Best Credit Cards For Southwest Points

Southwest Airlines

Enter your spend across multiple categories, get a list of the best credit cards for earning Southwest Rapid Rewards Points, and compare results.


Southwest offers five credit cards consisting of three personal cards and two business cards that can earn you Southwest Rapid Rewards Points on everyday spend. You can also earn Southwest Points by earning rewards with partner programs and transferring those rewards over to your Southwest Rapid Rewards account.

Ultimate Rewards Credit Cards

Chase Ultimate Rewards is also a great option for earning Southwest Rapid Rewards Points due to the 1:1 transfer ratio. With Chase's line-up of credit cards, you can easily earn the equivalent of 2x-3x Southwest Points across many categories.

With the Chase Ink Business Preferred Card, you'll earn 3x on travel purchases which includes purchases with Southwest. You'll also earn 5x on spend with Lyft and 3x across several other categories including shipping, internet, and phone services.

lyft pink chase
You'll receive benefits with Lyft with the Chase Sapphire Reserve.

If you're looking for a premium travel card, the Chase Sapphire Reserve can be a great choice with it's 3x earnings across both travel and dining spend along with the 10x earning on Lyft spend. You'll also receive a bunch of elite travel benefits such as Priority Pass lounge access, Global Entry/TSA PreCheck credit, and Chase's great travel and purchase protections.

If you own a Chase Ultimate Rewards credit card, you can transfer cash back earned with Chase into Ultimate Rewards Points at a 1 cent for 1 point ratio. This makes the Chase Ink Business Cash Card a great choice for earning the equivalent of 5x Southwest Points across office supply stores, internet, cable, and phone services spend.

Best Credit Card Options

If you're looking to earn a good amount of Rapid Rewards Points, your best bet will come from using Southwest Credit Cards and Chase Ultimate Rewards Credit Cards.

Southwest Credit Cards

Southwest credit cards are great for anyone who wants to earn a few additional benefits with Southwest such as annual points, the ability to earn Tier Qualifying Points with spend, save on in-flight purchases, and to work their way towards the Southwest Companion Pass.

The best entry level card for Southwest is the Southwest Premier Card or the Southwest Business Premier Card. The cards earn double Southwest Points on Southwest, hotel, and car rental purchases and also offers annual bonus points and the ability to earn Tier Qualifying Points with spend.

If you're looking for a little more, you can take a step up to the Southwest Priority Card which offers the same double earnings across Southwest, hotel, and car rental purchases along with an annual travel credit, boarding upgrades, 20% off in-flight purchases, and a higher amount of annual anniversary points.

On the business side, you have the Southwest Performance Business Card which offers the highest earning of 3x on Southwest spend along with 2x across advertising, internet, cable, and phone service purchases. You'll also get a Global Entry/TSA PreCheck credit, in-flight WiFi credits when flying Southwest, and more.

Best Credit Card Calculator

This calculator will give you a list of the best credit cards for earning Rapid Rewards Points based on your monthly, yearly, or quarterly spend across different categories. Results will include credit cards that earn Rapid Rewards Points directly and credit cards that earn rewards that are transferable to your Rapid Rewards account.

Credit Card Search Types

Best Cards By Estimated Return - Get a list of credit cards that gives you the best return. This is based on spend, currency value, annual credits, and annual fees.

Best Cards By Total Points - Get a list of credit cards that earns you the most points/miles based on spend. Currency value, annual credits, and annual fees are not factored into this search. Great for those who get waived fees (i.e. military).

After your results are displayed, I recommend clicking on a card's Rewards Calculator. This allows you to come up with a more accurate number by adjusting the cash value of perk, being able to calculate spend bonuses & other savings, add in sign up bonuses, toggle annual fees and authorized user fees, and much more. You'll also be able to compare the results side by side any credit card featured on the site!

Click on Rewards Calculator to compare credit cards side by side based on spend, benefits, and fees. You can also change any credit card to reflect transfer partner ratios (when applicable).
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can click Add/Remove Categories to adjust the listed categories. You can hit Calculate to calculate the results of your spend against all cards in the database.

Currency Value

You can input how much you value the currency per cent and the results will give you the estimate return based on spend, value, annual credits, and annual fees. This field has no effect on the Best Cards By Total Points search.
Input value in cents ($0.0XXXX) or regional equivalent.

Bank (Holder)

The bank issuing the card. [Populates After Search]

Network

The network the card is tied to. [Populates After Search]

Card Type

The type of card such as co-branded airline cards, hotel cards, cruise line cards, and bank rewards cards. [Populates After Search]

Personal/Business

Toggle switch for displaying personal and business cards. Mixed/Combos are pairs of 2 or more cards that are featured on the site. They can consist of a mix of personal and business cards.

Annual Fee (Range)

The range of fees you're willing to pay to wield such cards.

Foreign Transaction Fee

The percentage of fees you'll pay on the dollar (or local currency) when you use the card outside of it's region.

Results

Do note that results may take a few seconds to generate after doing a search. For more accurate results, I recommend using the Rewards Calculator. Some credit cards may appear in this list more than once if there's more than one path to transferring rewards. Credit cards with negative returns may also appear in this list, but be sure to consider the perks of the card before canceling it out as an option!
Results Will Appear Here

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