- 3 factors per greenback on Fast Rewards resort and automotive rental companions (ends Dec. 31)
- 2 factors per greenback on social media and paid search promoting, web, cable and cellphone 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 motels booked immediately
- 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 charge credit score for Fast Rewards factors transfers to a different Fast 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 accessible
- Limitless upgrades to an additional legroom seat 48 hours previous to departure at no cost when accessible
- Group 5 precedence boarding
- 9,000 factors each cardholder anniversary
- 10,000 companion Go qualifying factors increase 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 international transaction charges.
To be taught extra, try our full evaluation of the Southwest Fast Rewards Efficiency Enterprise card.
Apply right here: Southwest Fast 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 in style advantages, reminiscent of free checked luggage with each ticket, have gone away which makes issues totally different.
It is vital to notice that bank card holders will be capable of verify one bag totally free for themselves and as much as 8 companions on the reservation, which now prices $35 every manner.
The variety of Southwest Fast Rewards factors required to e-book a flight is now “dynamic,” which suggests redemption charges could possibly be greater or decrease relying on the flight’s demand.
Moreover, Southwest adjusted its coverage towards cancellation and alter charges and now solely sure fare varieties get waived charges. Free same-day standby is now additionally restricted to sure fare varieties.
You may get wonderful worth with the Companion Go provided on Southwest’s private playing cards. This perk means that you can deliver alongside a chosen journey companion on your entire Southwest flights — each paid and award tickets (however you have to pay taxes and costs).
To get a Companion Go, you have to 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 possibly can 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 Go is legitimate for the yr it is earned and all the following yr.
Southwest cardholders get a ten,000 TQP-point increase initially of the yr (for current cardholders) or inside 30 days of opening an account (for brand new members).
To maximise your time with the Companion Go, it’s possible you’ll wish to time your bank card utility in order that your welcome bonus will put up after the beginning of the brand new yr, in case you can.
Backside line
If you happen to’re on the lookout for a brand new Southwest card, you possibly can select from a number of the nice present welcome affords to earn a strong quantity of bonus factors. This is without doubt one of the highest factors affords we have seen, with a considerably much less spending requirement, so now would be the proper time to use.
If you happen to fly incessantly with a companion, the 100,000 factors additionally places you a lot nearer to incomes the move, which is value contemplating.
Simply maintain the service’s big selection of adjustments in thoughts occurring via the remainder of 2025 and 2026.
Apply right here: Southwest Fast Rewards Plus Credit score Card
Apply right here: Southwest Fast Rewards Precedence Credit score Card
Apply right here: Southwest Fast Rewards Premier Enterprise Credit score Card
Apply right here: Southwest Fast Rewards Efficiency Enterprise Credit score Card
Be taught extra: Southwest Fast Rewards Premier Credit score Card
