Southwest Airlines Credit Card: Is It Worth The Hype?

The allure of airline credit cards lies in their potential to elevate travel experiences and unlock exclusive perks. Southwest Airlines, a renowned low-cost carrier, offers a range of credit cards designed to enhance your flying adventures. But the question lingers: “Is the Southwest Airlines credit card worth it?” This comprehensive guide will delve into the intricacies of these cards, unraveling their benefits and drawbacks to help you make an informed decision.

Benefits of Southwest Airlines Credit Cards:

1. Companion Pass:

The holy grail of Southwest credit cards is the Companion Pass, which allows you to bring a companion along for free on all Southwest flights for a year. This coveted perk is typically earned by spending a significant amount on the card within a calendar year.

2. Points and Miles:

Southwest credit cards earn Rapid Rewards points, which can be redeemed for flights, hotel stays, rental cars, and other travel expenses. Depending on the card tier, you can earn points on everyday purchases, Southwest flights, and other eligible expenses.

3. Free Checked Bags:

Southwest Airlines charges a fee for checked bags, but credit cardholders enjoy free first and second checked bags for themselves and their companions. This perk can save you a substantial amount on baggage fees, especially if you travel frequently.

4. Boarding Priority:

Credit cardholders receive priority boarding, allowing them to secure desirable seats and avoid the hassle of long lines. This benefit is particularly valuable during peak travel seasons.

5. No Foreign Transaction Fees:

Unlike many other credit cards, Southwest credit cards do not charge foreign transaction fees, making them an ideal choice for international travelers.

Drawbacks of Southwest Airlines Credit Cards:

1. Limited Earning Potential:

While Southwest credit cards offer a generous sign-up bonus, the earning rate on everyday purchases is relatively low compared to other travel rewards cards. This may not be ideal if you prefer to maximize your points and miles accumulation.

2. Blackout Dates:

The Companion Pass is not valid during blackout dates, which typically fall around holidays and peak travel periods. This can limit your flexibility and availability to use the pass.

3. Annual Fees:

Some Southwest credit cards come with an annual fee, which can offset the value of the benefits. Consider whether the perks and rewards you receive justify the cost of the fee.

4. Credit Score Requirements:

Southwest credit cards typically require a good to excellent credit score for approval. If your credit score is below the required threshold, you may not be eligible for these cards.

Which Southwest Airlines Credit Card is Right for You?

Southwest offers a range of credit cards tailored to different travel needs and budgets. Here’s a breakdown:

1. Southwest Rapid Rewards® Plus Credit Card:

• No annual fee
• Earn 2 points per dollar on Southwest purchases and 1 point per dollar on all other purchases
• Companion Pass eligibility with $125,000 qualifying purchases in a calendar year

2. Southwest Rapid Rewards® Premier Credit Card:

• $99 annual fee
• Earn 3 points per dollar on Southwest purchases, 2 points per dollar on Rapid Rewards hotel and car rental purchases, and 1 point per dollar on all other purchases
• Companion Pass eligibility with $100,000 qualifying purchases in a calendar year

3. Southwest Rapid Rewards® Performance Business Credit Card:

• $199 annual fee
• Earn 4 points per dollar on Southwest purchases, 3 points per dollar on Rapid Rewards hotel and car rental purchases, and 2 points per dollar on all other purchases
• Companion Pass eligibility with $125,000 qualifying purchases in a calendar year

Is the Southwest Airlines Credit Card Worth It?

Ultimately, whether the Southwest Airlines credit card is worth it depends on your individual travel habits and preferences. If you frequently fly Southwest and value the Companion Pass, free checked bags, and other perks, then the card can be a worthwhile investment. However, if you prefer to maximize your points and miles accumulation or don’t fly Southwest regularly, other travel rewards cards may be a better option for you.

Alternatives to Southwest Airlines Credit Cards:

If you’re not convinced by Southwest Airlines credit cards, consider these alternatives:

• Chase Sapphire Preferred® Card
• Capital One Venture X Rewards Credit Card
• American Express® Gold Card

Key Points:

The Southwest Airlines credit card offers a unique set of benefits that can enhance your travel experience. By weighing the pros and cons carefully, you can determine if the card aligns with your needs and whether it’s worth the investment. Whether you’re seeking the coveted Companion Pass or simply want to enjoy free checked bags and priority boarding, Southwest Airlines credit cards offer a range of options to elevate your travels.

Common Questions and Answers

1. How do I earn the Companion Pass?

You can earn the Companion Pass by spending $125,000 on qualifying purchases with the Southwest Rapid Rewards® Plus Credit Card or $100,000 with the Southwest Rapid Rewards® Premier Credit Card in a calendar year.

2. What are blackout dates for the Companion Pass?

Blackout dates for the Companion Pass typically fall around holidays and peak travel periods, such as Thanksgiving, Christmas, and New Year’s Day.

3. Can I use my Companion Pass on international flights?

No, the Companion Pass is only valid on Southwest Airlines flights within the United States, Puerto Rico, and the US Virgin Islands.