- 1.59% Estimated Purchase Yield
- $75 in annual travel credit
- 7,500 bonus points at each card anniversary
- 4 priority boarding upgrade passes each year
- $149 annual fee
Last Updated on January 24, 2021
Issuer & Payment Network
Estimated Purchase Yield
Estimated Purchase Yield
Calculated based on reward point value on 24-January-2021
Bonus Offer Value
Earn 50,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening. Plus, earn an additional 30,000 bonus points after you spend $10,000 on purchases in the first 9 months from account opening.
$75 annual travel credit plus 7,500 in annual bonus points ("anniversary points")
Estimated Annual Card Value
Yr 1 @ $5k in Purchases
Yr 1 @ $15k in Purchases
Yr 1 @ $30k in Purchases
Yr 2+ @ $5k in Purchases
Yr 2+ @ $15k in Purchases
Yr 2+ @ $30k in Purchases
Bonus value (including ongoing bonuses for years 2+) plus value of rewards for stated annual purchasing level. Less any annual fee. Plus value $75 annual travel credit, annual bonus points offering and 4 priority boarding upgrades (valued at $50 each). Value does not contemplate 5X points that this card offers on first $2,000 in Southwest travel each month.
Airport Lounge Access
Do Points Expire?
Can Points Be Transferred?
Fees & APRs
Foreign Transaction Fees
Late Payment Fee
Up to $39
APR - Intro (Purchases)
No Intro Offers Available
APR - Intro (Balance Transfers)
Not Intro Offers Available
APR - Cash Advance
24.99% (plus $10 or 5% of the transaction amount, whichever is greater)
APR - Regular (Purchases)
15.99% - 22.99%
APR - Regular (Balance Transfers)
15.99% - 22.99% (plus $5 or 5% of the transaction amount, whichever is greater)
Protections & Services
Zero Liability Protection
Yes - Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Extended Warranty Protection
Yes - Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Trip Cancellation / Interruption
Baggage Delay: Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days. Lost Luggage: If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Auto Rental Collision Damage Waiver
Recommended Credit Level
Very Good+ (FICO Score: 740-850)
Link to Issuer Website
Date Information Confirmed
January 24, 2021