Southwest Speedy Rewards Plus Credit score Card evaluate: Full particulars

Southwest Speedy Rewards Plus Credit score Card overview

The Southwest Speedy Rewards® Plus Credit score Card (see charges and charges) has the bottom annual price of any Southwest Airways bank card available on the market, which is both a energy or a weak spot, relying on the way you have a look at it. Whereas the $99 annual price is reasonably priced, the Southwest Plus card lacks the perks provided by its higher-priced counterparts to maintain you previous the preliminary welcome bonus. Card score*: ⭐⭐⭐

* Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

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In a passion that feels dominated by ultrapremium bank cards with $550-plus annual charges and laundry lists of luxurious perks, it is onerous to think about {that a} cobranded airline bank card with a $99 annual price is perhaps beneficial to loyal Southwest Airways clients.

Nevertheless, the Southwest Plus card does make sense for some flyers, in some instances.

This card, together with the opposite 4 cobranded Southwest playing cards, was lately refreshed. The Southwest Plus card refresh included expanded day-of-travel advantages and up to date bonus class earnings. Along with these modifications, there was an approximate 44% annual price improve to $99.

It is also essential to notice that Southwest is in the midst of sweeping modifications, together with to its boarding course of, bag charges and seat assignments.

We sometimes advocate that candidates have a credit score rating of 670 or above to extend their possibilities of approval.

Let’s take a look at how the Southwest Plus card and its perks measure up in opposition to its higher-end siblings.

Associated: How to decide on an airline bank card

Southwest Speedy Rewards Plus Credit score Card execs and cons

Associated: Bank cards 101: The newbies information

Southwest Speedy Rewards Plus Credit score Card welcome provide

New Southwest Plus cardholders can earn 100,000 bonus factors after spending $4,000 on purchases within the first 5 months from account opening.

In response to TPG’s July 2025 valuations, the 100,000 factors included on this welcome provide are price $1,400. That is the very best factors welcome provide we have seen on this card and not using a Companion Cross.

If in case you have somebody who frequently travels with you, you could need to anticipate a proposal that features the Companion Cross, as it may well add considerably extra worth for you.

Consider you might have the prospect to earn the welcome bonus and a Companion Cross (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 Cross.

*This whole relies on the 100,000 factors you’d earn from the welcome bonus, plus the extra 4,000 factors you’d obtain from the spending requirement and the enhance of 10,000 Companion Cross-qualifying factors you’d additionally earn.

Earlier than you rush to use for this card, there are two software guidelines to recollect. First, the Southwest Plus card is topic to Chase’s 5/24 rule. In the event you’ve opened 5 or extra new bank card accounts (from any financial institution, not simply Chase) previously 24 months, you seemingly will not be authorised for this card.

One other limitation applies particularly to Southwest bank cards. If in case you have any private Southwest bank card — or earned a welcome bonus on a private Southwest card within the final 24 months — you will not be eligible for the bonus on this card.

Associated: The final word information to bank card software restrictions

Southwest Speedy Rewards Plus Credit score Card advantages

The Southwest Plus card affords perks past the welcome bonus. It is essential to notice that present cardholders will obtain all their present advantages till Dec. 31.

You will get pleasure from the next ongoing advantages in alternate for the cardboard’s $99 annual price:

• Free checked bag: Obtain the primary checked bag for cardholders and as much as eight passengers touring on the identical reservation.
• Commonplace seat choice: Cardholders obtain complimentary normal seat choice inside 48 hours of departure for you and as much as eight passengers touring on the identical reservation. On condition that seat choice now comes with a cost, this perk might be extraordinarily beneficial relying on how steadily you fly Southwest.
• Two annual EarlyBird Test-Ins: Obtain two complimentary EarlyBird Test-Ins (for flights working in 2025; ends Dec. 31). Given these check-ins can price as much as $99 every, utilizing only one may doubtlessly cowl the cardboard’s annual price in 2025.
• Precedence boarding: Cardholders obtain Group 5 precedence (for 2026 and past) for themselves and as much as eight passengers touring on the identical reservation. If in case you have A-Record standing, it is possible for you to to board with an earlier group.
• Anniversary bonus: Cardholders obtain 3,000 bonus factors every account anniversary yr, price $42 in accordance with TPG’s July 2025 valuations.
• Enhance of 10,000 Companion Cross-qualifying factors yearly: Cardholders obtain a ten,000-point enhance towards a Companion Cross every year.
• 25% inflight financial savings: Cardholders obtain 25% again (as a press release credit score) after utilizing their card to buy inflight drinks and Wi-Fi.
• Flight low cost code: Cardholders obtain one promotional 10% flight low cost code every anniversary yr (excluding Fundamental fares).

Southwest Plus cardholders will obtain the next buy and journey protections:

Incomes factors on the Southwest Speedy Rewards Plus Credit score Card

With the Southwest Plus card, you may earn:

• New: 2 factors per greenback spent at gasoline stations and grocery shops, on the primary $5,000 in mixed purchases per yr (a 2.8% return, primarily based on TPG’s July 2025 valuations)
• 2 factors per greenback spent on Southwest purchases (2.8% return)
• 2 factors per greenback spent on Speedy Rewards lodge and rental automobile companions (2.8% return; ends Dec. 31)
• 2 factors per greenback spent on native transit and commuting, together with ride-hailing companies (2.8% return; ends Dec. 31)
• 2 factors per greenback spent on web, cable and cellphone companies; 2 factors per greenback spent on choose streaming companies (2.8% return; ends Dec. 31)
• 1 level per greenback spent on all different purchases (1.4% return)

It is essential to notice that present cardholders will obtain the present and new incomes charges till Dec. 31.

This card now has no overseas transaction charges, so it is a good choice for making purchases overseas.

These are first rate incomes charges for a cobranded airline card, however the incomes charge on Southwest purchases is decrease than that of the opposite private Southwest playing cards. In case your foremost motivation for getting this card is to earn bonus factors in your Southwest purchases, you may in all probability need to go together with a kind of as an alternative.

Associated: Are airline bank cards price it anymore?

Redeeming factors on the Southwest Speedy Rewards Plus Credit score Card

Redeem the Speedy Rewards factors you earn on the Southwest Plus card for Southwest flights to get the perfect worth from them.

Speedy Rewards additionally affords different redemption choices, together with reward playing cards, merchandise, lodge stays, rental vehicles and journey experiences. Nevertheless, the redemption values on these choices are a lot decrease than what you may get when utilizing your factors for Southwest flights.

Award pricing is tied to the money value of the tickets. So, the variety of factors you want will go up or down relying on the money value of the flight. The constructive is that utilizing your factors for Southwest flights is sort of at all times doable.

TPG Senior Director of Content material Summer time Hull redeemed 11,000 Speedy Rewards factors to journey from Houston all the best way to Lihue in Hawaii. Securing redemptions like these could make your factors go even additional.

Associated: Methods to redeem factors with the Southwest Speedy Rewards program

Which playing cards compete with the Southwest Speedy Rewards Plus Credit score Card?

The Southwest Plus card’s most evident rivals are the opposite Southwest bank cards. Nevertheless, it is also price contemplating whether or not a normal journey bank card may match higher in your pockets.

• If you need extra Southwest advantages with a modest price: The Southwest Speedy Rewards® Premier Credit score Card has strong perks to justify its $99 annual price. These embrace 6,000 anniversary bonus factors, two EarlyBird Test-Ins per yr (for flights working in 2025; ends Dec. 31), 25% again on inflight purchases and tier qualifying factors towards A-Record standing. To study extra, learn our full evaluate of the Southwest Premier card.
• In the event you fly Southwest frequently and need essentially the most perks: The Southwest Speedy Rewards® Precedence Credit score Card (see charges and charges) is essentially the most premium private Southwest bank card and has a $229 annual price. It affords perks like 7,500 anniversary bonus factors and an annual $75 Southwest journey credit score (ends Dec. 31). To study extra, learn our full evaluate of the Southwest Precedence card.
• If you need extra factors that can be utilized with Southwest and in different methods: The Chase Sapphire Most popular® Card (see charges and charges) is an effective alternative for incomes Chase Final Rewards factors, which you’ll be able to redeem with Southwest and different airline and lodge companions. You will additionally get quite a few journey protections, and the cardboard has a $95 annual price. To study extra, learn our full evaluate of the Sapphire Most popular.

The data 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 offered by the cardboard issuer.

For extra choices, try our full record of the perfect journey bank cards and finest Chase bank cards.

Associated: Evaluating the Southwest Speedy Rewards Precedence, Premier and Plus bank cards

Is the Southwest Speedy Rewards Plus Credit score Card price it?

The Southwest Plus card has the bottom annual price of the Southwest bank cards at $99, so it is a good choice for these holding annual price prices low or simply making an attempt out Southwest. Nevertheless, should you’re a loyal Southwest flyer, one of many different two private playing cards will symbolize higher worth.

Backside line

For less than $99 per yr, the Southwest Plus card permits you to earn sufficient factors to make it nicely definitely worth the annual price. Plus, it comes with a handful of advantages, like normal seat choice inside 48 hours of departure and a free first checked bag, that may justify holding the cardboard in your pockets yearly.

Nevertheless, should you fly with Southwest typically, one of many different two Southwest playing cards will present extra perks. You should definitely consider what’s finest for you past merely wanting on the annual price.

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Apply right here: Southwest Speedy Rewards Plus Credit score Card

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