For Southwest loyalists, a cobranded Southwest bank card is an effective way to earn factors towards journey. And when you’re trying to earn a stable stash of Fast 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 price will increase.
Nonetheless, with Southwest’s sweeping technique modifications — lots of which have already taken impact — it’s possible you’ll wish to think about what the airline will appear to be later in 2025 and past.
Southwest is:
When you’re acquainted with Southwest because it has been, it is best to find out about 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 affords
Here is a take a look at the Southwest welcome affords at first look:
| Card | Welcome supply | Provide worth* | Annual price |
|---|---|---|---|
| Southwest Fast 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. Provide ends at 9 a.m. EDT on Sept. 18. | $1,350 | $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. Provide ends at 9 a.m. EDT on Sept. 18. | $1,350 | $149 |
| Southwest Fast 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. Provide ends at 9 a.m. EDT on Sept. 18. | $1,350 | $229 |
| Southwest® Fast 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. | $810 | $149 |
| Southwest® Fast 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. | $1,080 | $299 |
*Welcome supply worth relies on TPG’s September 2025 valuations.
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The data 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, contemplate considered one of their cobranded bank cards.
Southwest Fast Rewards Plus Credit score Card
Greatest for: Newcomers and rare vacationers
Annual price: $99
Welcome bonus: It is your final probability to earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This supply is price $1,350 based mostly on TPG’s September 2025 valuations and ends at 9 a.m. EDT on Sept. 18.
This matches the highest supply we have seen on the cardboard that did not embrace the coveted Companion Cross, 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 12 months
- 2 factors per greenback spent on Southwest purchases
- 2 factors per greenback spent on commuting purchases and native transit, together with ride-hailing companies (ends Dec. 31)
- 2 factors per greenback spent on cable, web, cellphone companies and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Fast Rewards automobile rental and resort 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
- Commonplace 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 Cross qualifying factors increase yearly
- One promotional 10% flight low cost every anniversary 12 months (excludes fundamental economic system)
- 25% low cost on inflight purchases
- No overseas transaction charges
To be taught extra, learn our full evaluate 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 price: $149
Welcome bonus: Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This supply is price $1,350 based mostly on TPG’s September 2025 valuations. It is your final probability for this supply because it ends at 9 a.m. EDT on Sept. 18.
This supply matches the highest supply we have seen on the cardboard and not using a Companion Cross.
Incomes charges:
- New: 2 factors per greenback spent on the primary $8,000 in mixed spend at fuel stations and grocery shops every anniversary 12 months
- 3 factors per greenback spent on Southwest purchases
- 2 factors per greenback spent on commuting purchases and native transit, together with ride-hailing companies (ends Dec. 31)
- 2 factors per greenback spent on cable, web, cellphone companies and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Fast Rewards automobile rental and resort 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 well-liked seat choice when out there 48 hours previous to departure when out there
- Two EarlyBird check-ins yearly (ends Dec. 31)
- Group 5 precedence boarding
- 6,000 bonus factors each cardholder anniversary
- 10,000 factors Companion Cross qualifying factors increase yearly
- One promotional 15% flight low cost every anniversary 12 months (excludes fundamental economic system)
- Limitless TQP incomes of 1,500 for every $5,000 spent yearly towards A-Listing standing
- 25% low cost on inflight purchases
- No overseas transaction charges
Study extra: Southwest Fast Rewards Premier Credit score Card evaluate
Southwest Fast Rewards Precedence Credit score Card
Greatest for: Southwest loyalists who can reap the benefits of day-of-travel perks
Annual price: $229
Welcome bonus: Final probability to earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This supply is price $1,350 based mostly on TPG’s September 2025 valuations and it ends at 9 a.m. EDT on Sept. 18.
This supply matches the highest supply we have seen on the cardboard and not using a Companion Cross.
Incomes charges:
- New: 4 factors per greenback spent on Southwest purchases (beforehand 3 factors per greenback)
- New: 2 factors per greenback spent at fuel stations and eating places, with no annual cap
- 2 factors per greenback spent on commuting purchases and native transit, together with ride-hailing companies (ends Dec. 31)
- 2 factors per greenback spent on cable, web, cellphone companies and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Fast Rewards automobile rental and resort companions (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 extra-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 well-liked seat choice when out there at reserving
- Two EarlyBird check-ins yearly (ends Dec. 31)
- Group 5 precedence boarding
- 10,000 factors Companion Cross qualifying factors increase yearly
- Limitless TQP incomes of two,500 for every $5,000 spent yearly towards A-Listing 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 12 months in a row on the 2024 TPG Awards.
To be taught extra, learn our full evaluate of the Southwest Fast Rewards Precedence Credit score Card.
Apply right here: Southwest Fast Rewards Precedence Credit score Card
Southwest enterprise playing cards
When you qualify for a enterprise bank card and fly Southwest ceaselessly, contemplate considered one of their cobranded enterprise playing cards.
Southwest Fast Rewards Premier Enterprise Credit score Card
Greatest for: Enterprise house owners who fly Southwest frequently
Annual price: $149
Welcome bonus: Earn 60,000 bonus factors after spending $3,000 within the first three months from account opening. This supply is price $810 based mostly on TPG’s September 2025 valuations.
That is the usual welcome supply we sometimes 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 12 months
- 2 factors per greenback spent on commuting purchases, native transit and together with ride-hailing companies (ends Dec. 31)
- 2 factors per greenback spent on Fast Rewards automobile rental and resort companions (ends Dec. 31)
- 1 level per greenback spent on all different purchases
Notable perks:
- $500 price 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 well-liked 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 12 months (excluding Fundamental fares)
- 10,000 Companion Cross qualifying factors increase yearly
- Limitless TQPs incomes of two,000 for every $5,000 spent yearly
- 25% low cost on inflight purchases
- No overseas transaction charges
To be taught extra, learn our full evaluate 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
Greatest for: Enterprise house owners who’re loyal Southwest flyers
Annual price: $299
Welcome bonus: Earn 80,000 bonus factors after spending $5,000 within the first three months of account opening. This supply is price $1,080 based mostly on TPG’s September 2025 valuations.
That is the usual welcome supply we sometimes see on this card.
Incomes charges:
- 4 factors per greenback spent on Southwest purchases
- 3 factors per greenback spent on Fast Rewards automobile rental and resort companions (ends Dec. 31)
- 2 factors per greenback spent on cable and cellphone companies, web, paid search promoting and social media (ends Dec. 31)
- 2 factors per greenback spent on commuting purchases and native transit
- 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 12 months (ends Dec. 31)
- As much as 365 inflight Wi-Fi credit per 12 months (ends Dec. 31)
- Earn tier-qualifying factors towards A-Listing elite standing
- $500 price 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 well-liked seat choice at reserving when out there
- Limitless upgrades to an extra-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 Cross qualifying factors increase yearly
- Limitless TQPs incomes of two,500 for every $5,000 spent yearly
- As much as $120 International Entry/TSA PreCheck credit score
- New: 25% low cost on inflight purchases
- No overseas transaction charges
To be taught extra, learn our full evaluate of the Southwest Fast Rewards Efficiency Enterprise card.
Apply right here: Southwest Fast Rewards Efficiency Enterprise Credit score Card
Do you have to apply for a Southwest bank card now?
Southwest has many followers who love the airline’s persona. Nonetheless, lots of its most distinguished and widespread advantages, reminiscent of free checked luggage with each ticket, have gone away, which makes issues completely different.
It is essential to notice that bank card holders will be capable of test one bag without spending a dime for themselves and as much as 8 companions on the reservation, which now prices $35 every method.
Fast Rewards A-Listing Most well-liked and Enterprise Choose members will obtain two free checked luggage. A-list members will solely obtain one checked bag. Weight and measurement limits apply.
The variety of Southwest Fast Rewards factors required to ebook a flight is now “dynamic,” which suggests redemption charges might 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 sorts get waived charges. Free same-day standby can also be now restricted to sure fare sorts.
You may get glorious worth with the Companion Cross provided on Southwest’s private playing cards. This perk lets you convey alongside a chosen journey companion on your entire Southwest flights — each paid and award tickets (however you will need to pay taxes and charges).
To get a Companion Cross, you will need to earn 135,000 qualifying factors or take 100 qualifying, one-way flights in a calendar 12 months. Moreover, bank card welcome bonuses and factors earned from card spending rely towards qualification.
You’ll be able to obtain almost 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 12 months. That is as a result of the usual Companion Cross is legitimate for the 12 months it is earned and your entire following 12 months.
Southwest cardholders get a ten,000 TQP-point increase initially of the 12 months (for current cardholders) or inside 30 days of opening an account (for brand new members).
To maximise your time with the Companion Cross, it’s possible you’ll wish to time your bank card software in order that your welcome bonus will publish after the beginning of the brand new 12 months, when you can.
Backside line
When you’re in search of a brand new Southwest card, you possibly can select from a few of the nice present welcome affords to earn a stable quantity of bonus factors. This is among the highest factors affords we have seen, with a considerably decrease minimal spending requirement. These affords finish at 9 a.m. EDT on Sept. 18, so now’s your final probability.
When you fly ceaselessly with a companion, the 100,000 factors additionally put you a lot nearer to incomes the move, which is price contemplating.
Simply preserve the service’s big selection of modifications occurring by means of 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
Study extra: Southwest Fast Rewards Premier Credit score Card
