Southwest Priority Card Calculator

Review the benefits of the Southwest Priority Card, calculate how many Southwest Points you can earn based on spend, and compare against top credit cards.
Updated 2020-06-24 By Robert Flowers III

The Southwest Priority Card is the top card in the Southwest credit card line-up. While it can be outdone in the earning category using the Ultimate Rewards Program, it truly shines for those who fly Southwest often and want to enjoy a few extra benefits. Perks such as 7,500 anniversary points, an annual airline credit, seat upgrades, and savings on in-flight purchases can be very useful. Cardholders can also run spend through the card to earn Tier Qualifying Points to help earn Southwest Elite Status. If you frequently fly Southwest, this is a card you will want to consider.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Southwest Priority Card features three bonus categories which are purchases made with Southwest, Southwest hotel partners, and Southwest car rental partners. There is no limit to the amount of Rapid Rewards Points you can earn spending in these categories and no limit to the amount of Rapid Rewards Points you can earn with the card overall.

Do note that the Southwest Plus, Southwest Premier, and Southwest Priority credit cards have the same earning structure.

Perks & Benefits

The Southwest Priority Card comes with several exclusive benefits such as an annual travel credit, upgraded boardings, and cash back on in-flight purchases. The remaining perks are offered on the other Southwest credit cards and are either slightly improved upon or the same.

  • Annual $75 Travel Credit
    • Applies to Southwest purchases made throughout the anniversary year.
    • Credits post the same day that Southwest Airline purchase posts to your account.
    • Upgraded boardings and in-flight purchases do not apply.
  • 4 Upgraded Boardings Annually
    • Earn 4 upgraded bookings per anniversary year.
    • Applies to positions A1-A15 on Southwest Airlines.
    • Can be purchased at the departure gate or ticket counter on the day of travel only.
    • Upgrades are in the form of a statement credit for the price of the upgraded booking; could take 8 weeks to post.
  • 20% Off In-Flight Purchases
    • Includes beverages and in-flight Wi-Fi.
    • Discount is in the form of a statement credit.
  • 7,500 Anniversary Points Annually
  • Earn Tier Qualifying Points
    • Earn 1,500 Tier Qualifying Points for ever $10,000 in eligible net spend ran through the card.
    • Earn up to 15,000 Tier Qualifying Points per calendar year which is $100,000 in annual spend.
  • Travel & Purchase Coverage

Sign Up Bonus

The standard sign up bonus for the Southwest Priority Card is 40,000 Southwest Rapid Rewards Points after you spend $1,000 on purchases in the first 3 months of account opening which isn't bad at all.


Annual Fee

The annual fee for the Southwest Priority Card is $149. Between the travel credits offered with the card and the annual 7,500 Rapid Rewards Points, you should easily be able to make this card worth it. Add on the fact that you will save on in-flight purchases and receive four upgraded bookings and it should be a no-brainer for anyone frequently flying Southwest.

Authorized User Fee

There is no authorized user fee for the Southwest Priority Card. This means you can add additional users to help build Southwest Rapid Rewards Points faster.

Foreign Transaction Fee

The Southwest Priority Card is a 0% foreign transaction fee. This allows you to use the card overseas without any type of penalty. You will not earn too much in terms of points with international travel spending outside of the given bonus categories. If you're looking to earn Southwest Points on International travel, you'll want to consider the Chase Ultimate Rewards Program.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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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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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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