southwest airlines rapid reward credit card

Southwest airlines rapid reward credit card

Did you miss out on the 40,000 bonus points offer on the Southwest Airlines Rapid Rewards Credit Card by Chase? (see details at bottom of this page) We are still able to get you this offer if you use this link:

Are you a business owner?? You can also earn 80,000 bonus points if you apply for the Chase Ink Business Preferred Card and spend $5,000 within the first three months from account opening. Use this link:

Email me if you have any questions, or any issues.

Get 2 Roundtrip Flights

40,000 bonus points after you spend $1,000 in the first 3 months of opening your account. Government fees as low as $10 not included. That's enough for 2 Roundtrip Flights.

$99 Annual Fee applied to the first billing statement.

No Foreign Transaction Fees.

No blackout dates or seat restrictions.

Here is the fine print of the offer: Referred Cardmember: To qualify for your bonus points, you must make Purchases totaling $1,000 or more during the first 3 months from account opening. Government fees as low as $11.20 are not included. Please allow 6 to 8 weeks for bonus points to post to your Rapid Rewards account. ("Purchases" do not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable.) To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. This one-time bonus offer is valid only for first-time Southwest Airlines Rapid Rewards Credit Card cardmembers with new accounts. Previous and existing Southwest Airlines Rapid Rewards Credit Card cardmembers/accounts are not eligible for this bonus offer. Note: the bonus may be earned on one first-time personal and one first-time business Southwest Airlines Rapid Rewards Credit Card new account.

The number of points needed for any particular Southwest flight is set by Southwest and will vary depending on destination, time, day of travel, demand, fare class, points redemption rate, and other factors, and are subject to change. Some roundtrip flights are not available for 25,000 points. All Southwest Rapid Rewards Program rules and regulations apply, and are subject to change. Travel good on Southwest Airlines published, scheduled service.

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Author: ACCLUDE | Published on: 11 Jul 2017, 02:54 Tags: airlines, card, credit, southwest, visa, rapid, rewards| Category:

Southwest Airlines Rapid Rewards Visa Credit Card

The Southwest card is not for everyone, and does carry a hefty 99 annual fee that is charged on your first billing cycle when signing. You should carry this read card instead of the Rapid Rewards Premier if you want the flexibility to use points on other airlines and save for big international trips. For every 10,000 you spend on the card (up to 100,000 you earn 1,500 Qualifying Tier Points (Up to 15,000 per calendar year). To earn A-List status, you need to earn 35,000 Tier Qualifying Points per calendar year. Where can you fly with Southwest points? You wouldnt want to meet the threshold in November, get 100,000 bonus points but NOT get to 110,000 points in that calendar year, meaning youd have to start over on your points earning once January rolls around. Advertiser Disclosure, american AAdvantage: How to use your miles. Southwest Rapid Rewards Plus. They let you transfer points directly into your Southwest account, though they dont count toward Companion Pass status. The quickest way to achieve this would be to sign up for the Premier card, then the Business Select card (or Plus card if you do not have a business) at a time when they both have a 60,000 point bonus, earning you 120,000 bonus. Those points have a value of up to 700 in Wanna letenky Get Away airfare. For more information please see our Advertiser Disclosure. Southwest Rapid Rewards, premier, credit Card.

Southwest Credit Card review: Is the Premier worth the 99 annual

momondo Rapid leisure Rewards, premier, airlines credit, card.

The credit card offers that appear on the website are from credit card companies from which m receives southwest Airlines Rapid Rewards Visa Credit Card compensation 000 on purchases in the first 3 months from account opening. P Offer details 000 bonus points Intro Offer 95 Annual Fee. All the points you earn with the card count towards Companion Pass qualification. Earn 200 bonus cash back after you spend. A better option is to get the. Companion Pass allows you bring a companion along for free on every Southwest flight you fly for more than a year. Advertiser Disclosure, the biggest bonuses for points you can use on Southwest are with the 2017 80, pJune 30, right now. And southwest Airlines Rapid Rewards Visa Credit Card you can also earn your way toward A List status with your spending 2017 How to Upgrade Delta Flights with Miles June.. My Account, southwest Airlines Credit Card - Chase, credit Cards

southwest airlines rapid reward credit card

Southwest airlines rapid reward credit card

The current offer for the Southwest Airlines Rapid Rewards Premier Card is 50,000 points [expired] after $2,000 spent within three months.

The $99 annual fee is not waived, though partially offset by the 6,000 bonus points granted on each card anniversary.

In addition to 2 points per dollar spent on Southwest and AirTran purchases, cardholders are eligible to earn 1,500 Tier-Qualifying points for every $10,000 spent, up to 15,000 TPQ per year.

With award flights as low as 2,800 points each way, this is a very rewarding card to put your everyday spending on. The card also has no foreign transaction fees, making it great for travel abroad.

What do you think of the Southwest Rapid Rewards Premier Visa Card’s placement on our top 30 list?

Southwest airlines rapid reward credit card

Southwest airlines rapid reward credit card

  • Annual Fee: $95 fee waived for the first year
  • Foreign Fees: No
  • Card Type: Bank
  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Southwest airlines rapid reward credit card

  • Annual Fee: $95 fee waived for the first year
  • Foreign Fees: No
  • Card Type: Bank
  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

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Southwest airlines rapid reward credit card

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Why You Shouldn’t Use a Southwest Airlines Credit Card

In the past few days, I’ve talked to family members who travel rarely and friends who travel every week. They all love Southwest Airlines, and most have a Southwest Airlines Visa credit card. I tell each of them to cancel that card and get a Sapphire Preferred Visa instead. (Update: an even better option for some people is the Chase Sapphire Reserve, which was launched in 2016 after this post was first published.)

Both cards are offered by Chase, and in some cases these people already held both cards–a clear case of unnecessary overlap. Often the people I know who prefer to fly Southwest do so because of the simplicity. Easy customer service, easy fares, and an easy rewards program, as I outlined yesterday. That’s great, and I’m not arguing in this post that Southwest has a bad credit card. But if you want to keep things simple, a Sapphire Preferred card is simpler and will also earn you more Rapid Rewards points from a larger variety of purchases.

Ultimate Rewards Transfer to Southwest

This is the number one thing to remember throughout this post. The Ultimate Rewards points earned from a Sapphire Preferred card can be transferred instantly at a 1:1 ratio to Rapid Rewards. When you earn an Ultimate Rewards point, it is like earning a Rapid Rewards point, so all the other math after this will consider them identical: just points. You aren’t losing anything by earning Ultimate Rewards points instead of Rapid Rewards points.

Ultimate Rewards Transfer to Other Airlines and Hotels

But also remember an Ultimate Rewards point can be used for lots of other things if you prefer. You can transfer them to United or Avios for international awards. You can transfer them to Hyatt or Marriott or IHG Rewards for hotels. Options include:

  • British Airways Executive Club
  • Korean Air SKYPASS
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • Air France/KLM Flying Blue
  • Hyatt Gold Passport
  • IHG Rewards Club
  • Marriott Rewards
  • The Ritz-Carlton Rewards

Because Ultimate Rewards transfer instantly, you don’t have to move them over to United or Avios or anywhere else until you find a good deal. By getting a Southwest Rapid Rewards card, you’re earning points that are mostly locked into the Southwest loyalty program, limiting your options to use a different airline if necessary.

Southwest lets you transfer points to some other partners (specifically hotels), but at a fixed value.

Ultimate Rewards Can Be Consolidated

Finally, you can consolidate your Ultimate Rewards points into a single account. My wife and I combine our points in one account so we can get more points and book bigger, better awards. If we have different cards that both earn Ultimate Rewards points, we can combine those, too. Maybe one of us is using a Chase Sapphire Reserve to earn 3 points per dollar on travel, and another is using a Chase Freedom Unlimited card to earn 1.5 points per dollar on everything else.

Sapphire Preferred and Sapphire Reserve Earn More

The Southwest Rapid Rewards Visa earns 2 points per dollar on all purchases through, whether you are purchasing Southwest flights or reserving a hotel or car through a Southwest partner.

The Sapphire Preferred earns 2 points per dollar on ALL travel, including flights, hotels, train tickets, parking, cruises–you name it. And it doesn’t matter where or how you purchase it. You’ll also earn 2 points per dollar at all restaurants and for catering, too. If you get the Chase Sapphire Reserve, you’ll get 3 points per dollar in the same categories, but the annual fee is higher.

For both cards, if it’s not a bonus category you’ll get just 1 point per dollar.

The Southwest Rapid Rewards Premier card, which offers an opportunity to earn tier qualifying points toward A-List status, has an annual fee of $99. The Southwest Rapid Rewards Plus card, which does not include this perk, has an annual fee of $69. Otherwise they’re mostly the same. The Chase Sapphire Preferred has an annual fee of only $95. The Chase Sapphire Reserve has a much higher fee of $450, but you get a $250 annual travel credit that offsets this, so it’s a net $200 charge.

In my mind, these differences a small enough that they are not worth worrying about, and you shouldn’t worry about having to pay a higher annual fee to get all the additional benefits that come with a Sapphire Preferred card.

I will admit, however, that some people will want those tier qualifying points that you can earn with the Premier card. All I can say is more power to you. They seem expensive to earn at 1,500 per $10,000 spent, so you’ll need to put a lot of purchases on that card to make a meaningful contribution toward your elite status.

In short, you are guaranteed to earn at least a little more, and sometimes a lot more, points on the same purchases that you would make with the Southwest card, and you can do a lot more with them. But you can still turn those Ultimate Rewards points into Rapid Rewards points if you want. I’m not here to argue that Rapid Rewards is a bad program–in fact it’s a very good one. I just don’t think the Southwest Rapid Rewards Visa is a card that belongs in your wallet given that another Chase product can do as good a job or better.

Because bloggers hate Southwest?

You are right about not putting spend on the Southwest card; however, I strongly disagree with the advice to cancel it.

Having the Southwest card allows you to use your Rapid Rewards points to book hotels and cars (, which is the benefit I value highly (I am always short on points that can be used to book rental cars). Just that alone is worth keep the card in my mind – besides, the $99 annual fee is offset by 6,000 points ($100 value in Wanna Get Away tickets).

Fair enough. My family members detest card churning and will use any excuse to cancel a card. They kept asking: “Which one do I cancel?”

I was also under the impression you could still use the points to book hotels and cars with a different card as long as you had a Rapid Rewards account, i.e., any member of their frequent flyer program could use this benefit, not just card holders. If the card is necessary, then that should factor into any decision.

From what i see on the page, it looks like you do have to have one of the Southwest cards from Chase. I can’t really check if not having it gives you access, because I do have it

I’m curious if, since both cards are operated by Chase, perhaps what is happening is that Chase is actually converting the Rapid Rewards points to Ultimate Rewards points and then redeeming them through the Ultimate Rewards program to provide these other opportunities. After all, if I can transfer UR to RR, then why could Chase do the reverse behind the scenes?

Scott, it’s possible. They have the same conversion rates. 5,000 for $50 gift cards.

If you join me in Vegas, Colin, I’ll have to ask to take a look at your account. Without a Southwest Visa of my own, I’m unable to look at some of these redemption opportunities.

The annual point bonus is probably the main reason to keep this card, if you actually fly Southwest.

For a normal family (that isn’t going to do card churning), one Sapphire Preferred + several Chase Freedoms that earn 5x would help, but the Southwest card pretty much pays for itself if you use the points.

The only thing you missed is that the Southwest Credit Card points count towards companion pass, whereas points transferred in from Ultimate Rewards do not. While this probably won’t matter to most card holders, I travel on Southwest Business Select flights frequently for work and when you add the points I earn for that travel to the 50,000 bonus I got for signing up for the card, I am slightly shy of the 110,000 needed for companion pass. The Southwest Card will make up the difference for me to earn companion pass for next year which will be extremely valuable. However, once I earn enough points for the companion pass I will likely be cancelling the Southwest Card in favor of the Sapphire Preferred.

I was just going to comment on this. In addition, once you have earned CP, the $99 fee you pay for the premier card actually turns into a $200 value.

Good to know. So you would keep it past the date of the annual fee in order to get the 6,000 points (the $200 value)? I was mostly thinking of cancelling it if I was not approved for the Sapphire Preferred to transfer the credit over. But I just got approved for a rather large balance on the British Airways card for their 100k points promo as well so I am thinking approval may not be an issue.

It’s only worth $200 if you have a companion pass ($100 for yourself from points, another $100 for the companion).

In general, I do not recommend canceling any card with Chase right before applying for a new one. And if you already paid the fee, there’s no reason to decide whether to cancel until the next year’s fee becomes due. If you want to apply for the Sapphire, do that first, and only close the Southwest account if your application is rejected and you need to negotiate. Even if the Sapphire is approved with a small balance, you could keep the Southwest card open but transfer most of your open credit line to the new card. Generally Chase’s minimum credit line is only $500.

I wouldn’t look at it that way. The points are still only worth $100 since you can get the same benefit with the companion pass and $100 as you can with the companion pass and 6000 points.

Yes, I’d pay $99 to keep it if I plan to take full advantage of the CP. If the fee is due soon and you have been using the card a lot, it doesn’t hurt to try and ask for a retention bonus, too. As for your Sapphire Preferred, you could always transfer some credit from your BA card.

The Southwest Plus card has an annual bonus of 3,000 points (

$50) and the Southwest Premier card has a bonus of 6,000 points (

$100). Does the Sapphire have any annual bonuses?

The Sapphire has it’s 7% dividend, which makes the comparison complicated. Southwest’s renewal bonus has value roughly equal to the annual fee. With Sapphire, you’d have to earn

70,000 UR points each year to earn a large enough bonus to cover the fee (assuming UR points are worth 2 cents each). I think this is not too difficult to do given the double points on all travel and restaurants. You can also earn more points on purchases through the UR mall.

However, this also reduces the advantage of the Sapphire if you can’t reach 70,000 earned points since it doesn’t completely balance the annual fee. Personally, I value the flexibility of the UR points and would be wiling to pay the difference of $20-40 a year if I earn only 50K or 30K points.

No love for the Southwest Companion Pass, via two cards plus $10k? -One card alone wholly validates your position, but how can you not mention the two card “magic trick” to get a companion pass which is like the infamous little pot of gold

I mentioned that in yesterday’s post. I had good things to say about RR then, and I agreed the signups were a good deal. My point today is that I don’t believe the Southwest Visa is a good long-term card for spending (except for some exceptions as we’ve been hashing out this morning).

My apology for not reading yesterday’s! -That gives me a nice “whew” It’s been a live saver for me [the companion pass] and outside of that your post here gets amens from me.

Interesting read. I applied and was approved for a SW Chase card 7/11 for 50,000 points and cancelled it just last week. I know I should use it for flight tickets but right now I want to redeem amazon gift cards. Since I am not a cardmember anymore, I don’t think I can use it for gift cards. What are my options? Should I apply for the SW business card just so I can be a cardmember again or is it too soon since I just cancelled my card last week? Thanks

No, I don’t believe you can use it for gift cards. If you do not hold a Southwest credit card, your only choice is to use it for Southwest flights. You can apply for another card in the future to regain access to other options. There are two personal cards (Premier and Plus) so you could apply for the other one from what you had if you don’t want to try for a business card.

It’s not necessarily too soon to apply again. The greatest danger from canceling a card is that your total available credit and number of open accounts will decrease. This potentially hurts your credit score, but the effect is lower if you already have a lot of open accounts and credit. Assuming you can be patient, you might want to wait a month or two to let the effects of the closing wear off just to be safe.

Canceling credit cards adversely affects your credit rating.

There are lots of reasons canceling a card drops your score, but the effect is usually temporary. I don’t think people should cancel a card just for the heck of it. I’ve made that mistake before. But I do find it annoying to carry cards that I don’t need, and I don’t like calling the bank each year to negotiate a fee. If I’m not willing to pay after the first year, it goes into the trash.

I have a stable of cards that I applied for FIRST and which I do plan to keep every year, so my average account age and available credit will stay relatively high despite canceling younger cards.

I’m pretty stupid on the subject matter… so this may be a dumb question… Will I earn rapid reward points (on either card) by paying bills? So (for example), could I pay my rent through this card (instead of my bank), get the rewards for the “purchase”, then just pay off the card immediately? Do you still get the rewards of you payoff the purchase right away? — again, completely dumb on the subject matter…

You can get points for paying your rent or other bills with the card. However, the problem is that your landlord may not accept a credit card as payment. There are services that take care of this for you, like WilliamPaid, which basically charge your card (plus a fee) and write the check on your behalf.

Another option is to buy gift cards, assign a PIN, and load them onto a Bluebird prepaid card at a Walmart store. Bluebird has a check-writing feature that allows you to write checks that will be debited against the account.

I don’t understand the value of of being able to transfer 1:1 to southwest rewards, when using your SW rewards is 1:1 to a dollar. You should cash out of all your rewards, which I believe is 1:1 also, and just pay with your regular card and get an additional 2.14%.

If the goal of using a Southwest credit card is to earn Rapid Rewards points, you can earn more Rapid Rewards points by using the Sapphire Preferred card and transferring the Ultimate Rewards points to Rapid Rewards. All the category bonuses are the same or better.

If you don’t want Rapid Rewards points, then that’s a different question.

I cary a southwest card, the one item you missed is the card gets you closer to a companion pass in addition to the tier miles. I travel frequently with the sake person and that person flies at no cost. Pretty good deal.

I’ve been on the fence between the Capital One Venture and Chase Sapphire Preferred for a while now. However, I did not know that you could consolidate UltimateRewards points across Chase accounts. Given that I already have a Chase Freedom card (which gets me 5x points on up to $1500 spending on quarterly rotating purchase categories), that puts the Sapphire Preferred over the top. It would be like having a single psychotically awesome card (and further research after reading your article tells me that this is actually a popular approach). Awesome write-up.

Thanks! Always different cards for different people/situations, but glad to help you out.

You are not factoring in that you can start the RR Visa card with 50,000 RR points bonus. People can sign up for that card, meet the requirements for the bonus, get the points, cancel the card, and then wait for the period to expire to sign up for the deal again (I believe this may be 1-2 years). So, may be more beneficial to get the RR Visa card first, then get and use Sapphire.

That’s an argument to get the card, get the bonus, and dump it. It’s not an argument to actually USE the card to buy anything after that, which is what this post is about.

Use is a relative term — short term or long term. There can be cases to get either Sapphire or the RR Visa, heck, get both and 90,000 bonus points on top of my Chase Freedom that still is grandfathered on 10% bonus (they just got rid of the 10 points on every purchase which bumped my average cashback to around 2.3%). For those still grandfathered in the Freedom 10%, with no annual fee, may be good to stay with that and just get the Sapphire and RR for the bonus points — if you do both you pretty much are going to get companion pass after a few months of uss that you have to do anyway to get the bonus points.

I do agree, if you are just going to use either a Sapphire or RR card everyday, the benefits lean towards getting Sapphire for sure. Combo with the Freedom changes the strategy a bit.

Why you shouldn’t use a Sapphire Preferred card: You have to spend $5,263.16 just to break even. The Sapphire Preferred card $95 annual fee gets you NOTHING. Scott, your comparison does not factor this in. The Southwest Premier card gives you 6000 bonus points ($100 worth) every year. Your formula for Sapphire states “Multiple by 7% and you’re really earning 2.14 points per dollar” meaning you are only getting 1.14 more points than the Southwest card on specific purchases. Again, just to equal the Southwest premier card annual bonus you would need to spend $5,263.16 (6000 points % 1.14) a year before you start saving anything. Also you only start saving when you spend this amount on travel that is non Southwest flights and hotel/ car rental partners (Southwest card also 2 pts) or dining that is not part of Rapid Rewards (3 pts) This leaves only a small number of purchases to get your money back let alone make a profit compared to the Southwest card.

I disagree with your argument for several reasons. First, I think you’ve done your math incorrectly to relate the benefits of each annual fee and their corresponding bonuses.

The Southwest Rapid Rewards Premier card offers, as you said, about $100 in Rapid Rewards points each year (6,000 at 1.67 cents each) when you pay your annual fee of $99. You get back what you put in immediately.

The Sapphire Preferred card offers a 7% bonus when you pay your annual fee of $95, and that bonus can be highly variable. I assign a value of 2 cents to Ultimate Rewards points because they can be used for more awards, including more valuable awards, as well as for transfers to Rapid Rewards points. You would need to earn roughly 68,000 points each year to get back enough points to equal the fee.

As you can see, it’s not really about how much you spend each year that determines whether you make up the annual fee or not. It’s how many points you earn. So let’s address that topic second.

My second disagreement with your argument is that the Sapphire Preferred card supposedly has a “small number of purchases” that earn more points than the Rapid Rewards card. This is a very subjective argument. Some people who only fly Southwest Airlines, who book hotels through Southwest Airlines, and who use Southwest’s dining rewards program will certainly find that Sapphire Preferred offers fewer benefits. I think these people are a minority.

Many of the people I know who fly Southwest are infrequent travelers or price-conscious travelers (who may be frequent travelers but have no specific loyalty to Southwest — they’re just cheaper in that particular instance). An infrequent traveler won’t have many travel expenditures anyway and might benefit more from the dining bonuses. A price-conscious traveler will want to take advantage of a bonus that applies to more than one airline.

People who book hotels through a third party are also less likely to be concerned with elite status since those stays are technically ineligible. I say they should look at Hotwire, Priceline, or any number of additional options that earn the 2X bonus with Sapphire Preferred. Locking yourself into Southwest’s booking portal seems a poor decision.

And the dining bonus for the Sapphire Preferred is also less restrictive. I have only ever found one restaurant in my local area that participates in a dining rewards program and is actually good. Maybe the situation is different where you live, but at least my Sapphire Preferred earns me a bonus wherever I choose to eat.

Finally, my third disagreement with your argument, which isn’t really a disagreement because you never explicitly mentioned it: I highly value the flexibility of Ultimate Rewards points and the excellent customer service. I think these things are worth paying an annual fee, so it’s okay if I don’t earn the 68,000 points each year needed to get a 4,750-point bonus.

In conclusion, if your personal circumstances suggest that the Rapid Rewards card is a better choice, then I suggest you use it. But I have explained in my reply and in my original post many reasons why the Sapphire Preferred may be better for other individuals.

I should say that upfront that I prefer simplicity and minimizing calculations related to where I must use what card to maximize rewards – except: using Chase Freedom quarterly bonus categories, and my Amex Blue Cash for groceries and gas (in months where Chase Freedom does not have these categories). For ‘everything else’ which includes travel, utility bills, etc, I’d rather have only one card.

And with that in mind, it appears that @JerryNYC123:disqus’s point that the annual fee paid for Chase Southwest Premier is, in a manner of speaking, reimbursed immediately, sounds terrific to me.

The fact that I’d have to first spend

$5000 each year to cover the Chase Sapphire fee BEFORE I start earning additional rewards sounds like I’ll be thinking about that more than I should.

Actually, the $95 fee gets you A LOT. Call the company to ask about your benefits. One of the benefits is travel insurance on any purchase with that card. Travel insurance on any trip will run you at least $100 with any other 3rd party.

Travel insurance is included in all Visa Signature cards including both the Southwest and the Sapphire card. Not a benefit exclusive to that card.

With my SW card and Rapid Rewards membership, I earned over 200,000 points last year, working on about the same for this year. I travel for work, not a lot, but usually last minute travel costs the most, and earns the most.

I couldn’t have gotten $2000 worth of gift cards from Southwest, but I chose a variety of redemption methods. All I know is I get my $69 dollar annual membership.

I see your point though on how to use the Sapphire to earn and put it SW bucket.

Right now the initial spend bonus for the Southwest card is pretty juicy — 50,000 miles for $2K in spend. However, as you say, there are other cards that are even more rewarding.

To quickly compare your expected rewards from the Southwest card, Sapphire Preferred card, etc., you can use the rewards calculator at:

One major advantage to the Southwest card over Chase Sapphire that I did not see mentioned here. Southwest will often run promotions where you get double the rewards points on travel for flights booked with the SW card. And I am not just talking with respect to 1 point per dollar spent. I am referring to the actual earning rate you receive for flights (6,10,12 points per dollar depending on fare type). So if I book a $500 “Wanna Get Away” fare…the double points results in an extra 3000 ($500 x 6 points) Rapid rewards points (currently a $50 value, slightly less when devaluation occurs next year). And of course up to double that amount for other fare types. For frequent travelers, this is a HUGE amount of additional points…and I have found this promotion is running at least 6-9 months out of the year. This makes the Southwest card indispensable for frequent SW travelers compared to any other card.

That would be a good reason to keep using the Southwest card for tickets purchased from Southwest. I generally agree that if you buy lots of flights from one airline you should use their credit card. But as a general purpose card, or if you’re an infrequent traveler, I don’t think Southwest’s card is the best option.

Doesn’t work out as well as you say until you hit huge amounts of spend. Dude, fire up excel and do the math. Take into account all benefits or it’s worthless to even have the conversation. Sorry bro… needs a bit more work on your end.

Which benefits am I not taking into account? I think I made a clear case for how you can earn more points, and do more with them, if you make the Sapphire Preferred your primary card.

the overlap is not a bad thing…you get 50,000 points with the Southwest card, which can obviously be redeemed. and then later get the sapphire preferred. definitely. which will give you another 40,000 points. It doesn’t hurt to have an extra 40 or 50k in points.

AND it’s not nearly as bad of a thing as people think it is to have multiple cards. You just have to manage them. and be responsible.

HOWEVER i will agree, generally speaking, the sapphire card is the one that should be used most often. You’re right, for sure

How does a Southwest Airlines Rapid Rewards Premier Credit Card differ from other cards?

The Southwest Rapid Rewards Visa card from Chase Bank differs from other cards in that it offers two Rapid Rewards points for each dollar spent with Rapid Rewards hotel and car rental partners or Southwest Airlines, according to Chase. Cardholders earn one Rapid Rewards point per dollar spent on all other purchases. Cardholders can redeem the points earned for flights on Southwest Airlines, hotel stays, rental cars, gift cards and other consumer goods.

How does the Southwest VISA Rapid Rewards program work?

How do you get a Visa Southwest Airlines credit card?

How do you get 50,000 points for a rewards credit card?

Other distinctive features of a Southwest Rapid Rewards Visa card include no change fees on Southwest flights as well as no fees for the first and second checked bags. Cardholders earn unlimited points that have no expiration date as long as there is flight or partner earning activity every 24 months. Purchases made abroad do not incur transaction fees with the Southwest Visa card, as stated by Chase. For flights that cardholders purchase with points, there are no seat restrictions or blackout dates.

Cardholders also receive 50,000 bonus points after spending $2,000 on the Southwest Visa card in the first three months after opening an account, according to Chase. For each anniversary, which is the date that is 12 months after the enrollment date and each date that falls 12 months thereafter, a cardholder receives 6,000 points. Cardholders also receive one point for each dollar in balance transfers made within the first 90 days of the account open date, with a maximum earning potential of 15,000 points.