April 23, 2024

Southwest has partnered with Chase to supply three private bank cards. The card_name sits in the course of these three playing cards. Relying in your price range and the way usually you fly Southwest, this or one of many different two playing cards could also be your only option. Nevertheless, it is advisable to see how this card compares to the options earlier than making a last resolution.

Southwest Fast Rewards® Premier Credit score Card

Credit score rating wanted

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Common APR

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Welcome supply

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This card is for anybody who flies on Southwest at the least a couple of instances per yr, because it features a few perks that may make your journey cheaper and extra handy.With its welcome supply, anniversary bonus, and 3x factors on Southwest purchases, the card_name presents numerous worth with a aggressive annual charge.

TIME’s Take

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With its welcome supply, anniversary bonus, and 3x factors on Southwest purchases, the card_name presents numerous worth with a aggressive annual charge. Nevertheless, its factors have restricted flexibility, and you’ll’t escape the annual charge, even for the primary yr. Whereas some clients will admire its perks, frequent Southwest passengers could profit by upgrading to the card_name.

Execs & Cons

Execs

  • Contains anniversary bonus.
  • Some non-travel purchases earn bonus factors, like streaming.
  • Eligible for a welcome supply.

Cons

  • Can’t mix with factors from different Chase playing cards.
  • Annual charge not waived the primary yr.
  • Few further perks.

Who’s the cardboard for?

This card is for anybody who flies on Southwest at the least a couple of instances per yr, because it features a few perks that may make your journey cheaper and extra handy. Chief amongst these perks is a 6,000-point anniversary bonus. Fast Rewards factors are value about 1.35 cents every, so this bonus is value about $81 every year.

This card can be for you in case you usually purchase drinks or Wi-Fi on-board. It provides you a 25% assertion credit score on in-flight purchases on these things whenever you pay along with your card. You additionally obtain 25% again on in-flight purchases made by approved customers in your card.

Lastly, this card is for you if ready for the 24-hour check-in window makes you anxious. It provides you two EarlyBird check-ins per yr, which helps you to test in earlier than the 24-hour interval, relying on availability.

Take into account that this card requires membership to the Southwest Fast Rewards program. In the event you aren’t a member already, you’ll be robotically enrolled in case you apply for this card and are permitted.

Options

Whereas not heavy on options, there are some things this card can supply to common Southwest clients.

Straightforward-to-earn welcome supply

The card_name will at present presents 50,000 factors after spending $1,000 on purchases within the first three months from account openingbonus_miles_full. This can be a comparatively low spending threshold, making this supply simple to earn (Be aware: You possibly can solely earn the welcome supply in case you don’t at present have this card and haven’t obtained a bonus from Chase within the final 24 months.)

Anniversary bonus factors

This card contains 6,000 bonus factors every anniversary yr. There is no such thing as a minimal spend or different necessities for this bonus-–merely maintain the cardboard open, and also you’ll obtain your bonus every anniversary.

Earn A-Listing Standing and Companion Move® Quicker

This card makes it simpler to earn coveted Southwest perks, together with A-Listing standing and Companion Move. You may get 1,500 tier-qualifying factors (TQPs) for each $10,000 you spend on purchases yearly. TQPs depend towards incomes A-Listing or A-Listing Most popular standing, and there’s no restrict to what number of TQPs you’ll be able to earn in a yr.

As well as, this card contains one increase of 10,000 Companion Move qualifying factors every calendar yr. To earn the Companion Move, it’s essential to have 100 qualifying one-way flights or 135,000 Companion Move qualifying factors. All factors you earn with this card depend towards Companion Move standing, together with the 50,000-point welcome supply.

APR may be excessive

The acquisition APR for this card is reg_apr,reg_apr_type. Whereas this isn’t extraordinarily excessive, this card may very well be costly in case you recurrently carry a stability. That is why it’s essential to pay your invoice in full each month, as is often the case with bank cards.

The tremendous print

  • Common buy APR: reg_apr,reg_apr_type.
  • Steadiness switch APR: balance_transfer_rate.
  • Money advance APR: cash_advance_apr.
  • Penalty APR: 29.99%.
  • Annual charge: annual_fees.
  • Late charge: late_payment_fee.
  • Returned cost charge: As much as $40.

Further hidden perks

The card_name features a few hidden perks that may make your journey higher:

  • Misplaced baggage reimbursement: In the event you or a right away member of the family have baggage misplaced or broken, you could possibly be eligible for a reimbursement of as much as $3,000 per passenger.
  • Baggage delay insurance coverage: This reimburses you for objects like toiletries and clothes in case your baggage is delayed over six hours, as much as $100 a day, for 3 days.
  • Buy safety: Covers purchases for 120 days in opposition to harm or theft, as much as $500 per declare and as much as $50,000 per account.
  • Prolonged guarantee: Extends the producer guarantee by a yr on purchases with warranties of three years or much less.
  • No international transaction charges: You gained’t pay international transaction charges whenever you use your card exterior the U.S.

Whereas there aren’t an enormous variety of perks right here, it’s good to see a couple of further protections.

What may very well be improved

This can be a pretty easy, easy card, so there isn’t a lot it leaves out for Southwest Clients. Nevertheless, there are some things it will be good to see from this card.

For one, it doesn’t waive the annual charge within the first yr. A number of playing cards on this tier do offer you a break on the annual charge. Whereas this isn’t a deal-breaker, it will be a welcome change.

One other factor this card is lacking is the flexibility to mix factors with different Chase packages. This implies you’ll be able to’t mix factors with packages like Chase Final Rewards, which might offer you extra versatile redemptions. Since you’ll be able to’t do that with the card_name, you’re restricted to the redemptions out there by means of Fast Rewards. Different airline playing cards from Chase, just like the card_name, allow you to mix.

Lastly, whereas this card does offer you a 6,000-point anniversary bonus, it doesn’t embrace an annual journey credit score, such as you get with the card_name. The annual charge is simply annual_fees for the card_name, however including a journey credit score of round $50 would enhance this card’s attraction.

Card options

The card_name is the center sibling of the three Southwest bank cards from Chase. As such, its annual charge of annual_fees is greater than the annual_fees you’ll pay for the card_name however lower than the annual_fee_disclaimer you pay for card_name.

Equally, the card_name has a 6,000-point anniversary bonus in comparison with 3,000 for the card_name. The card_name has a 7,500-point anniversary bonus and a $75 annual journey credit score.

We additionally evaluate this card to the card_name as a result of its annual charge is comparable. Their welcome bonuses are related, too. Naturally, the Southwest playing cards have airline-specific advantages you don’t get with the card_name. Alternatively, the card_name has higher bonus charges on on a regular basis spending.

TIME Stamp: Enticing perks for infrequent flyers on SouthWest Airways

The card_name presents first rate worth to occasional Southwest clients. It features a few useful perks, comparable to an anniversary level bonus, two EarlyBird check-ins, and a lift towards incomes A-Listing standing and the Companion Move. Nevertheless, the card_name presents extra worth for frequent Southwest passengers, and the annual charge for the card_name isn’t waived within the first yr. The cardboard definitely isn’t unhealthy, however others are higher in some conditions.

Southwest Fast Rewards® Premier Credit score Card

Credit score rating wanted

credit_score_needed

Common APR

reg_apr,reg_apr_type

Welcome supply

bonus_miles_full

This card is for anybody who flies on Southwest at the least a couple of instances per yr, because it features a few perks that may make your journey cheaper and extra handy.With its welcome supply, anniversary bonus, and 3x factors on Southwest purchases, the card_name presents numerous worth with a aggressive annual charge.

Ceaselessly requested questions (FAQs)

What is the credit score rating for card_name?

Chase doesn’t point out a particular credit score rating requirement for the card_name. Nevertheless, as a mid-tier co-branded airline card, a credit score rating within the 690 to 850 vary ought to enhance your possibilities of getting permitted.

Is a Chase Southwest Card arduous to get?

The Chase Southwest Playing cards is probably not essentially the most tough playing cards to get, however they doubtless aren’t the simplest. Typically talking, these playing cards are on the excessive finish of the credit score rating requirement spectrum, however different playing cards are extra unique.

What are the cons of Southwest Fast Rewards?

Southwest Fast Rewards is a favourite amongst many U.S. vacationers. Nevertheless, it has its share of downsides. These embrace restricted worldwide routes, no enterprise or top notch, and an open seating coverage. The latter may very well be a professional or a con relying on who you ask, however failing to test in early within the 24-hour window might depart you with an undesirable seat.

How a lot Is 50000 factors on Southwest bank card?

Fast Rewards factors are value about 1.35 cents every. Subsequently, 50,000 factors on this card needs to be value about $675.

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