Best Credit Cards For Southwest Points (Rewards Calculator)

Get our picks for the best credit cards for earning Southwest Points and calculate which cards earn you the most points and best return based on your spend.

Southwest offers a handful of credit cards that you can use to earn Southwest Rapid Rewards Points across your everyday purchases. You can also earn a bunch of points with Southwest by using credit cards offered by Southwest's transfer partners which gives you alternative ways to build your points faster spending across different categories.

Review our picks for best credit cards for earning Southwest Points and calculate which cards can earn you the most points and best return based on your spend.

Best Credit Cards For Southwest Points

Southwest Rapid Rewards
Chase Ultimate Rewards (1:1)
Chase Sapphire Reserve®
Best Overall Value For Most Travelers
Chase Sapphire Preferred®
Best For Flexible Rewards

This page details our top picks for the best credit cards for earning Southwest Points. There's also a Rewards Calculator at the bottom of this page that you can use to estimate which credit cards can earn you the most miles and best average return on your spend.

The cards on this page are updated periodically. New cards are introduced from time to time and the benefits of current cards could change at any time. If you're looking for credit cards based on other criteria, you can check all of our best credit cards lists.

You can also use our Credit Card Finder Tool to search by spend across all credit cards in our database.


Best For Southwest Benefits

Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards® Priority Credit Card

If you fly Southwest often and you're looking for the most benefits, the Southwest Rapid Rewards® Priority Credit Card is going to be the best option.

The card earns 2X Southwest Rapid Rewards Points on Southwest purchases and 1X on all other purchases ran through the card.

Benefits of the card include an annual $75 travel credit, four upgraded boardings annually, 7,500 anniversary points annually, the ability to earn Tier Qualifying Points on credit card spend, and much more.

With all three cards offering the same earnings, the Southwest Rapid Rewards® Priority Credit Card offers a great amount of benefits that can easily make up for the annual fee.

Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards Priority Credit Card
Intro Bonus
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months.
Rewards Rate
3X
Earn 3 points per $1 spent on dining, including takeout and eligible delivery services, for the first year.
2X
Earn 2 points per $1 spent on Southwest® purchases.
1X
Earn 1 point per $1 spent on all other purchases.
Main Card Highlights
  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months..
  • 7,500 bonus points after your Cardmember anniversary each year.
  • $75 Southwest® travel credit each year.
  • 4 Upgraded Boardings per year when available.
  • 20% back on in-flight drinks and WiFi.
Annual Fee
$149
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best Overall Value For Most Travelers

Chase Sapphire Reserve®
Chase Sapphire Reserve®

If you're looking to turn your maximize your spending, the easiest way is by using the Chase Sapphire Reserve®.

It earns 3X Ultimate Rewards Points on travel and dining purchases, and 1X on all other purchases. Points can be transferred to Southwest Rapid Rewards at a rate of 1:1. This allows you to earn the equivalent of 3X on Southwest purchases.

As a Sapphire Reserve cardholder, you'll be able to redeem Ultimate Rewards Points for a value of 1.5 cents each towards travel booked through Chase Ultimate Rewards. This gives you an easy, high-value redemption option that can be great if you can't find great award redemption with Southwest.

Other great benefits include up to $300 in annual travel credit, Priority Pass Select membership, and superb travel insurance.

Chase Sapphire Reserve®
Chase Sapphire Reserve
Intro Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
Rewards Rates
3X
3X per $1 spent on travel after earning your $300 travel credit
3X
3X per $1 spent on dining
1X
1X per $1 spent on all other purchases
Main Card Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Backâ„ , your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Annual Fee
$550
Authorized User Fee
$75 for each additional user
Foreign Transaction Fee
0%

Best For Flexible Rewards

Chase Sapphire Preferred®
Chase Sapphire Preferred®

If you want to earn a steady stream of flexible rewards on your spend without all the bells and whistles of the Chase Sapphire Reserve, then consider the Chase Sapphire Preferred®.

It offers 2X Ultimate Rewards Points on travel and dining purchases, and 1X on all other purchases. Points can be transferred to Southwest Rapid Rewards at a 1:1 ratio.

Points earned with the card can be redeemed for 1.25 cents each towards travel booked through Chase Ultimate Rewards. This gives you a great alternative in the case you want to redeem your points for hotels, car rentals, or another airline.

Overall, the Chase Sapphire Preferred is a great option if you enjoy flying Southwest and want to earn some excellent travel rewards.

Chase Sapphire Preferred®
Chase Sapphire Preferred
Intro Bonus
Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
Rewards Rates
2X
2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel.
1X
1X points per dollar spent on all other purchases.
Main Card Highlights
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Backâ„ , your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Business Spend

Chase Ink Business Preferred® Credit Card
Chase Ink Business Preferred® Credit Card

If your business uses Southwest, you'll want to sweep up the Ink Business Preferred® Credit Card.

It earns 3X Ultimate Rewards Points on the first $150,000 spent on travel, shipping, internet, cable, phone, and advertising purchases and 1X on all other purchases. Points can be transferred directly to Southwest Rapid Rewards at a 1:1 ratio.

As a cardholder, points can be redeemed for 1.25 cents each towards travel redemptions in the Chase Ultimate Rewards portal. This gives your business the ability to be flexible with how you want to redeem your rewards.

Like all Chase credit cards, the Ink Business Preferred Credit Card also offers top-notch travel insurance which is great if business plans change.

Chase Ink Business Preferred® Credit Card
Chase Ink Business Preferred Credit Card
Intro Bonus
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Rewards Rate
3X
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1X
Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Main Card Highlights
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best Credit Cards For Southwest Points Summary

Credit Card Best For Annual Fee See All Available Offers
Southwest Rapid Rewards® Priority Credit Card Best For Southwest Benefits $149 Learn More
Chase Sapphire Reserve® Best Overall Value For Most Travelers $550 Learn More
Chase Sapphire Preferred® Best For Flexible Rewards $95 Learn More
Chase Ink Business Preferred® Credit Card Best For Business Spend $95 Learn More

Best Credit Cards For Southwest Points Calculator

The Best Credit Cards For Southwest Points Calculator will give you an idea of which credit cards will offer earn you the most Southwest Points based on your spend.

Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees. You'll want to take into consideration the benefits a card offers as well on top of the estimated value calculated.

Results will consist of top-rated credit cards that either earn Southwest Points directly or earn rewards that can be transferred directly to the Southwest Rapid Rewards program.

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Updated 2021-07-19 By Robert Flowers III

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