Quick verdict
Best for frequent southwest flyers with 4+ flights per year. Skip if you rarely fly southwest — the rewards are southwest-specific and can't be transferred to other airlines. also skip if you don't fly 3+ times per year, as the $149 af is hard to justify without regular southwest travel.
🎁 Welcome bonus
60,000 points after $2,000 spend in 3 months (worth ~$900 in Southwest travel)
⚡ Rewards
| Category | Rate | Type |
|---|---|---|
| Southwest purchases | 3x | points |
| Dining | 2x | points |
| Rapid Rewards hotel & car rental partners | 2x | points |
| Local transit & rideshare | 2x | points |
| Internet, cable & phone services | 2x | points |
| Everything else | 1x | points |
Points/miles valued at 1.50¢ each (CreditStud.io estimate based on typical travel redemption).
💰 Annual Credits ($187 total face value)
| 7,500 anniversary points (~$112 value) | $112 |
| $75 Southwest travel credit | $75 |
Credit value depends on you actually using them. Many credits are split monthly or semi-annually, so factor in your usage habits before counting them against the AF.
✨ Perks
- 7,500 anniversary bonus points each year (worth ~$112 in Southwest travel)
- $75 annual Southwest travel credit
- 4 upgraded boardings per year (when available)
- In-flight WiFi credits (ongoing)
- 20% back on inflight drinks
- No foreign transaction fees
- Companion Pass qualifying points: 10,000 per year toward the 135,000 needed
- TSA PreCheck credit ($100 every 4 years)
- Trip cancellation/interruption insurance
- Baggage delay insurance
- Lost luggage insurance
🎯 Who should consider this card
✅ Best for
- Frequent Southwest flyers with 4+ flights per year
- People working toward the Southwest Companion Pass
- Anyone who values upgraded boarding and WiFi on Southwest flights
❌ Skip if
You rarely fly Southwest — the rewards are Southwest-specific and can't be transferred to other airlines. Also skip if you don't fly 3+ times per year, as the $149 AF is hard to justify without regular Southwest travel.
📊 Example: Typical traveler/diner
Based on illustrative spending. Use our AF Worth It Calculator to plug in your real numbers.
📋 Application tips
Not sure if you'll qualify? Try our credit score simulator to see what rate range you might fall into.