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Southwest Speedy Rewards® Plus Credit score Card
Intro supply
30,000 factors and a Companion Move® good by means of 2/28/24 after you spend $4,000 on purchases within the first three months from account opening
Rewards
Earn 2X factors on Southwest® purchases. Earn 2 factors on Speedy Rewards resort and automobile rental accomplice purchases. Earn 2X factors on native transit and commuting, together with rideshare. Earn 2X factors on web, cable, and cellphone providers, and choose streaming. Earn 1 level for each $1 spent on all different purchases.
Southwest Speedy Rewards® Plus Credit score Card
Intro supply
30,000 factors and a Companion Move® good by means of 2/28/24 after you spend $4,000 on purchases within the first three months from account opening
Rewards
Earn 2X factors on Southwest® purchases. Earn 2 factors on Speedy Rewards resort and automobile rental accomplice purchases. Earn 2X factors on native transit and commuting, together with rideshare. Earn 2X factors on web, cable, and cellphone providers, and choose streaming. Earn 1 level for each $1 spent on all different purchases.
Southwest Speedy Rewards® Plus Credit score Card
Particulars
Rewards
Earn 2X factors on Southwest® purchases. Earn 2 factors on Speedy Rewards resort and automobile rental accomplice purchases. Earn 2X factors on native transit and commuting, together with rideshare. Earn 2X factors on web, cable, and cellphone providers, and choose streaming. Earn 1 level for each $1 spent on all different purchases.
Intro supply
30,000 factors and a Companion Move® good by means of 2/28/24 after you spend $4,000 on purchases within the first three months from account opening
Really helpful Credit score
Good to Glorious
Common Annual Proportion Price (APR)
20.49% - 27.49% Variable
Execs & Cons
Highlights
Extra Studying
The Southwest Speedy Rewards® Plus Credit score Card is a strong alternative when you fly with Southwest and wish to earn a profitable welcome bonus for the bottom annual payment. Its limited-time welcome bonus makes the Southwest Companion Move (among the best offers in journey) tremendous straightforward to earn.
Nonetheless, when you fly Southwest typically, different Southwest private playing cards might be a greater match when you can take advantage of the advantages.
Southwest Speedy Rewards Plus Credit score Card Assessment: Is the Southwest Speedy Rewards Plus Credit score Card the Finest Credit score Card for You?
Chase points 5 totally different Southwest bank cards. The Southwest Speedy Rewards® Plus Credit score Card is the entry-level model, with the bottom annual payment ($69) of the bunch. That makes it ultimate for individuals who wish to reduce their out-of-pocket price whereas nonetheless incomes loads of Southwest factors.
Nonetheless, a low annual payment additionally means fewer ongoing advantages. This should not be an element when you're simply an occasional traveler, however frequent Southwest flyers may get higher worth from the extra perks on the opposite Southwest bank cards. The beauty of Southwest factors is that they by no means expire, so there is no stress to redeem your factors straight away.
One of the simplest ways to redeem your factors is without spending a dime flights, which is able to present a worth of round 1.4 cents per level, based mostly on Insider's factors and miles valuations. Nonetheless, you may as well use Southwest factors with Chase Pay Your self Again to offset eligible eating purchases made inside the final 90 days (ends March 31, 2023) in addition to to offset the cardboard's annual payment.
Earlier than you determine on whether or not the Southwest Speedy Rewards® Plus Credit score Card is the best decide for you, you may wish to examine it to the opposite Southwest playing cards, as a result of you possibly can solely have one private model at a time. And when you desire flexibility, a card that earns transferable Chase Final Rewards® factors is likely to be a greater wager.
Southwest is one among over a dozen Chase airline and resort switch companions, and playing cards just like the Chase Sapphire Most popular® Card and Chase Sapphire Reserve® have broader bonus classes and extra advantages.
Insider's Featured Rewards Credit score Playing cards
Earn 5x factors on all journey bought by means of Chase Final Rewards. Earn 3x factors on eating, together with eligible supply providers, takeout, and eating out. Earn 3x factors on choose streaming providers. Earn 3x factors on on-line grocery purchases (excluding Goal, Walmart, and wholesale golf equipment). Earn 2x factors on different journey. Earn 1x level per greenback on every little thing else.
60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening
Earn 3x ThankYou® factors on restaurant, grocery store, gasoline station, air journey, and resort purchases. Earn 1x ThankYou® factors on all different purchases.
60,000 bonus ThankYou® Factors after you spend $4,000 in purchases inside the first three months of account opening
20,000 bonus factors if you spend $1,000 in purchases within the first three months from account opening
We're targeted right here on the rewards and perks that include every card. These playing cards will not be value it when you're paying curiosity or late charges. When utilizing a bank card, it is vital to pay your stability in full every month, make funds on time, and solely spend what you possibly can afford to pay.
Southwest Speedy Rewards Plus Credit score Card Rewards
Welcome bonus
For a restricted time, the cardboard is providing a hardly ever seen welcome bonus of 30,000 factors and a Companion Move® good by means of 2/28/24 after you spend $4,000 on purchases within the first three months from account opening. The bonus factors you may earn equates to $420 in Southwest journey, on common (based mostly on Insider's valuations). However when paired with the promotional Southwest Companion Move you may earn, the potential worth is thru the roof.
The Companion Move lets you deliver alongside a journey buddy each single time you fly Southwest for simply the price of taxes and charges. Whether or not you are utilizing money or Southwest factors to e-book your journey, your companion will fly for pennies on the greenback.
The way to earn Southwest factors
With this card, you may earn:
- 2x factors on Southwest purchases (together with flights, inflight purchases, Southwest reward playing cards, and Southwest Holidays packages)
- 2x factors on Speedy Rewards resort and automobile rental accomplice purchases (see the complete checklist right here)
- 2x factors on native transit and commuting, together with rideshare (and likewise passenger trains, buses, taxis, limousines, rideshare, ferries, toll bridges and highways, and parking tons and garages)
- 2x factors on web, cable, cellphone providers, and choose streaming (Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, and YouTube TV)
- 1 level per greenback on every little thing else
The way to use Southwest Factors
Southwest has an expansive home route community (together with Hawaii), and likewise flies to various worldwide locations within the Caribbean, Mexico, and Central America.
Southwest does not have an award chart like different airways do. As an alternative, the variety of factors required for an award flight is tied to the value of a paid ticket. On common, you possibly can anticipate to get a worth of 1.4 cents per Southwest level if you redeem them for award journey, based mostly on Insider's factors and miles valuations.
Redeeming Southwest factors to e-book award flights on-line is straightforward — when you log into your Speedy Rewards account, seek for flights simply as you'll when you had been on the lookout for a paid ticket. The web site provides you the choice to toggle between the money worth and the factors price, so you possibly can simply examine the 2.
Should you're not flying Southwest proper now, there is no hurt in holding on to your factors till you are prepared, as a result of they're going to by no means expire. Nonetheless, Southwest bank card holders do produce other choices for redeeming factors by means of the Extra Rewards program, together with merchandise, reward playing cards, automobile leases, accommodations, cruises, and experiences. The worth you may get per level varies, but it surely's sometimes a lot decrease than what you'd get when you redeemed for Southwest flights.
The Southwest Speedy Rewards® Plus Credit score Card additionally unlocks the flexibility to redeem Southwest factors at a price of 1 cent every by means of Chase Pay Your self Again. Eligible redemptions are eating purchases made inside the final 90 days, as much as $200 in reimbursements (by means of March 31, 2023), and your card's annual payment.
Southwest Plus Card Advantages and Options
The Southwest Speedy Rewards® Plus Credit score Card does not include a number of the different advantages supplied by different Southwest playing cards (like elite-qualifying factors or journey credit), however you may nonetheless get quite a lot of journey and buy protections and a handful of different perks.
Southwest Companion Move
The present welcome bonus on the Southwest Speedy Rewards® Plus Credit score Card features a promotional Southwest Companion Move, legitimate till February 28, 2024. Usually, to qualify for a Companion Move, you'd must earn 135,000 qualifying Southwest factors in a calendar yr. Southwest bank card holders additionally obtain a "increase" of 10,000 qualifying factors annually.
This promotional Companion Move is a bit of totally different from a daily Companion Move in that it is legitimate for a shorter time period. A daily Companion Move is legitimate for the remainder of the yr you earned it, plus all the following yr. That stated, the 30,000 factors from the welcome supply plus what you earn from spending on the cardboard all rely towards incomes a Companion Move the conventional method.
The Companion Move is likely one of the finest offers in journey — notably for individuals who e-book loads of flights across the US, Mexico, the Caribbean, and Central America. With it, you possibly can deliver a companion on any paid or award flights for simply the price of taxes and charges (sometimes $5.60 for home flights).
You may use your Companion Move for as many flights as you want whereas it is legitimate. Even when you take ten flights per week, your companion can be part of you. It is successfully a buy-one-get-one flight certificates.
EarlyBird Test-In
Southwest Speedy Rewards® Plus Credit score Card cardholders obtain two EarlyBird Test-Ins per account anniversary yr, awarded as an announcement credit score after your buy. EarlyBird Test-In usually prices $15 to $25 every method, and lets you routinely check-in to your flight 36 hours previous to departure.
As a result of Southwest determines your boarding place by the point you examine in, this function may help you get on the airplane sooner and have a greater alternative to pick out your required seat.
Anniversary factors bonus
Every year if you renew your Southwest Speedy Rewards® Plus Credit score Card, you may obtain 3,000 factors, that are value round $42 in Southwest airfare. This could offset an enormous chunk of the $69 annual payment.
Inflight buy low cost
If you use your Southwest Speedy Rewards® Plus Credit score Card for inflight purchases (drinks or Wi-Fi), you may obtain 25% again within the type of an announcement credit score.
Automotive rental insurance coverage
If you use your Southwest Speedy Rewards® Plus Credit score Card to pay the complete price of your automobile rental and decline the rental firm's collision harm waiver, you may get protection for harm resulting from collision or theft. This protection is secondary to your personal private coverage within the US, however main automobile rental insurance coverage abroad (or if you do not have your personal insurance coverage).
Buy safety and prolonged guarantee
New purchases made with the Southwest Speedy Rewards® Plus Credit score Card are coated by buy safety for 120 days in opposition to harm or theft, as much as $500 per declare and $50,000 per account. You too can get monetary savings as a result of the cardboard extends the time interval of a US producer's guarantee by a further yr on eligible warranties of three years or much less.
Misplaced baggage reimbursement and baggage delay insurance coverage
If you use your Southwest Speedy Rewards® Plus Credit score Card to pay to your fare, you (and your instant household) are coated in case your checked or carry-on baggage is misplaced or broken by the service, as much as $3,000 per passenger.
And in case your luggage are delayed by six hours or extra, you are eligible for as much as $300 in reimbursement ($100 a day for as much as three days) for important objects like toiletries and clothes.
Different journey protections
Should you're permitted for the Visa Signature model of the Southwest Speedy Rewards® Plus Credit score Card, you may get entry to journey and emergency help providers, which may help prepare issues like medical and authorized referrals if you're away from residence. Simply take note you are chargeable for the price of any providers organized.
All cardholders additionally get journey accident insurance coverage, which covers unintended dying or dismemberment once they use their card to pay for air, bus, practice, or cruise transportation. Visa Signature cardholders stand up to $500,000 in protection, and Visa Platinum members stand up to $250,000.
Lastly, you may additionally get entry to a roadside dispatch hotline, which might prepare providers like towing and jumpstarts if you're on the street. Once more, you may be chargeable for the precise price of the service, which will get billed to your card.
Free DoorDash DashPass subscription
By way of December 31, 2024, you possibly can activate a complimentary DoorDash DashPass subscription for 12 months which will get you no supply charges and diminished service charges if you order from DoorDash and Caviar supply providers.
GoPuff credit
If you add the Southwest Speedy Rewards® Plus Credit score Card as your default fee methodology within the Gopuff app, you possibly can obtain $10 monthly in Gopuff credit score if you make a qualifying buy. There is a minimal order quantity of $10 plus a $3.95 supply payment per order.
Gopuff is a service that guarantees quick supply of provides like groceries, comfort objects, drinks, well being and sweetness aids, and extra. You may earn the $10 credit score every month by means of December 31, 2023.
Southwest Speedy Rewards® Plus Credit score Card
Intro supply
30,000 factors and a Companion Move® good by means of 2/28/24 after you spend $4,000 on purchases within the first three months from account opening
Rewards
Earn 2X factors on Southwest® purchases. Earn 2 factors on Speedy Rewards resort and automobile rental accomplice purchases. Earn 2X factors on native transit and commuting, together with rideshare. Earn 2X factors on web, cable, and cellphone providers, and choose streaming. Earn 1 level for each $1 spent on all different purchases.
Southwest Speedy Rewards® Plus Credit score Card
Intro supply
30,000 factors and a Companion Move® good by means of 2/28/24 after you spend $4,000 on purchases within the first three months from account opening
Rewards
Earn 2X factors on Southwest® purchases. Earn 2 factors on Speedy Rewards resort and automobile rental accomplice purchases. Earn 2X factors on native transit and commuting, together with rideshare. Earn 2X factors on web, cable, and cellphone providers, and choose streaming. Earn 1 level for each $1 spent on all different purchases.
Southwest Speedy Rewards® Plus Credit score Card
Particulars
Rewards
Earn 2X factors on Southwest® purchases. Earn 2 factors on Speedy Rewards resort and automobile rental accomplice purchases. Earn 2X factors on native transit and commuting, together with rideshare. Earn 2X factors on web, cable, and cellphone providers, and choose streaming. Earn 1 level for each $1 spent on all different purchases.
Intro supply
30,000 factors and a Companion Move® good by means of 2/28/24 after you spend $4,000 on purchases within the first three months from account opening
Really helpful Credit score
Good to Glorious
Common Annual Proportion Price (APR)
20.49% - 27.49% Variable
Execs & Cons
Highlights
Extra Studying
Southwest Speedy Rewards Plus Annual Charge and Different Prices
The Southwest Speedy Rewards® Plus Credit score Card, along with charging a $69 annual payment, additionally provides international transaction charges — so it is not a good selection for purchases outdoors the US. Should you're on the lookout for a card to make use of abroad, loads of bank cards do not cost international transaction charges, together with any of the opposite Southwest playing cards.
There is a 20.49% - 27.49% Variable APR to concentrate on when you carry a stability in your card. And, as with most playing cards, you may additionally pay charges for:
- Money advances: Both $10 or 5% of the quantity of every transaction, whichever is bigger
- Stability transfers: Both $5 or 5% of the quantity of every switch, whichever is bigger
- Late funds: As much as $40
- Returned funds: As much as $40
How the Southwest Speedy Rewards Plus Compares
Southwest Speedy Rewards Plus vs Different Southwest Private Playing cards
Southwest Speedy Rewards Plus vs Different Airline Credit score Playing cards
Chase Southwest Speedy Rewards Plus Credit score Card Incessantly Requested Questions (FAQ)
The Southwest Speedy Rewards® Plus Credit score Card affords ongoing advantages useful sufficient to offset the $69 annual payment annually, between the three,000 anniversary factors and two EarlyBird Test-In certificates. Nonetheless, when you would not in any other case spend cash for EarlyBird Test-In, this card is probably going not an excellent deal long-term. It is higher to discover the opposite extra benefits-rich Southwest bank cards.
To have the most effective probability of being permitted for a journey bank card just like the Southwest Speedy Rewards® Plus Credit score Card, your credit score rating needs to be 700 or above. It is potential to be permitted with a decrease rating (your credit score rating is not the one issue that banks use to approve your utility). Nonetheless, a wholesome credit score rating is important to opening up extra journey bank cards sooner or later.
Chase has a number of particular guidelines in relation to bank card functions: Should you've opened 5 or extra playing cards (from any financial institution) inside the final 24 months, you will not be eligible for this card. The one exception is most small enterprise playing cards. This is named the Chase 5/24 rule.
Should you at the moment have a Southwest private bank card, you are not eligible for one more. You will should cancel your present card first. And when you've obtained a welcome bonus from a Southwest private card inside the previous 24 months, you are not eligible for this card.
The Southwest Companion Move enables you to deliver a journey buddy each time you fly Southwest for simply the price of taxes and charges. So long as there are two seats accessible, you possibly can deliver somebody alongside.
This is not a one-time voucher, both, like companion certificates supplied by different airline playing cards. Even when you fly each single day, your companion will get to fly with you. Simply word that you will have to be on the itinerary to your companion to qualify. Should you're not touring with them, they can not profit from the Companion Move.
Sure, you should utilize the Companion Move on Southwest award flights. Merely e-book your flight with factors, then add your companion later. You will then each pay simply taxes and charges to your flight.
You may change your companion as much as thrice per calendar yr. For instance, after you earn your Companion Move, it's possible you'll designate your partner as your companion. You may then:
Change your companion to your little one (first change)
Change your companion again to your partner (second change)
Change your companion to your different little one (third change)
Methodology: How we reviewed the Southwest Speedy Rewards Plus
Chase affords three Southwest private bank cards, every with various annual charges and advantages to go well with the budgets and journey targets of various flyers. We in contrast the Southwest Speedy Rewards® Plus Credit score Card in opposition to the advantages and welcome bonuses of these and different related airline bank cards to reach at a ranking of three.55 stars out of 5 stars.
This is a better take a look at how we price bank cards at Insider.
High Provides From Our Companions
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