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This content was accurate at the time of publication. Check the bank site for the most up to date information.

Learn How to Apply

Current welcome offer

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ELEVATED OFFER

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65,000 bonus points

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

>Learn how to apply

Annual Fee

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How to Earn Rewards

2x

Earn 2x points on all Southwest® purchases.

2x

Earn 2X points on local transit and commuting, including rideshare.

2x

Earn 2X points on internet, cable, and phone services; select streaming.

1x

Earn 1X points on all other purchases.

key Benefits

Anniversary Bonus: 3,000 bonus points on each cardholder anniversary

First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.

Complimentary Standard seat – Select a Standard seat within 48 hours prior to departure, when available. For flights operating in 2026 and beyond.

My Take

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.

Note that you can only get one of the three personal cards at a time, and are only eligible for the bonus if you have not had another Southwest personal card bonus in the last 24 months.

offer History

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.

Benefit Calculator

Southwest® Plus Credit Card Benefit Calculator

Southwest® Plus Card: What's It Worth to You?

Enter your personal estimated annual value for each benefit to see a customized calculation of the card's worth.

3,000 Anniversary Points Potential Value: ~$42

$

2 EarlyBird Check-In® Credits Per Year Potential Value: $30 - $50

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Flight Discount (excludes Basic fare) 10% promo code each year

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Select a Standard seat within 48 hours of departure Better seating options when available

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25% Back on Inflight Purchases On drinks & WiFi

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1 Checked Bag for Cardholder (+ 8 on Same Booking) $35 per bag x flights per year

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Travel and Purchase Protections Auto rental, roadside help, purchase/warranty protection, lost/delayed luggage, travel aid, & accident insurance.

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Your Total Annual Value:

$0

Annual Fee: $99

Your Net Value / Cost:

-$99

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