This content was accurate at the time of publication. Check the bank site for the most up to date information.
All information about this card has been collected independently by Katie’s Travel Tricks.
Non-affiliate offer
50,000 points
after you spend $1,000 on purchases in the first 3 months from account opening.
Annual Fee
$149
How to Earn Rewards
3x
Earn 3 points on all Southwest® purchases.
2x
Earn 2 points for each dollar spent at gas stations and restaurants.
2x
Earn 2X points on internet, cable, and phone services; select streaming, local transit and commuting, including rideshare through December 31, 2025.
1x
Earn 1X points on all other purchases.
Benefits
Complimentary Preferred seat at booking – Select a Standard or Preferred seat within 48 hours prior to departure, when available.
First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
6000 points per year on your card member anniversary
My Take
I think the overall value is currently best on this one, comparing all the Southwest cards with their new higher annual fees. You can compare all the Southwest cards here.
On your cardmember anniversary you’ll get 6000 anniversary points — that’s worth about $90 in flights. You’ll also get a 15% off coupon on your anniversary (not valid on Basic fares). And then you’ll get the additional option of picking Preferred or Standard seats 48 ours in advance. Effectively when you value the anniversary points, I think the Premier card costs $5 more than the Plus — and I think that $5 is worth it for having more seats to pick from.
With any offer, pay close attention to Companion Pass timelines if you’re hoping to earn a Companion Pass.
Want to check your eligibility for this card? Use our flow chart here.
offer History
Southwest offers 3 personal credit cards with different annual fees — they usually have identical offers. Offers change throughout the year offering 40,000-85,000 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. A sign up offer of 100,000 miles ended in September 2025.
An elevated offer ended in December 2025 to earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months.
Eligibility Checker
Is your credit score 700 or above?
Are you under 5/24?
(Have you opened fewer than 5 cards in the last 24 months?)
Do you have a Chase checking account?
Have you earned the bonus on ANY Southwest personal card in the past 24 months?
Do you currently have any Southwest personal card?
Can you closely track your spending and be sure NOT to meet your bonus before December 31?
Does your partner already have a SW card?
Apply In Person
Your best chance for approval is if you apply in a physical branch.
Raise Your Score
Work on raising your credit score before applying for this card. You might be eligible for other offers in the meantime!
View Best Offers »Wait for 5/24
You need to wait until you are under 5/24 to apply. In the meantime, check out offers from other banks!
View Best Offers »Consider Business Cards
You're not eligible for a SW personal card right now, but you might qualify for a business card!
View Business Offers »Limit Reached
You can only hold one SW personal card at a time. Check out other top travel cards instead!
View Best Offers »Wait until December 1st
Wait until Dec 1st to apply so you can still earn a Companion Pass. Bookmark our offers page for later!
View Best Offers »Follow Timeline
Please follow the timeline carefully to maximize your rewards.
You are Eligible!
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View Best Offers »Benefit Calculator
Southwest® Premier 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.
Your Total Annual Value:
Annual Fee: $149
Your Net Value / Cost:
Benefit Checklist
Southwest® Premier Card Benefit Checklist
A handy guide for Katie's Travel Tricks readers to maximize your card benefits.
Reminder: Potential Value: ~$84
Reminder: Potential Value: $30 - $50
Reminder: 15% promo code each year
Reminder: Better seating options when available
Reminder: On drinks & WiFi
Reminder: $35 per bag x flights per year
Reminder: Auto Rental Coverage, Roadside Assistance, Purchase Protection, Extended Warranty, Lost/Delayed Luggage, Travel Assistance, & Travel Accident Insurance.
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