Southwest’s Best Credit Cards | Ascension

What are the benefits of having a Southwest credit card?

The benefits of having a Southwest Airlines credit card include:

  • Earn travel points to redeem for a free flight to Southwest
  • Get 3x points or 2x points on Southwest purchases
  • Receive bonus anniversary points each year of membership in the card
  • Earn qualifying points towards a Southwest Companion Pass and qualifying points towards A-List status
  • Free travel protections, including lost baggage reimbursement and baggage delay insurance
  • Additional travel benefits, such as 20% off in-flight purchases with Southwest and free upgraded boardings when available

Since there are multiple Southwest Cards, the exact benefits depend on which card you have. If you’re trying to pick one, you can use The Ascent’s credit card comparison tool to see the features that different Southwest credit cards offer side by side.

What are the Southwest points worth?

Southwest Points are worth approximately $ 0.014 to $ 0.018 per point for Southwest flights. Based on this assessment, 10,000 Southwest Rapid Rewards points are worth approximately $ 140 to $ 180 in airline tickets.

In terms of value, Southwest Points fluctuate little, making them different from most credit card miles. While the exact amount you get per Southwest point depends on the airfare you book, award tickets on Southwest generally offer similar value. You can expect to get at least $ 0.014 per point and potentially up to around $ 0.018 per point.

The Rapid Rewards program also offers other ways to redeem points, including hotels, car rentals, and gift cards. These exchanges don’t offer as much value as you get less than $ 0.01 per point with each. To maximize the value of your Southwest Airline points, use them for airline tickets only.

How do I earn free flights with a Southwest credit card?

Follow these steps to earn free flights with a Southwest credit card:

  1. Open a Southwest credit card that you like.
  2. Spend enough money to win the card sign-up bonus offer.
  3. Redeem bonus points for free flights.
  4. Keep using your Southwest card to earn more points.

One of the great things about Southwest credit cards is that they offer big signup bonuses for new cardholders. These bonuses alone can often cover several free flights.

Each bonus includes a bonus amount and a spending requirement, such as 50,000 points for spending $ 2,000 on qualifying purchases in the first three months. When you get your Southwest credit card, make sure you spend enough to earn the bonus. Then you can redeem the bonus points for free airline tickets with Southwest.

After that, all you have to do is continue paying for your purchases with your Southwest Card. Use it for all your regular purchases to earn as many Southwest Rapid Rewards points as possible.

Keep in mind that you must always pay your bill in full with rewards credit cards, including those from Southwest. These cards usually don’t have a good credit card APR, so they’re only worth the money if you pay in full each month to avoid interest charges.

Where can I redeem my Southwest rewards?

You can redeem your Southwest rewards on the airline’s website. Here’s how to book with points:

  1. Log into your Rapid Rewards account on
  2. Search for the flight of your choice and display the rates in points.
  3. Select a flight and proceed to the payment process.

When you confirm the purchase of your award ticket, the points will be deducted from your Rapid Rewards account.

Note that although the plane ticket is free when you book with points, it is subject to taxes, fees and other charges imposed by the government or the airport of at least $ 5.60 per way. simple.

How to Choose the Best Southwest Credit Card

To choose the best Southwest credit card, review your card options and compare their features. Select the Southwest Card with features that best suit your travel and spending habits.

Since there are so many credit cards with all kinds of benefits, it can be difficult to know which one to choose. Here are some specific questions you can ask yourself when choosing the right credit card.

Do you want a Southwest Airlines credit card or a more general travel credit card?

Southwest offers several airline credit cards with Chase. These cards earn Southwest points and offer benefits with the airline, so they work well for frequent travelers to the Southwest. They are also a great way to earn a Southwest Companion Pass, allowing you to choose a travel companion to travel with you for free (excluding taxes and fees).

There are also more general travel credit cards, such as the Chase Ultimate Rewards program cards. They earn rewards that you can use with various airlines and hotels, including Southwest, and they have their own travel benefits. It’s a good choice if you want a more versatile travel card that allows you to book different types of trips. They can also be great credit cards for international travel.

How often do you travel?

Travel cards are available at all prices. There are travel credit cards with no annual fee, travel cards ranging from $ 50 to $ 150, and travel cards with annual fees of $ 400 or more.

The number of trips you take is a good indicator of how much to spend on annual credit card fees. If you travel once or twice a year, it’s probably a good idea to go for a card that costs $ 100 or less. If you travel every two or three months, you might want to take advantage of the benefits of a more expensive card.

Which credit card offers the most value?

If in doubt, it can be helpful to have a rough estimate of how much you would save with different credit cards. Start by adding up the value of all of the card’s perks, such as:

  • Sign-up bonus
  • Expense credits it offers
  • All the regular bonuses it offers
  • Reward Points (you can compare the number of points he earns to your regular spending to calculate a value for those)
  • Additional travel benefits

Take this value and subtract the annual fee from the card. This will give you an estimate of its value for the first year. You can withdraw the value of the sign-up bonus to estimate its value in subsequent years, as you only get the sign-up bonus once as a new cardholder.

While it does take a bit of time, it’s a good way to evaluate different cards if you’re stuck between a few options.

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