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New Cardmember Offer

Earn 80,000 points

after you spend $5,000 on purchases in the first 3 months from account opening.

Earn 60,000 points

after you spend $3,000 on purchases in the first 3 months from account opening.

Annual Fee

$299 applied to first billing statement.

$149 applied to first billing statement.

Foreign Transaction Fee

None

None

APR

Purchases

19.24%–27.74% variable APR.

Balance Transfers

19.24%–27.74% variable APR.

Purchases

19.24%–27.74% variable APR.

Balance Transfers

19.24%–27.74% variable APR.

Earning Rewards

9,000 points every year on your Cardmember anniversary.

Earn 4 points for every $1 you spend on Southwest Airlines® purchases.

Earn 2 points for every $1 you spend at gas stations and restaurants.

Earn 2 points for every $1 you spend on hotel accommodations booked directly with the hotel.

Earn 2 points for every $1 you spend on local transit and commuting, Including rideshare.

Earn 1 point for every $1 you spend on all other purchases.

6,000 points every year on your Cardmember anniversary.

Earn 3 points for every $1 you spend on Southwest Airlines® purchases.

Earn 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per year.

Earn 1 point for every $1 you spend on all other purchases.

Using Rewards

Redeem your points for travel benefits and getaways.

No blackout dates.

Redeem your points for business travel and getaways.

No blackout dates.

Additional Benefits

Complimentary Preferred seat at booking - Select a Preferred seat at booking, at no additional charge, when available. For flights operating in 2026 and beyond.

First checked bag free - Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost. For a group of 4 this would be a savings of up to $280 roundtrip ($35 per bag per trip).

Extra Legroom seat upgrade - Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available. For flights operating in 2026 and beyond.

Boarding benefit - Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins. For flights operating in 2026 and beyond.

Earn 2,500 tier qualifying points (TQPs) toward A-List status for every $5,000 spent in purchases annually accelerating your way to A-List status.

10,000 Companion Pass qualifying points boost each year.

$120 Statement Credit - Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS.

25% back on inflight purchases.

First checked bag free - Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost. For a group of 4 this would be a savings of up to $280 roundtrip ($35 per bag per trip).

Complimentary Preferred seat - Select a Standard or Preferred seat within 48 hours prior to departure, when available. For flights operating in 2026 and beyond.

Boarding benefit - Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins. For flights operating in 2026 and beyond.

15% Flight Discount - Receive a 15% promo code each year on your cardmember anniversary.

Spend your way to A-List - Earn 2,000 tier qualifying points (TQPs) toward A-List status for every $5,000 spent in purchases annually.

10,000 Companion Pass qualifying points boost each year.

25% back on inflight purchases.

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