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The Best Credit Cards for Southwest Airlines Flyers [2026]

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Katie Corrigan Seemann,Lori Zaino
Updated: 
Edited by: Michael Y. Park
& Ben Neighbors-Giles
The Best Credit Cards for Southwest Airlines Flyers [2026]
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Southwest Airlines is more than just a low-cost carrier. It has a reputation among travelers for excellent customer service and low-cost flights to popular destinations. You can also fly Southwest to destinations like Costa Rica, the Dominican Republic, Cancún, Belize, Aruba, and Hawaii.

If you love using miles to pay for flights, you are in luck. Southwest has an easy-to-use frequent flyer program called Rapid Rewards. One element of this program that stands out is that there are no blackout dates; if a seat is available on a flight, you can use miles to purchase a seat on that flight.

There are many ways to earn Southwest Rapid Rewards points. Not surprisingly, one of the best ways to earn points quickly is with a credit card. This article will highlight all of the credit cards that will help you earn Southwest Rapid Rewards points and can help you decide which credit card might be best for you.

Why Fly Southwest Airlines?

If you are a frequent Southwest Airlines customer, you already know why it is a favorite among travelers. If you have never flown Southwest or used its Rapid Rewards program, you might be wondering what all the hype is about and if you should give it a try.

Here are just a few reasons why Southwest is so popular among travelers:

12 Best Credit Cards for Southwest Flyers

Credit cards are the best way to quickly build larger balances of points or miles. In addition to having great welcome offers, many cards earn 2x or 3x in certain bonus categories. Putting your everyday spending on the right credit card can ensure you have plenty of points to book your next flight.

There are 3 categories of cards that earn Southwest Rapid Rewards points or earn points that can be transferred to Southwest Rapid Rewards.

  1. Southwest Airlines credit cards
  2. Chase credit cards that earn transferable Ultimate Rewards points
  3. Marriott Bonvoy credit cards that earn transferable Marriott Bonvoy points

Card Summary

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Card Name

Welcome Offer and Annual Fee

Earning Rates and Benefits for Southwest Flyers

Southwest Rapid Rewards® Priority Credit Card

  • LIMITED-TIME OFFERCompanion Pass + 40k pointsSouthwest Rapid Rewards® Priority Credit CardEarn Companion Pass through 2/28/27 and 40,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.
  • Annual fee of $229
  • 1x-4x pointsSouthwest Rapid Rewards® Priority Credit Card
    • Earn 4x points on Southwest Airlines eligible purchases
    • Earn 2x points at gas stations and restaurants, with no annual cap
    • Earn 1x points per on all other purchases
  • 7,500 anniversary points each year on your card renewal
  • Preferred seat selection within 48 hours of boarding
  • Earn Tier Qualifying Points for your spending.

Southwest Rapid Rewards® Premier Credit Card

  • LIMITED TIME OFFERCompanion Pass + 30,000 pointsSouthwest Rapid Rewards® Premier Credit CardEarn Companion Pass through 2/28/27 and 30,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.
  • Annual fee of $149
  • 1x-3x pointsSouthwest Rapid Rewards® Premier Credit Card
    • Earn 3X points on Southwest® purchases.
    • Earn 2X points on the first $8,000 combined spend at grocery stores and restaurants yearly.
    • Earn 1X points on all other purchases.
  • 6,000 anniversary points each year on your card renewal
  • 15% promotional code each year for a flight discount
  • Earn Tier Qualifying Points for your spending.

Southwest Rapid Rewards® Plus Credit Card

  • LIMITED-TIME OFFERCompanion Pass + 20k pointsSouthwest Rapid Rewards® Plus Credit CardEarn Companion Pass through 2/28/27 and 20,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
  • Annual fee of $99
  • 1x-2x pointsSouthwest Rapid Rewards® Plus Credit Card
    • Earn 2X points on Southwest® purchases.
    • Earn 2X points on the first $5,000 in combined spending at grocery stores and gas stations each anniversary year.
    • Earn 1X points on all other purchases.
  • 3,000 anniversary points each year on your card renewal
  • 10% promo code each year for a flight discount

Chase Sapphire Preferred® Card

  • NEW OFFER60,000 75,000 pointsChase Sapphire Preferred® CardEarn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Annual fee of $95
  • 1x-5x pointsChase Sapphire Preferred® Card
    • Earn 5x points on travel purchased through Chase Travel℠
    • Earn 3x points on dining
    • Earn 3x points on select streaming services and online groceries
    • Earn 2x points on all other travel purchases
    • Earn 1x points on all other purchases
  • Chase Ultimate Rewards points transfer to Southwest.

Chase Sapphire Reserve®

  • NEW OFFER125,000 pointsChase Sapphire Reserve®Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  • Annual fee of $795
  • 1x-10x pointsChase Sapphire Reserve®
    • 10x points on eligible Peloton equipment and accessory purchases
    • 8x points on all Chase Travel purchases
    • 5x points on Lyft rides
    • 4x points on flights and hotels booked directly
    • Earn 3x points on all dining purchases worldwide
    • Earn 1x points per $1 spent on all other purchases
  • Chase Ultimate Rewards points transfer to Southwest.
  • A-List status and up to $500 in statement credits for Southwest flights booked via Chase Travel after spending $75,000 on the card in a calendar year

Chase Freedom Unlimited®

  • $200Chase Freedom Unlimited®Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Annual fee of $0
  • 1.5%-5% cash-backChase Freedom Unlimited®
    • 5% cash-back on travel purchased through Chase Travel℠.
    • 3% cash-back on drugstore purchases.
    • 3% cash-back on dining at restaurants, including takeout and eligible delivery services.
    • 1.5% unlimited cash back on all other purchases.
  • When paired with a premium Chase travel points-earning card, points transfer to Southwest.

Chase Freedom Flex®

  • $200Chase Freedom Flex®Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Annual fee of $0
  • 1%-5% cash-backChase Freedom Flex®
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 5% cash back on travel purchased through Chase Travel℠.
    • 3% cash back on drugstore purchases.
    • 3% cash back on dining at restaurants, including takeout and eligible delivery services.
    • 1% unlimited cash back on all other purchases.
  • When paired with a premium Chase Ultimate Rewards points-earning card, points transfer to Southwest.

Ink Business Preferred® Credit Card

  • NEW OFFER100,000 pointsInk Business Preferred® Credit CardEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
  • Annual fee of $95
  • 1x-3x pointsInk Business Preferred® Credit Card
    • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.
    • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
  • Chase Ultimate Rewards points transfer to Southwest

Marriott Bonvoy Bold® Credit Card

  • LIMITED TIME OFFER2 Free Night AwardsMarriott Bonvoy Bold® Credit CardEarn 2 Free Night Awards after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold® Credit Card. Redeem your Free Night Awards for a one-night stay at properties with a redemption level up to 50,000 points per night, a total value of 100,000 points. Certain hotels have resort fees.
  • Annual fee of $0
  • 1x-14x pointsMarriott Bonvoy Bold® Credit Card
    • Earn up to 14x total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
    • Earn 2x points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
    • Earn 1x point for every $1 spent on all other purchases.
  • Marriott Bonvoy points transfer to Southwest.

Marriott Bonvoy Boundless® Credit Card

  • LIMITED TIME OFFEREarn 5 Free Night AwardsMarriott Bonvoy Boundless® Credit CardEarn 5 Free Night Awards after spending $3,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Boundless® Credit Card. Redeem your Free Night Awards for a one-night stay at properties with a redemption level up to 50,000 points per night, a total value of 250,000 points. Certain hotels have resort fees.
  • Annual fee of $95
  • 2x-17x pointsMarriott Bonvoy Boundless® Credit Card
    • Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
    • Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
    • Earn 2X points for every $1 you spend on all other purchases.
  • Marriott Bonvoy points transfer to Southwest.

Marriott Bonvoy Bevy® American Express® Card

  • 85,000 pointsMarriott Bonvoy Bevy® American Express® CardEarn 85,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
  • Annual fee of $250 (rates & fees)
  • 2x-6x pointsMarriott Bonvoy Bevy® American Express® Card
    • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
    • Earn 4X Marriott Bonvoy® points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
    • Earn 2X Marriott Bonvoy® points on all other eligible purchases.
    • Terms Apply.
  • Marriott Bonvoy points transfer to Southwest.

Marriott Bonvoy Brilliant® American Express® Card

  • 100,000 pointsMarriott Bonvoy Brilliant® American Express® CardEarn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
  • 2x-6x pointsMarriott Bonvoy Brilliant® American Express® Card
    • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®.
    • Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines
    • Earn 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
    • Terms Apply.
  • Marriott Bonvoy points transfer to Southwest.
Hot Tip:

Looking for even more ways to earn lots of Southwest Rapid Rewards points but don’t have any flights planned? Check out our guide to earning Southwest Rapid Rewards points without flying.

Southwest Credit Cards

Southwest offers 5 credit cards — 3 personal and 2 business — backed by Chase.

There are a few things to keep in mind when looking at Southwest Rapid Rewards credit cards:

  1. These cards are subject to Chase’s unspoken 5/24 rule. Chase isn’t likely to approve you for another Chase credit card if you’ve opened 5 or more credit cards, regardless of bank, within the last 24 months.
  2. Southwest won’t grant you a welcome offer on a personal Southwest credit card if you’re already a Southwest cardholder or if you were previously a cardholder and earned a welcome offer within the last 24 months.
  3. You can earn a welcome offer on a personal Southwest card and a Southwest business card without waiting 24 months.
LIMITED-TIME OFFER
Southwest Rapid Rewards® Priority Credit CardTerms Apply / Rates & Fees
Southwest Rapid Rewards® Priority Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card focuses on the Southwest traveler with anniversary points, preferred boarding and seat selection, and money back on inflight purchases.

Apply Now(at Chase's secure site)
Southwest Rapid Rewards® Priority Credit Card
This card focuses on the Southwest traveler with anniversary points, preferred boarding and seat selection, and money back on inflight purchases.
Earn Companion Pass through 2/28/27 and 40,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.
Companion Pass + 40k points
$2,275
$229
19.24% - 27.74% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The Southwest Priority card is the most premium personal Southwest card offering from Chase. It offers multiple bonus categories to help you earn more Southwest Rapid Rewards points and is loaded with valuable benefits for Southwest flyers.

Pros & Cons
Pros
  • 4x points on Southwest Airlines eligible purchases
  • 2x points at gas stations and restaurants
  • 1x points on all other purchases
Cons
  • $229 annual fee
  • Does not earn transferable points
Read Full Review
Card Highlights
  • Earn Companion Pass through 2/28/27 and 40,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.
  • 7,500 anniversary points each year.
  • Earn 4 points per $1 spent on Southwest Airlines® purchases, including flights, inflight, and Southwest gift cards.
  • Earn 2 points for every $1 you spend at gas stations and restaurants
  • First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
  • Select a Preferred seat at booking, at no additional charge, when available.
  • Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.
  • No foreign transaction fees.
  • Member FDIC
Financial Snapshot
  • APR: 19.24% - 27.74% Variable
  • Foreign Transaction Fees: $0
Rewards Center

Southwest Rapid Rewards Frequent Flyer Program

LIMITED TIME OFFER
Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Southwest points on every purchase, plus anniversary points, Tier Qualifying Points, and points toward the Companion Pass!

Southwest Rapid Rewards® Premier Credit Card
Earn Southwest points on every purchase, plus anniversary points, Tier Qualifying Points, and points toward the Companion Pass!
Earn Companion Pass through 2/28/27 and 30,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.
Companion Pass + 30,000 points
Up to $390
$149
19.24% - 27.74% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

Another week, another flight. Flying weekly can get tiring, but you know that every flight gets you closer to taking some great vacations with your significant other or your favorite travel buddy.

To save money on the flights, you like to use Southwest Airlines.

So why not get the Southwest Rapid Rewards® Premier Credit Card to help you earn extra Rapid Rewards points?

Pros & Cons
Pros
  • 3x points per $1 on Southwest purchases
  • 2x points on the first $8,000 in combined spend at grocery stores and restaurants each anniversary year
  • First checked bag free for the cardholder and up to 8 additional passengers on the same reservation
Cons
  • $149 annual fee
  • Does not earn transferable rewards
Read Full Review
Card Highlights
  • Earn Companion Pass through 2/28/27 and 30,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.
  • 6,000 anniversary points each year.
  • Earn 3 points per $1 spent on Southwest Airlines® purchases, including flights, inflight, and Southwest gift cards.
  • Earn 2 points for every $1 you spend at grocery stores and restaurants on the first $8,000 in combined purchases per anniversary year.
  • First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
  • Select a Standard or Preferred seat within 48 hours prior to departure, when available.
  • Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.
  • No foreign transaction fees.
  • Member FDIC
Financial Snapshot
  • APR: 19.24% - 27.74% Variable
  • Foreign Transaction Fees: None
Rewards Center

Southwest Rapid Rewards Frequent Flyer Program

LIMITED-TIME OFFER
Southwest Rapid Rewards® Plus Credit CardTerms Apply / Rates & Fees
Southwest Rapid Rewards® Plus Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card makes it easy to earn unlimited points and qualify for the Southwest Companion Pass.

Apply Now(at Chase's secure site)
Southwest Rapid Rewards® Plus Credit Card
This card makes it easy to earn unlimited points and qualify for the Southwest Companion Pass.
Earn Companion Pass through 2/28/27 and 20,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
Companion Pass + 20k points
$2,015
$99
19.24% - 27.74% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

If you spend a lot of time in the air, it’s important to get a great deal on your plane tickets.

Southwest Airlines can help you get those deals.

One way to save is by using the Southwest Rapid Rewards® Plus Credit Card. This card helps you earn points for all your spending, and earning more reward points is always a good thing for a busy traveler!

Pros & Cons
Pros
  • 2x points per $1 on Southwest purchases
  • 2x points per $1 on the first $5,000 in combined spend at gas stations and grocery stores each anniversary year
  • 3,000 anniversary points each year on your card renewal
Cons
  • $99 annual fee
  • Does not earn transferable rewards
Read Full Review
Card Highlights
  • Earn Companion Pass through 2/28/27 and 20,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
  • 3,000 anniversary points each year.
  • Earn 2 points per $1 spent on Southwest Airlines® purchases
  • Earn 2 points for every $1 you spend at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year
  • Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost.
  • Select a Standard seat within 48 hours prior to departure, when available.
  • Earn 1 point for every $1 spent on all other purchases.
  • No foreign transaction fees.
  • Member FDIC
Financial Snapshot
  • APR: 19.24% - 27.74% Variable
  • Foreign Transaction Fees: None
Rewards Center

Southwest Rapid Rewards Frequent Flyer Program

Hot Tip:

Most Southwest Rapid Rewards credit cards include a 3-month Instacart+ membership and a $10 monthly Instacart credit, as long as your Instacart+ membership is active. Use your eligible card to redeem the credit. Benefits end December 31, 2027.

Other Chase Credit Cards

Ultimate Rewards-Earning Chase Credit Cards

Chase Ultimate Rewards points transfer to Southwest at a 1:1 ratio. Since the points transfer nearly instantly, this means you can earn and use your Ultimate Rewards points quickly on award travel.

Chase offers some of the best travel rewards credit cards available. The credit cards earn flexible points that can be transferred to the Chase travel partners, including Southwest. You can also redeem Chase Ultimate Rewards points through the Chase Travel portal for 1 to up to 2 cents per point, depending on which Chase credit card you have.

Keep in mind a few things when looking to transfer Chase Ultimate Rewards points to Southwest Airlines:

  • With the Chase Sapphire Reserve®, your points are worth up to 2 cents each when redeemed through Chase Travel. Since this rate is slightly higher than the 1:1 ratio you get when transferring points to Southwest, plan to price out your trip with both Chase and Southwest.com. It might be cheaper to book through Chase.
  • These cards are also subject to the Chase 5/24 rule mentioned above.
NEW OFFER
Chase Sapphire Preferred® CardTerms Apply / Rates & Fees
Chase Sapphire Preferred® Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)
Chase Sapphire Preferred® Card
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
60,000 75,000 points
$1,500
$95
19.24% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons
Pros
  • 5x points on all travel booked via the Chase Travel portal
  • 3x points on dining purchases, online grocery purchases, and select streaming services
  • 2x points on all other travel worldwide
Cons
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
Read Full Review
Card Highlights
  • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
  • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  • Member FDIC
Financial Snapshot
  • APR: 19.24% - 27.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

NEW OFFER
Chase Sapphire Reserve®Terms Apply / Rates & Fees
Chase Sapphire Reserve®
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)
Chase Sapphire Reserve®
A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.
Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
125,000 points
$2,500
$795
19.49% - 27.99% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Excellent
Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons
Pros
  • 8x points on all Chase Travel purchases
  • 5x points on Lyft rides
  • 4x points on flights and hotels booked directly
Cons
    • $795 annual fee
Read Full Review
Card Highlights
  • Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  • Get more than $2,700 in annual value with Sapphire Reserve.
  • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
  • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
  • Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
  • Member FDIC
Financial Snapshot
  • APR: 19.49% - 27.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

NEW OFFER
Ink Business Preferred® Credit CardTerms Apply / Rates & Fees
Ink Business Preferred® Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Apply Now(at Chase's secure site)
Ink Business Preferred® Credit Card
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
100,000 points
$2,000
$95
19.49% - 25.49% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons
Pros
  • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
  • Cell phone protection
  • Purchase protection
Cons
    • No elite travel benefits like airport lounge access
Read Full Review
Card Highlights
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Earn 5x total points on Lyft rides through 9/30/27.
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Receive complimentary access to DashPass by DoorDash.
  • Member FDIC
Financial Snapshot
  • APR: 19.49% - 25.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

Chase’s Cash-Back Credit Cards

Chase offers a line of cash-back cards with high earning potential.

Chase Freedom Unlimited®Terms Apply / Rates & Fees
Chase Freedom Unlimited®
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Apply Now(at Chase's secure site)
Chase Freedom Unlimited®
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros & Cons
Pros
  • 5% back on travel purchased through Chase Travel℠
  • 3% back on dining and drugstore purchases
  • 1.5% back on all other purchases
Cons
    • 3% foreign transaction fee
Read Full Review
Card Highlights
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

Chase Freedom Flex®
Chase Freedom Flex®
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Chase Freedom Flex®
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The Chase Freedom Flex® sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros & Cons
Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%
  • Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
  • No annual fee
Cons
    • 3% foreign transaction fees in U.S. dollars
Read Full Review
Card Highlights
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

Be aware that if you have a premium card like the Chase Sapphire Preferred card, Chase Sapphire Reserve card, or Ink Business Preferred® Credit Card, you can convert your cash-back from cards like the Freedom Flex card or the Freedom Unlimited card into transferable Ultimate Rewards points, which can be more valuable.

Marriott Bonvoy Credit Cards

Marriott Bonvoy points transfer to many airlines, including Southwest. Unfortunately, Marriott’s transfer ratio to most airlines is 3:1, which means you get only 1 Southwest Rapid Rewards point for every 3 Marriott Bonvoy points you transfer.

There is a 5,000-point bonus for every 60,000 points you transfer, so if you transfer 60,000 Marriott Bonvoy points, you get 25,000 Southwest Rapid Rewards points.

It might not be the best use of your Marriott Bonvoy points, but if you would rather have Southwest Rapid Rewards points than Marriott Bonvoy points, this can be a good opportunity to boost your Southwest Rapid Rewards points. Or it could be useful if you need to top off your Southwest account for an award redemption and you’re out of Chase Ultimate Rewards points.

» Related: Marriott Bonvoy Airline Transfer Partners and How To Use Them [2026]

The following credit cards all earn Marriott Bonvoy points that can be transferred into Southwest Rapid Rewards points:

LIMITED TIME OFFER
Marriott Bonvoy Bold® Credit CardTerms Apply / Rates & Fees
Marriott Bonvoy Bold® Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.

Apply Now(at Chase's secure site)
Marriott Bonvoy Bold® Credit Card
A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.
Earn 2 Free Night Awards after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold® Credit Card. Redeem your Free Night Awards for a one-night stay at properties with a redemption level up to 50,000 points per night, a total value of 100,000 points. Certain hotels have resort fees.
2 Free Night Awards
$700
$0
19.24% - 27.74% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

Casual travelers who like to frequent properties that are part of the Marriott Bonvoy collection of brands may want to consider the Marriott Bonvoy Bold® Credit Card.

The Marriott Bold card rewards cardholders for Marriott stays and gives them a boost towards Marriott Bonvoy elite status.

Pros & Cons
Pros
  • Up to 14x points per $1 at Marriott properties
  • 2x points at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services
  • 5 Elite Night Credits each year
Cons
  • Lower point earning rate than other Marriott Bonvoy cards
  • Marriott Bonvoy Silver Elite status is the lowest status tier
Read Full Review
Card Highlights
  • Limited-time offer! Earn 2 Free Night Awards after qualifying purchases.
  • Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
  • Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
  • Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
  • 1X point for every $1 spent on all other purchases.
  • Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
  • Pay Yourself Back® - Redeem Marriott Bonvoy® points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year.
  • Member FDIC
Financial Snapshot
  • APR: 19.24% - 27.74% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

LIMITED TIME OFFER
Marriott Bonvoy Boundless® Credit CardTerms Apply / Rates & Fees
Marriott Bonvoy Boundless® Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

Apply Now(at Chase's secure site)
Marriott Bonvoy Boundless® Credit Card
Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.
Earn 5 Free Night Awards after spending $3,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Boundless® Credit Card. Redeem your Free Night Awards for a one-night stay at properties with a redemption level up to 50,000 points per night, a total value of 250,000 points. Certain hotels have resort fees.
Earn 5 Free Night Awards
Up to $1,750
$95
19.24% - 27.74% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.

Pros & Cons
Pros
  • Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
  • Earn big at grocery stores, gas stations, and dining
  • Automatic Silver Elite Status
Cons
  • $95 annual fee
  • Marriott Silver Elite Status is the lowest status tier
Read Full Review
Card Highlights
  • Our best offer is back and better than ever! Earn 5 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
  • 2026 Exclusive Offer: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That's up to $50 in statement credits semi-annually.
  • Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining.
  • Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
  • Member FDIC
Financial Snapshot
  • APR: 19.24% - 27.74% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

Marriott Bonvoy Bevy® American Express® CardTerms Apply / Rates & Fees
Marriott Bonvoy Bevy® American Express® Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Marriott Bonvoy Bevy® American Express® Card
The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.
Earn 85,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
85,000 points
Up to $595
$250
19.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The Marriott Bonvoy Bevy® American Express® Card, the latest mid-tier offering in the Marriott Bonvoy lineup of cards, offers cardholders automatic elite status and ways to earn more Marriott Bonvoy points on each of their stays and daily purchases.

Pros & Cons
Pros
  • 6x points per $1 at hotels participating in Marriott Bonvoy
  • 4x points per $1 at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases per calendar year, then 2x points)
  • 2x points per $1 on all other purchases
Cons
  • $250 annual fee (rates & fees)
  • Free Night Award certificate is not an automatic benefit
Read Full Review
Card Highlights
  • Earn 85,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
  • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®.
  • Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
  • Earn 2X points on all other eligible purchases.
  • Marriott Bonvoy® 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy®.
  • Earn up to 18.5X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Bevy® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 2.5X points from Marriott Bonvoy with the 25% Bonus Points on Stays, a benefit available with your complimentary Gold Elite status.
  • With complimentary Marriott Bonvoy® Gold Elite Status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
  • Marriott Bonvoy Bevy® Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy® American Express® Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a participating hotel. Certain hotels have resort fees.
  • 15 Elite Night Credits: Each calendar year, receive 15 Elite Night Credits towards the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy® member account. Benefit is not exclusive to Cards offered by American Express.
  • Booking the trip is easy. Avoiding delays is next to impossible. If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • Plan It® is a payment option that lets you split up large purchases into monthly installments with a fixed fee. A fixed monthly fee is shown upfront so you'll know exactly how much you’ll pay. Plus, you'll still earn rewards for the purchases you plan the way you usually do.
  • $250 Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Financial Snapshot
  • APR: 19.49%-28.49% Variable
  • Foreign Transaction Fees: None
Marriott Bonvoy Brilliant® American Express® CardTerms Apply / Rates & Fees
Marriott Bonvoy Brilliant® American Express® Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Marriott Bonvoy Brilliant® American Express® Card
A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.
Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
100,000 points
Up to $700
$650
19.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The Marriott Bonvoy Brilliant® American Express® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.

So is the card a worthwhile addition to your wallet?

Pros & Cons
Pros
  • 6x points per $1 at hotels participating in Marriott Bonvoy program
  • 3x points per $1 on flights booked directly with airlines and restaurants worldwide
  • 2x points per $1 on all other purchases
Cons
Read Full Review
Card Highlights
  • Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
  • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
  • Earn 3X points at restaurants worldwide and on flights booked directly with airlines.
  • Earn 2X points on all other eligible purchases.
  • Earn up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status.
  • $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
  • A Marriott Bonvoy® Platinum Elite member will earn 50% more points on eligible purchases at hotels participating in Marriott Bonvoy for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
  • Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®, such as Le Metropolitan, a Tribute Portfolio Hotel in Paris. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
  • $100 Marriott Bonvoy® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
  • With your Marriott Bonvoy Brilliant® American Express® Card, you can enroll in Priority Pass™ Select, with an unlimited number of visits to over 1,200 airport lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks and internet access in a quiet, comfortable location.
  • Trip Cancelled or Interrupted? If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • No Foreign Transaction Fees on international purchases.
  • $650 Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Financial Snapshot
  • APR: 19.49%-28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

American Express Credit Cards

If you’re in a pinch and really need Southwest Rapid Rewards points, you can earn Southwest Rapid Rewards points by transferring your Membership Rewards points with American Express.

This isn’t the best use of your Membership Rewards points, so you would only want to do this to top off your account for a specific redemption.

To do this, you would first transfer your American Express Membership Rewards to Marriott Bonvoy. Marriott is an Amex hotel partner at a 1:1 ratio. Then you can transfer those Marriott Bonvoy points to Southwest Rapid Rewards at the 3:1 ratio mentioned above. That means you get 1 Southwest Rapid Rewards point for every 3 Marriott Bonvoy points you transfer.

Bottom Line:

Using Amex Membership Rewards points for Southwest isn’t ideal, but it’s good to know all of your options in case you urgently need a Southwest Rewards top-off for a redemption.

The Best Card To Earn Southwest Points for Every Type of Traveler

SCROLL FOR MORE

Type of Traveler

Recommended Card for Earning Southwest Points

A Casual Traveler Who Uses Southwest a Couple of Times a Year

Chase Sapphire Preferred card: Stick with flexible points that you can transfer to Southwest or any other Chase hotel or airline partner any time you need them.

A Frequent Flyer on Southwest Airlines

Southwest Priority card: This card earns 4x on Southwest purchases, gives you 2,500 tier qualifying points toward A-List status for every $5,000 spent annually, and offers preferred seat selection within 48 hours of boarding (depending on availability).

A Traveler Who Values Perks Like Priority Boarding and Checked Bags

Southwest Plus card: This card offers Group 5 boarding and your first checked bag free (as well as for 8 other travelers on your reservation).

A Frequent Traveler Who Rarely Uses Southwest Airlines

Chase Sapphire Reserve card: This is one of the best overall travel rewards cards out there. It offers strong earning potential plus flexibility when it comes to using your points.

A Business Owner Who Only Flies Southwest a Couple of Times a Year

Ink Business Preferred card: Stick with flexible points that can be transferred to Southwest or any other Chase hotel or airline partner any time you need them. This card also offers lots of perks for business owners.

A Business Owner Who Wants A-List Status on Southwest Airlines

Southwest® Rapid Rewards® Premier Business Credit Card: This card earns tier qualifying points toward A-list status and gives you 2,000 tier-qualifying points toward A-List status for every $5,000 you spend.

Any Traveler Who Wants To Earn the Southwest Companion Pass

Any of the Southwest Rapid Rewards credit cards. Points earned from any of the Southwest credit cards count toward the 135,000 points needed to earn the Companion Pass, and cardholders get a 10,000 point boost toward Companion Pass qualification each year (these points are not redeemable points).

Final Thoughts

Southwest Airlines is a customer favorite for many reasons, like its easy-to-use Rapid Rewards program, change fees, and friendly customer service. It’s no wonder why lots of different types of travelers fly Southwest.

No matter how often you fly Southwest Airlines, there is a credit card out there to help you earn lots of Rapid Rewards.

Featured Image Credit: Alberto Riva

Frequently Asked Questions

What is the best credit card to earn Southwest Rapid Rewards points?

There isn’t 1 specific card that’s best for every traveler. Different types of travelers can benefit from different credit cards offering various bonuses and perks. However, the Chase Sapphire Preferred card is a card that is often a winner for everyone.

This card earns 2x points on travel and 3x on dining, and these points can be transferred to Southwest, as well as other hotel and airline partners. The annual fee is $95.

How can I earn Southwest points quickly?

Earning Southwest Rapid Rewards points quickly is easy when you are using the right credit card. Using a credit card that offers multiple points per $1 in categories that you routinely use is the key to earning points fast.

For example, the Ink Business Preferred card earns 3 points per $1 on travel purchases. The points from this card can then be transferred to Southwest Airlines at a 1:1 ratio.

Do Southwest points expire?

No, Southwest points don’t expire.

Which Southwest credit card is best?

Picking the best Southwest credit card depends on your own lifestyle, spending habits, and travel goals. On the personal side, the Southwest Priority card offers the most benefits but charges the highest annual fee. The Southwest Plus card and Southwest Premier card, on the other hand, come with more affordable annual fees but don’t offer as many benefits.

Consider how often you fly with Southwest or how often you’ll fly Southwest in the future, and then select the card that makes the most sense for you.

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About Katie Corrigan Seemann

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then, and her work has been featured in publications like Travel + Leisure, LongWeekends Magazine, AAA The Extra Mile, Forbes Advisor, and Fortune Recommends.

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Platinum Card® from American Express

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Platinum Card® from American Express

Welcome Offer: As High As 175,000 Points. Find Out Your Offer.

  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
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  • With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
  • $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
  • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
  • $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
  • $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
  • $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 annual fee.
  • Terms Apply.

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