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welcome offer:

Earn Companion Pass® through 2/28/27 plus 20,000 points

Earn Companion Pass® through 2/28/27 plus 20,000 points after you spend $3,000 in the first 3 months from account opening.

Personal Referral: All information about this card has been collected independently by Katie’s Travel Tricks.

Note that this link takes you to all the SW cards, you’ll need to select the exact one you want!

alternate offer – non-affiliate:

Earn 65,000 bonus points 

Earn 65,000 bonus points after you spend $1,000 in the first 3 months from account opening.

In-Airport Offer: All information about this offer has been collected independently by Katie’s Travel Tricks.

Annual Fee:

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  • Select a Standard seat within 48 hours prior to departure, when available. For flights operating in 2026 and beyond.
  • 2 early bird check-ins per year through 2025
  • 25% back on in-flight purchases
  • 2x points on Southwest purchases
  • 2X at Gas stations and Grocery stores on the first $5,000 in combined purchases per year
  • 10% promo code each year on card member anniversary
  • First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation
  • No foreign transaction fee
  • 3,000 points per year on your card member anniversary

My Take

This card has two different offers going on right now, take your pick!

This is the lowest annual fee Southwest card and the value is decent for what you pay. The anniversary points are worth about $40-45. You can compare this to other Southwest cards in our Southwest card guide where we even have benefit calculators.

With any offer, pay close attention to Companion Pass timelines if you’re hoping to earn a Companion Pass.

Check your eligibility for this card here.

Southwest offers 3 personal credit cards with different annual fees — they usually have identical offers. Offers change throughout the year typically offering 40,000-100,000 bonus points. Higher bonus points usually require higher spending. The past few years in early Spring, an offer appears that also includes a promotional Companion Pass.

An elevated offer ended in December 2025 to earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months