Southwest Speedy Rewards Precedence Credit score Card overview
The Southwest Speedy Rewards® Precedence Credit score Card (see charges and costs) is probably the most rewarding of Southwest Airways’ private bank cards. It has a $229 annual price and provides 7,500 anniversary bonus factors. With probably the most advantages of any of Southwest’s playing cards, that is the cardboard to get in case you’re a Southwest loyalist. Card Ranking*: ⭐⭐⭐½
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Southwest Airways is in the course of sweeping adjustments, together with an up to date boarding course of beginning in January 2026 and baggage now not flying free. Not like different airways, Southwest does not supply lounges, nevertheless it plans to implement premium cabins and has began retrofitting planes to incorporate seats with additional legroom.
Amidst all of those adjustments, the airline’s full suite of cobranded bank cards was not too long ago refreshed, introducing all kinds of adjustments.
This contains the Southwest Precedence card, probably the most premium card with perks aimed toward making the Southwest journey expertise extra nice for frequent Southwest flyers.
This card received the Greatest Airline Cobranded Credit score Card award within the 2024 TPG Awards, however with these new adjustments, solely time will inform if it’s going to take residence the crown once more this 12 months.
The Southwest Precedence card has a really helpful credit score rating of 670 or above.
Let’s dive in and see if the cardboard’s advantages are worthwhile sufficient to warrant its $229 annual price, and whether or not now’s the proper time so that you can apply.
Southwest Precedence Credit score Card professionals and cons
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Southwest Precedence Credit score Card welcome supply
New Southwest Precedence cardholders can earn an elevated 85,000 bonus factors after spending $3,000 on purchases within the first three months from account opening.
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In accordance with TPG’s October 2025 valuations, the 85,000 factors included on this welcome supply are price $1,190. This is likely one of the larger points-only welcome provides we have seen on the cardboard and meets our standards on when to use.
Notice that Southwest playing cards are topic to Chase’s 5/24 rule. In the event you’ve opened 5 or extra bank cards up to now 24 months (from all banks, not simply Chase), you is probably not accepted.
Moreover, you possibly can’t open a brand new private Southwest card in case you have one open. You additionally will not be capable of get a brand new welcome bonus from a private Southwest card in case you’ve acquired one up to now 24 months.
Associated: How one can shortly earn the Southwest Companion Go
Southwest Precedence Credit score Card advantages
The Southwest Precedence card provides the next advantages, a lot of which might help offset the annual price. Most advantages will make the day-of-travel expertise far more pleasing.
It is necessary to notice that present cardholders will obtain all their present advantages till Dec. 31.
Cardholders obtain:
- Anniversary bonus: In your card anniversary annually, you may obtain 7,500 Speedy Rewards factors, price $105 primarily based on TPG’s valuations.
- Annual Southwest journey credit score: Throughout every cardmember 12 months, you may obtain a $75 journey credit score that can be utilized on most Southwest purchases, together with tickets (excluding upgraded boardings and inflight purchases; this credit score will finish Dec. 31).
- Two EarlyBird Verify-Ins yearly: These EarlyBird Verify-Ins can value as a lot $99 (ends Dec. 31).
- 4 upgraded boardings per 12 months: For flights working in 2025, you may have the power to improve your boarding as much as 4 instances (ends Dec. 31).
- Free first checked bag: Obtain a free first checked bag for you and as much as eight passengers touring on the identical reservation. (An ordinary first checked bag prices $35, which might save a household of 4 $280 on a round-trip itinerary.)
- Group 5 precedence boarding (for 2026 and past): If in case you have A-list standing, you possibly can board with an earlier group.
- Most well-liked seat choice at reserving: When obtainable, you and as much as eight passengers touring on the identical reservation can choose most popular seating on the time of reserving.
- Limitless extra-legroom upgrades: When obtainable, you and as much as eight passengers touring on the identical reservation can choose extra-legroom seats inside 48 hours previous to departure. This arguably is probably the most worthwhile perk offered by the cardboard, as most home airways solely supply complimentary extra-legroom seating to their elite members or require a hefty spending quantity on a cobranded card.
- 25% inflight financial savings: Obtain 25% again (as a press release credit score) after you employ your card to buy inflight drinks and Wi-Fi.
- Tier qualifying factors increase: Earn 2,500 tier qualifying factors that rely towards A-Listing and A-Listing Most well-liked standing for each $5,000 you spend in a calendar 12 months.
- 10,000 Companion Go qualifying factors increase yearly: Cardholders obtain 10,000 factors towards a Companion Go annually.
Along with the Southwest-specific advantages, the cardboard comes with misplaced baggage reimbursement, baggage delay insurance coverage, prolonged guarantee safety and buy safety.
The cardboard additionally carries no international transaction charges, so it is a good selection for spending overseas.
Associated: How one can get airline elite standing
Incomes factors with the Southwest Precedence Credit score Card
This is what you may earn with the Southwest Precedence card:
- 4 factors per greenback spent on Southwest purchases (5.6% return primarily based on TPG’s valuations)
- 2 factors per greenback spent at fuel stations and eating places (2.8%)
- 2 factors per greenback spent with Speedy Rewards resort and automotive rental companions (2.8%; ends Dec. 31)
- 2 factors per greenback spent on native transit and commuting, together with ride-hailing apps (2.8%; ends Dec. 31)
- 2 factors per greenback spent on web, cable and cellphone companies and choose streaming purchases (2.8%; ends Dec. 31)
- 1 level per greenback spent on all different purchases (1.4%)
This card provides a greater diversity of bonus classes than different airline bank cards; nevertheless, many of those bonus classes shall be eliminated on the finish of the 12 months. It’s possible you’ll be higher suited with different high journey playing cards, as their earnings could be much more profitable.
You will earn 5.6% again on Southwest purchases and a pair of.8% again on choose purchases (in accordance with TPG’s valuations), which aren’t dangerous charges of return for a cobranded bank card. Plus, the fuel and grocery bonus class could be useful for individuals who plan to place a bulk of their on a regular basis spending on the cardboard.
Nevertheless, this is probably not the very best Southwest card for you in case you do not ebook Southwest flights typically or desire to make use of different portals for resort and rental automotive bookings.
Associated: Greatest rewards bank cards
Redeeming factors with the Southwest Precedence Credit score Card
Redeeming Southwest Speedy Rewards factors with the Southwest Precedence card could be very easy.
Southwest award costs are instantly tied to the money worth of the ticket, which means the variety of factors you want for a flight will fluctuate, however you may not often encounter instances when you possibly can’t use your factors. Plus, you possibly can redeposit your award with out penalty in case your plans change.
Whereas Southwest’s factors will not enable you to fly in first-class suites, they’ll present nice worth.
As an example, you possibly can fly from Los Angeles Worldwide Airport (LAX) to Chicago’s Halfway Worldwide Airport (MDW) for as few as 8,091 factors one-way, relying on the time of 12 months. In the meantime, different airways typically cost 10,000 miles or much more (assuming you will discover availability).
In the event you ebook throughout certainly one of Southwest’s flash gross sales, you possibly can rating awards for lower than 2,500 factors one-way. You’ll be able to even fly to enjoyable locations like Hawaii, Costa Rica and Mexico together with your Southwest factors.
As an example, Emily Thompson, a e-newsletter and partnerships editor at TPG, not too long ago took benefit of certainly one of these gross sales to ebook a round-trip ticket between Nashville Worldwide Airport (BNA) and San Jose Mineta Worldwide Airport (SJC) in California for underneath 25,000 factors.
Associated: How one can redeem your factors with the Southwest Speedy Rewards program
Which playing cards compete with the Southwest Precedence Credit score Card?
Southwest Airways provides three private playing cards, so you possibly can select the one that matches you greatest.
- If you’d like Southwest advantages with a extra modest price: The Southwest Speedy Rewards® Premier Credit score Card has a $149 annual price. It provides most popular seat choice inside 48 hours previous to departure (when obtainable), one 15% promotional code every cardmember anniversary (excluding primary fare), 6,000 anniversary bonus factors and a free checked bag. To be taught extra, learn our full evaluation of the Southwest Premier card.
- If you’d like a Southwest card with an excellent decrease annual price: The Southwest Speedy Rewards® Plus Credit score Card (see charges and costs) has a $99 annual price and permits normal seat choice inside 48 hours previous to departure (when obtainable), one 10% promotional code every cardmember anniversary (excluding primary fare), 3,000 anniversary bonus factors and a free checked bag. To be taught extra, learn our full evaluation of the Southwest Plus card.
- If you’d like transferable factors to make use of with Southwest and different airways: The Chase Sapphire Most well-liked® Card (see charges and costs) earns Chase Final Rewards factors, which you’ll switch 1:1 to certainly one of Chase’s 13 companions, together with Southwest. You will get quite a few journey protections, a $50 annual resort credit score on resort bookings made by means of Chase Journey℠ and strong incomes classes for a $95 annual price. To be taught extra, learn our full evaluation of the Sapphire Most well-liked.
For extra choices, try our full record of journey bank cards.
The knowledge for the Southwest Speedy Rewards Premier has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Is the Southwest Precedence Credit score Card price it?
In the event you fly Southwest a minimum of a couple of instances annually, you’ll come out forward with the Southwest Precedence card. Its on a regular basis incomes charges aren’t probably the most profitable, however spectacular built-in perks like most popular seat choice (when obtainable), Group 5 boarding (for 2026 and past), free checked baggage for you and eight journey companions, and anniversary bonus factors make up for it. Nevertheless, in case you fly Southwest much less typically, you may probably desire certainly one of our different favourite airline playing cards.
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