Southwest Quick Rewards Plus Credit Card Review: Complete Details

Southwest Quick Rewards Plus Credit Card Overview

this Southwest RapidRewards® Plus Credit Card (See Rates and Fees) Any Southwest Airlines credit card on the market has the lowest annual fee, which is strength or weakness, depending on your opinion. While the $99 annual fee is affordable, the Southwest Card lacks its high-priced allowance to get you interested in the initial welcome bonus. Card rating*: ⭐⭐

*Card ratings are based on the opinions of TPG editors and are not affected by the card issuer.

In a hobby dominated by an extremely despicable credit card with over $550 and a luxury list, it’s hard to imagine that a common brand of airline credit card with $99 annual fees could be valuable to loyal Southwest customers.

but, Southwest Garca In some cases, it does make sense for some flyers.

This card, along with four other common Southwest greeting cards, has been recently refreshed. Southwest Plus card refresh includes expanded travel day benefits and updated bonus category revenue. Apart from these changes, about 44% of the annual fee increases to $99.

It is also important to note that Southwest Airlines is in a radical change, including the boarding process, bagging fees and seating tasks.

We generally recommend that applicants have a credit score of 670 or above to increase their chances of approval.

Let’s see how the cards and their privileges added to the Southwest are comparable to those of the high-end siblings.

Related: How to Choose an Airline Credit Card

Southwest Quick Rewards and Pros and Cons of Credit Cards

Related: Credit Card 101: A Beginner’s Guide

Southwest Express Rewards Plus Credit Card Welcome Discount

New Southwest Cardholders can earn 100,000 bonus points after spending $4,000 in the first five months of opening.

According to TPG’s July 2025 valuation, the 100,000 points included in this welcome offer are worth $1,400. This is the highest welcome quote we’ve seen on this card without a partner pass.

If you have someone who travels with you regularly, you may need to wait for a quote that includes a partner pass as it can add more value to you.

Remember that you may have a chance to win a welcome bonus and a companion pass (depending on your spending) as you will receive 114,000* points, close to the 135,000 points you need to get a companion pass.

*This total is based on the 100,000 points you earn from the welcome bonus, plus the additional 4,000 points you earn from the expenditure requirement and the 10,000 peer pass eligibility points you will also receive.

Before you rush to apply for this card, there are two application rules to remember. First, the cards in the southwest comply with Chase’s 5/24 rules. If you have opened five or more new credit card accounts (not just Chase) in the past 24 months, you may not approve the card.

Another limitation applies specifically to Southwest credit cards. If you have any personal Southwest credit card (or have received a welcome bonus on the Southwest personal card in the last 24 months), you will not be eligible for the bonus on this card.

Related: Final Guide to Credit Card Application Restrictions

Southwest Quick Rewards Plus Credit Card Benefits

this Southwest Garca Offers benefits beyond welcome bonuses. It is important to note that current cardholders will receive all current benefits by December 31.

You will enjoy the following ongoing benefits in exchange for the $99 annual fee for this card:

• Free check bag: Received the first inspection bag from the cardholder and travel on up to the same booking.
• Standard seating options: Cardholders offer you a free standard seating option within 48 hours of departure, up to eight passengers who can travel on the same booking. Given the cost of choosing a seat now, this revitalization can be very valuable, depending on how often you fly southwest.
• Early bird occupancy for two years: Receive two free early bird check-in (for flights running in 2025; ending December 31). Given that these check-in costs up to $99 per person, only one person may cover the card’s annual fee in 2025.
• Priority boarding: Cardholders themselves receive 5 sets of priority (2026 and beyond) and can travel on the same booking at most. If you have A-List status, you can board with an earlier group.
• Anniversary bonus: According to TPG’s July 2025 valuation, cardholders receive 3,000 bonus points worth $42 per account anniversary year.
• Increase the eligibility points of 10,000 companions per year: Cardholders receive 10,000 points per year.
• 25% on-board savings: Cardholders receive a 25% refund (as a statement credit) after using the card to purchase on-board beverages and Wi-Fi.
• Flight discount code: Cardholders receive a 10% flight discount code for each anniversary year (excluding base fare).

Southwest and cardholders will receive the following purchase and travel protections:

Southwest Quick Rewards Plus Credit Card Points

and Southwest Garcayou will earn:

• New: 2 points per dollar spent at gas stations and grocery stores annually, the first $5,000 combined purchases per year (according to TPG’s July 2025 valuation of 2.8%)
• 2 points per dollar spent on Southwest purchases (return 2.8%)
• Spend 2 points on Quick Reward Hotels and Car Rental Partners (2.8% return; termination; December 31)
• Spend 2 points per dollar on local transportation and commuting, including ride service (2.8% return; termination; December 31)
• 2 points per dollar spent on internet, cable and telephone services; 2 points per dollar spent on select streaming services (2.8% return; termination on December 31)
• 1 point per dollar spent on all other purchases (rewards 1.4%)

It is important to note that current cardholders will receive current and new revenue rates by December 31.

The card now has no foreign transaction fees, so it is a good choice to buy abroad.

These are good revenue rates for a common brand of airline cards, but the Southwest purchases are lower than those for other individual Southwest cards. If your primary motivation for getting this card is to earn bonus points on your Southwest purchase, you might want to choose one of them.

Related: Is the airline credit card worth it?

Southwest Quick Rewards Plus Redemption Points on Credit Cards

Redeem you Southwest Garca For Southwest flights, get the best value from it.

Rapid Rewards also offers other redemption options, including gift cards, merchandise, hotel accommodation, car rental and travel experiences. However, the redemption value on these options is much lower than what you get when using points for Southwest flights.

Reward pricing is related to the cash price of the ticket. Therefore, the points you need will rise or fall based on the cash price of the flight. Positively, it is almost always possible to use your perspective on Southwest flights.

TPG Content Summer Hull’s senior director cashed in 11,000 fast bonus points from Houston to Lihue in Hawaii. Ensuring that such redemption can further develop your point of view.

Related: How to redeem points through the Southwest Quick Rewards Program

Which card competes with Southwest Quick Rewards and Credit Cards?

this Southwest Garca The most obvious competitor is Southwest Credit Card. However, it is also worth considering whether a general travel credit card may be better for your wallet.

• If you want more Southwest benefits, you will need a trivial fee: Southwest RapidRewards® Premier credit card has a reliable allowance that justifies its $99 annual fee. These include 6,000th Anniversary Rewards Points, two early box office checks each year (for 2025 operations; terminated December 31), and 25% of revenue in shift purchases and qualifying close to A-List Sutie. To learn more, read our full review of the Southwest Prime Minister’s Card.
• If you fly the Southwest regularly and want the most benefits: this Southwest RapidRewards® Priority Credit Card (See Fees & Fees) is the best personal Southwest credit card with an annual fee of $229. It offers 7,500th Anniversary Rewards Points and an annual $75 Southwest Travel Credit (December 31). To learn more, read our full review of Southwest Priority Card.
• If you want more perspectives that can be used with the Southwest and use them in other ways: this Chase Sapphire Priority® Card (See rates and fees) is a great option for chasing the ultimate reward points that you can redeemed through Southwest Airlines, other airlines and hotel partners. You will also get a lot of travel protections and the card costs $95 annually. To learn more, read our full review of sapphire preferences.

Information on the Southwest Quick Reward Prime Minister’s Credit Card has been independently collected by Tocts Guy. The card details on this page have not been reviewed or provided by the card issuer.

For more options, check out our full list of the best travel credit cards and the best chase credit cards.

Related: Comparison of Southwest Quick Rewards Priority, Prime Minister and Credit Card

Is Southwest Quick Rewards and Credit Cards worth it?

this Southwest Garca Southwest credit cards have the lowest annual fee of $99, so it’s a great option for those who keep the annual fee low or just try the Southwest. However, if you are a faithful Southwest flyer, one of the other two personal cards will represent a higher value.

Bottom line

Only $99 per year, Southwest Garca Allows you to earn enough points to make it worth the annual fee. Plus, it has a few benefits, such as choosing a standard seating option within 48 hours of departure and offering a free first check bag, which can prove that cards are kept in your wallet every year.

However, if you fly with Southwest regularly, one of the other two Southwest cards will offer additional privileges. In addition to simply looking at the annual fee, be sure to evaluate the best fit for you.

Apply here: Southwest Quick Rewards Plus Credit Card