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Current welcome offer
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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 40,000-75,000 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.
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