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Rewards rate
1x - 4xPoints per dollarAnnual fee
$299Welcome bonus
80,000PointsEditors' bonus value estimate
$1,080
Additional rates & fees
- Annual fee
- $299
- Intro purchase APR
- N/A
- Regular purchase APR
- 19.99% - 28.49%* Variable
- Intro balance transfer APR
- N/A
- Regular balance transfer APR
- 19.99% - 28.49%* Variable
- Cash advance APR
- 29.24%* Variable
- Cash advance fee
- 5%, Min: $15
- Late fee
- See Terms*
- Penalty APR
- Up to 29.99%
- Balance transfer fee
- 5%, Min: $5
- Foreign transaction fee
- $0
- Return payment fee
- See Terms*
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.
Card details
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 2 points for every $1 you spend at gas stations and restaurants
- Earn 2X points on hotel accommodations booked directly with the hotel
- Earn 2X points on local transit and commuting, including rideshare.
- First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
- Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.*
- Member FDIC
Rates and fees