Southwest Airlines revolutionized travel with a simple idea: affordable flights for everyone. But the airline has evolved, introducing checked bag fees and a new boarding process. For those who frequently choose Southwest, a suite of credit cards now exists, designed to elevate the travel experience beyond the basic fare.
At first glance, the three Southwest credit cards – Plus, Premier, and Priority – might seem similar. However, each card offers a distinct set of benefits, carefully tailored to different travel habits and priorities. Understanding these nuances is key to unlocking the maximum value from your Southwest loyalty.
Currently, new applicants for any of these cards have a remarkable opportunity: the chance to earn a coveted Companion Pass. This pass allows a designated travel companion to fly with you on every Southwest flight – even reward tickets – paying only the taxes and fees through February 28, 2027. It’s a game-changer for frequent travelers and families.
The Southwest Plus card offers a Companion Pass for a year, alongside 20,000 bonus points after spending $3,000 in the first three months. The Premier card raises the stakes with a Companion Pass and 30,000 bonus points after $4,000 in spending. For those who spend more, the Priority card delivers a Companion Pass and a substantial 40,000 bonus points after $5,000 in purchases.
Each card also boasts unique earning rates. The Plus card rewards 2 points per dollar at grocery stores and gas stations (up to $5,000 annually), while the Premier card offers 3 points per dollar on Southwest purchases and 2 points at grocery stores and restaurants (up to $8,000 annually). The Priority card takes the lead with 4 points per dollar on Southwest purchases and 2 points on gas and restaurants.
Beyond points, all three cards provide valuable travel perks. A free checked bag for you and up to eight companions on the same reservation is a significant benefit, potentially saving hundreds of dollars per trip. Priority boarding ensures you’ll be among the first to settle in, while complimentary seat selection (within 48 hours of departure, or at booking with the Priority card) offers peace of mind.
The Priority card truly shines for dedicated Southwest flyers. It unlocks unlimited upgrades to extra-legroom seats within 48 hours of departure and Preferred seat selection at the time of booking – benefits typically reserved for elite status holders. It also accelerates your path to A-List status, earning 2,500 tier-qualifying points for every $5,000 spent.
If a lower annual fee is a priority, the Premier card is an excellent choice. For just $50 more per year than the Plus card, you’ll receive significantly more anniversary points and enhanced benefits like Preferred seat selection within 48 hours of departure and a more valuable flight discount code.
However, prospective applicants should be aware of Chase’s eligibility rules. The “5/24” rule means that if you’ve opened five or more credit cards in the last 24 months, your application will likely be denied. Additionally, Southwest has its own rules regarding welcome bonuses, preventing those who’ve recently received a bonus from qualifying for another.
For the occasional Southwest flyer, the Plus card offers a solid entry point. But if you frequently choose Southwest, the Premier or Priority card will unlock a world of benefits, transforming your travel experience and maximizing your rewards. The Priority card, with its premium perks, is a clear winner for those who live and breathe Southwest.
Ultimately, the best Southwest credit card depends on your individual travel patterns and spending habits. Carefully consider your needs and priorities to choose the card that will deliver the greatest value and elevate your next Southwest adventure.
