For Southwest loyalists, a cobranded Southwest bank card is an effective way to earn factors towards journey. And should you’re trying to earn a strong stash of Speedy Rewards factors, now is a good time so as to add a private card to your pockets.
These playing cards had been lately revamped with some thrilling and not-so-exciting modifications, together with new advantages, decreased earnings charges and annual charge will increase.
Nonetheless, with Southwest’s sweeping technique modifications — lots of which have already taken impact — chances are you’ll wish to consider what the airline will appear like later in 2025 and past.
Southwest is:
In case you’re aware of Southwest because it has been, it’s best to find out about its upcoming modifications earlier than making a decision.
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 presents
Here is a have a look at the Southwest welcome presents at first look:
*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 instances annually or it is your unique airline, think about considered one of their cobranded bank cards.
Southwest Speedy Rewards Plus Credit score Card
Greatest for: Inexperienced persons and rare vacationers
Annual charge: $99
Welcome bonus: It is your final likelihood to earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This supply is value $1,350 primarily based on TPG’s September 2025 valuations and ends at 9 a.m. EDT on Sept. 18.
This matches the best 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 gasoline stations and grocery shops every anniversary year2 factors per greenback spent on Southwest purchases2 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 Speedy 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 companionsStandard seat choice 48 hours previous to departure when availableTwo EarlyBird check-ins yearly (ends Dec. 31)Group 5 precedence boarding3,000 bonus factors each cardholder anniversary10,000 Companion Cross qualifying factors enhance annuallyOne promotional 10% flight low cost every anniversary yr (excludes primary economic system)25% low cost on inflight purchasesNo international transaction charges
To study extra, learn our full assessment 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
Greatest 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 supply is value $1,350 primarily based on TPG’s September 2025 valuations. It is your final likelihood for this supply because it ends at 9 a.m. EDT on Sept. 18.
This supply matches the best supply we have seen on the cardboard with out a Companion Cross.
Incomes charges:
New: 2 factors per greenback spent on the primary $8,000 in mixed spend at gasoline stations and grocery shops every anniversary year3 factors per greenback spent on Southwest purchases2 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 Speedy 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 companionsPreferred seat choice when accessible 48 hours previous to departure when availableTwo EarlyBird check-ins yearly (ends Dec. 31)Group 5 precedence boarding6,000 bonus factors each cardholder anniversary10,000 factors Companion Cross qualifying factors enhance annuallyOne promotional 15% flight low cost every anniversary yr (excludes primary economic system)Limitless TQP incomes of 1,500 for every $5,000 spent yearly towards A-Checklist status25% low cost on inflight purchasesNo international transaction charges
Be taught extra: Southwest Speedy Rewards Premier Credit score Card assessment
Southwest Speedy Rewards Precedence Credit score Card
Greatest for: Southwest loyalists who can benefit from day-of-travel perks
Annual charge: $229
Welcome bonus: Final likelihood to earn 100,000 bonus factors after spending $4,000 within the first 5 months of account opening. This supply is value $1,350 primarily based on TPG’s September 2025 valuations and it ends at 9 a.m. EDT on Sept. 18.
This supply matches the best supply we have seen on the cardboard with out 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 gasoline stations and eating places, with no annual cap2 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 Speedy 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 bonusUnlimited upgrades to extra-legroom seats inside 48 hours of departure at no cost when availableFree first checked bag for you and as much as 8 journey companionsPreferred seat choice when accessible at bookingTwo EarlyBird check-ins yearly (ends Dec. 31)Group 5 precedence boarding10,000 factors Companion Cross qualifying factors enhance annuallyUnlimited TQP incomes of two,500 for every $5,000 spent yearly towards A-Checklist status25% low cost on inflight purchasesNo international transaction charges
TPG named this card the Greatest Airline Cobranded Credit score Card for the second yr in a row on the 2024 TPG Awards.
To study extra, learn our full assessment of the Southwest Speedy Rewards Precedence Credit score Card.
Apply right here: Southwest Speedy Rewards Precedence Credit score Card
Southwest enterprise playing cards
In case you qualify for a enterprise bank card and fly Southwest regularly, think about considered one of their cobranded enterprise playing cards.
Southwest Speedy Rewards Premier Enterprise Credit score Card
Greatest for: Enterprise homeowners who fly Southwest usually
Annual charge: $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 primarily based 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 purchasesNew: 2 factors per greenback spent on the primary $8,000 in mixed spend at gasoline stations and grocery shops every anniversary year2 factors per greenback spent on commuting purchases, native transit and together with ride-hailing companies (ends Dec. 31)2 factors per greenback spent on Speedy Rewards automobile rental and resort companions (ends Dec. 31)1 level per greenback spent on all different purchases
Notable perks:
$500 charge 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 companionsPreferred seat choice inside 48 hours of departure when availableGroup 5 precedence boarding6,000 bonus factors each cardholder anniversary15% flight low cost promo code every anniversary yr (excluding Primary fares)10,000 Companion Cross qualifying factors enhance annuallyUnlimited TQPs incomes of two,000 for every $5,000 spent annually25% low cost on inflight purchasesNo international transaction charges
To study extra, learn our full assessment 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
Greatest 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 supply is value $1,080 primarily based 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 purchases3 factors per greenback spent on Speedy 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 transitNew: 2 factors per greenback spent on at gasoline stations and eating places, no annual capNew: 2 factors per greenback spent on motels booked directly1 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 charge 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 companionsPreferred seat choice at reserving when availableUnlimited upgrades to an extra-legroom seat 48 hours previous to departure at no cost when availableGroup 5 precedence boarding9,000 factors each cardholder anniversary10,000 Companion Cross qualifying factors enhance annuallyUnlimited TQPs incomes of two,500 for every $5,000 spent annuallyUp to $120 World Entry/TSA PreCheck creditNew: 25% low cost on inflight purchasesNo international transaction charges
To study extra, learn our full assessment 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 character. Nonetheless, lots of its most distinguished and fashionable advantages, corresponding to 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 to verify one bag free of charge for themselves and as much as 8 companions on the reservation, which now prices $35 every approach.
Speedy Rewards A-Checklist 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 Speedy 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 can be now restricted to sure fare varieties.
You will get glorious worth with the Companion Cross provided on Southwest’s private playing cards. This perk means that you can convey alongside a chosen journey companion on your whole Southwest flights — each paid and award tickets (however you have to pay taxes and costs).
To get a Companion Cross, 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 depend 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 Cross is legitimate for the yr it is earned and your entire following yr.
Southwest cardholders get a ten,000 TQP-point enhance firstly 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 Cross, chances are you’ll wish to time your bank card utility in order that your welcome bonus will publish after the beginning of the brand new yr, should you can.
Backside line
In case you’re searching for a brand new Southwest card, you possibly can select from among the nice present welcome presents to earn a strong quantity of bonus factors. This is likely one of the highest factors presents we have seen, with a considerably decrease minimal spending requirement. These presents finish at 9 a.m. EDT on Sept. 18, so now’s your final likelihood.
In case you fly regularly with a companion, the 100,000 factors additionally put you a lot nearer to incomes the move, which is value contemplating.
Simply preserve the provider’s wide selection of modifications occurring via the remainder of 2025 and 2026.
Apply right here: Southwest Speedy Rewards Plus Credit score CardApply right here: Southwest Speedy Rewards Precedence Credit score CardApply right here: Southwest Speedy Rewards Premier Enterprise Credit score CardApply right here: Southwest Speedy Rewards Efficiency Enterprise Credit score CardBe taught extra: Southwest Speedy Rewards Premier Credit score Card
