Rewards rate
1x - 4x
Points per dollar
Annual fee
$229
Welcome bonus
100,000
Points
Editors' bonus value estimate
$1,350

Additional rates & fees

Annual fee: $229

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: $10

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

Limited Time Offer: Our best points offer this year, earn 100,000 bonus points after spending $4,000 on purchases in the first 5 months from account opening.
7,500 anniversary points each year.
Earn 4 points per $1 spent on Southwest Airlines® purchases, including flights, inflight, and Southwest gift cards.
Earn 2 points for every $1 you spend at gas stations and restaurants
First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
Select a Preferred seat at booking, at no additional charge, when available.*
Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.*
No foreign transaction fees.
Member FDIC

Rates and fees