
The Plus is the entry point to Southwest's cobranded lineup, and its real draw is the 10,000 Companion Pass qualifying points deposited each year, which shortens the path to a Companion Pass for a $99 annual fee. You also get 3,000 anniversary points, a free first checked bag for you and up to eight passengers on the same reservation, a 10% flight discount code each year, 25% back on inflight drinks and Wi-Fi, and no foreign transaction fees. Earn rates are modest: 2 points per dollar on Southwest purchases and on gas and groceries up to $5,000 a year, then 1x on everything else, so this isn't a card to put heavy spend on. Timing matters right now, because the signup bonus climbed to 80,000 points in late May and fell back to 50,000 after $1,000 of spend in July, which is the offer on the table today. It ranks ninth on our best airline cards list, a fair reflection of a card that earns its keep through Southwest perks rather than points.
Earn rates & credits
| Category | Rate |
|---|---|
Airlines Southwest Airlines purchases | 2x |
Gas Gas stations and grocery stores (first $5,000/year) on first $5,000/yr, then 1x | 2x |
Groceries Gas stations and grocery stores (first $5,000/year) on first $5,000/yr, then 1x | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Anniversary Points Bonus 3,000 bonus points credited to your Rapid Rewards account each year on your account anniversary | 3,000 points /yr |
Companion Pass Boost 10,000 Companion Pass qualifying points deposited each year by January 31 | 10,000 points /yr |
Instacart Credit Up to $120 in annual Instacart credits including $0 delivery fees with 3 months of complimentary Instacart+ and a $10 monthly Instacart credit. | $120 /yr |
| Total annual credits | $120 |
Card details
Regular APR | 19.24%–27.74% variable |
Foreign transaction fee | None |