For Southwest loyalists, a cobranded Southwest bank card is a good way to earn factors towards journey. And in the event you’re trying to earn a stable stash of Speedy Rewards factors, now is a superb 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 price will increase.
Nevertheless, with Southwest’s sweeping technique adjustments — a lot of which have already taken impact — it’s possible you’ll wish to consider what the airline will seem like later in 2025 and past.
Southwest is:
If you happen to’re accustomed to Southwest because it has been, it’s best to study 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 gives
This is a have a look at the Southwest welcome gives at first look:
| Card | Welcome supply | Provide worth* | Annual price |
|---|---|---|---|
| Southwest Speedy 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. Provide ends at 9 a.m. EDT on Sept. 18. | $1,350 | $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. Provide ends at 9 a.m. EDT on Sept. 18. | $1,350 | $149 |
| Southwest Speedy 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. Provide ends at 9 a.m. EDT on Sept. 18. | $1,350 | $229 |
| Southwest® Speedy 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. | $810 | $149 |
| Southwest® Speedy 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. | $1,080 | $299 |
*Welcome supply worth is predicated on TPG’s September 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 every year or it is your unique airline, take into account one among their cobranded bank cards.
Southwest Speedy Rewards Plus Credit score Card
Finest for: Novices 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 value $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 embody 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 gasoline stations and grocery shops every anniversary yr
- 2 factors per greenback spent on Southwest purchases
- 2 factors per greenback spent on commuting purchases and native transit, together with ride-hailing providers (ends Dec. 31)
- 2 factors per greenback spent on cable, web, cellphone providers and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Speedy Rewards automotive 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
- Customary 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 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 be taught extra, learn our full overview 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 price: $149
Welcome bonus: Earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This supply is value $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 with no Companion Move.
Incomes charges:
- New: 2 factors per greenback spent on the primary $8,000 in mixed spend at gasoline stations and grocery shops every anniversary yr
- 3 factors per greenback spent on Southwest purchases
- 2 factors per greenback spent on commuting purchases and native transit, together with ride-hailing providers (ends Dec. 31)
- 2 factors per greenback spent on cable, web, cellphone providers and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Speedy Rewards automotive 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 popular seat choice when accessible 48 hours previous to departure when accessible
- 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-Checklist standing
- 25% low cost on inflight purchases
- No overseas transaction charges
Be taught extra: Southwest Speedy Rewards Premier Credit score Card overview
Southwest Speedy Rewards Precedence Credit score Card
Finest for: Southwest loyalists who can make the most 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 value $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 with no Companion Move.
Incomes charges:
- New: 4 factors per greenback spent on Southwest purchases (beforehand 3 factors per greenback)
- New: 2 factors per greenback spent at gasoline stations and eating places, with no annual cap
- 2 factors per greenback spent on commuting purchases and native transit, together with ride-hailing providers (ends Dec. 31)
- 2 factors per greenback spent on cable, web, cellphone providers and choose streaming service purchases (ends Dec. 31)
- 2 factors per greenback spent on Speedy Rewards automotive 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 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 Move qualifying factors enhance yearly
- Limitless TQP incomes of two,500 for every $5,000 spent yearly towards A-Checklist standing
- 25% low cost on inflight purchases
- No overseas 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, learn our full overview of the Southwest Speedy Rewards Precedence Credit score Card.
Apply right here: Southwest Speedy Rewards Precedence Credit score Card
Southwest enterprise playing cards
If you happen to qualify for a enterprise bank card and fly Southwest often, take into account one among their cobranded enterprise playing cards.
Southwest Speedy Rewards Premier Enterprise Credit score Card
Finest 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 value $810 based mostly on TPG’s September 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 gasoline stations and grocery shops every anniversary yr
- 2 factors per greenback spent on commuting purchases, native transit and together with ride-hailing providers (ends Dec. 31)
- 2 factors per greenback spent on Speedy Rewards automotive rental and resort companions (ends Dec. 31)
- 1 level per greenback spent on all different purchases
Notable perks:
- $500 price 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 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 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 be taught extra, learn our full overview 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
Finest 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 value $1,080 based mostly on TPG’s September 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 spent on Speedy Rewards automotive rental and resort companions (ends Dec. 31)
- 2 factors per greenback spent on cable and cellphone providers, 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 gasoline stations and eating places, no annual cap
- New: 2 factors per greenback spent on lodges 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-Checklist elite standing
- $500 price 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 accessible
- Limitless upgrades to an extra-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 Move qualifying factors enhance 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 overview of the Southwest Speedy Rewards Efficiency Enterprise card.
Apply right here: Southwest Speedy 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. Nevertheless, a lot of its most outstanding and standard advantages, similar to free checked baggage with each ticket, have gone away, which makes issues completely different.
It is essential to notice that bank card holders will be capable to test one bag at no cost for themselves and as much as 8 companions on the reservation, which now prices $35 every manner.
Speedy Rewards A-Checklist Most popular and Enterprise Choose members will obtain two free checked baggage. A-list members will solely obtain one checked bag. Weight and measurement limits apply.
The variety of Southwest Speedy Rewards factors required to e-book a flight is now “dynamic,” which suggests redemption charges may very well 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 be now restricted to sure fare sorts.
You may get wonderful worth with the Companion Move provided on Southwest’s private playing cards. This perk means that you can carry alongside a chosen journey companion on all your Southwest flights — each paid and award tickets (however you should pay taxes and costs).
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 depend 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 yr. That is as a result of the usual Companion Move is legitimate for the yr it is earned and your complete following yr.
Southwest cardholders get a ten,000 TQP-point enhance in the beginning of the yr (for present cardholders) or inside 30 days of opening an account (for brand spanking new members).
To maximise your time with the Companion Move, it’s possible you’ll wish to time your bank card software in order that your welcome bonus will submit after the beginning of the brand new yr, in the event you can.
Backside line
If you happen to’re searching for a brand new Southwest card, you’ll be able to select from a few of the nice present welcome gives to earn a stable quantity of bonus factors. This is without doubt one of the highest factors gives we have seen, with a considerably decrease minimal spending requirement. These gives finish at 9 a.m. EDT on Sept. 18, so now’s your final probability.
If you happen to fly often with a companion, the 100,000 factors additionally put you a lot nearer to incomes the cross, which is value contemplating.
Simply hold the provider’s wide selection of adjustments occurring via 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