Credit Cards » Credit Card Reviews » Southwest Rapid Rewards Plus Credit Card: 2024 Review
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Southwest Rapid Rewards Plus Credit Card: 2024 Review

The Southwest Rapid Rewards Plus Credit Card is a strong credit card that is certainly designed for Southwest loyalists. The travels perks, flexibility in point redemption, and generous sign-up bonus are all great reasons to consider this card.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Southwest Rapid Rewards® Plus

Southwest Rapid Rewards Plus

Rewards Plan

1x – 2x 2X points on Southwest purchases, Southwesthotel and car rental partners, local transit and commuting (including ride-shares),internet, cable, phone and select streaming services, and 1X points on all other purchases[/sc]

Sign up Bonus

50,000 points 50,000 points after you spend $1,000 on purchases in the first 3 months from account opening

Our Rating

3.9
3.9/5

0% Intro

N/A

Annual Fee

$69

APR

21.49%–28.49% variable

Southwest Rapid Rewards® Plus

Southwest Rapid Rewards Plus

Rewards Plan

1x – 2x 2X points on Southwest purchases, Southwesthotel and car rental partners, local transit and commuting (including ride-shares),internet, cable, phone and select streaming services, and 1X points on all other purchases[/sc]

Sign up Bonus

50,000 points 50,000 points after you spend $1,000 on purchases in the first 3 months from account opening

Our Rating

3.9
3.9/5

PROS

CONS

APR

21.49%–28.49% variable

Annual Fee

$69

0% Intro

N/A

Credit Requirements

Good - Excellent

The Southwest Rapid Rewards Plus Credit Card is a suitable option for Southwest Airlines enthusiasts seeking an entry-level credit card with a lower annual fee. While it offers fewer perks than higher-tier Southwest cards, it presents a solid welcome bonus and benefits that can offset the $69 annual fee.

In terms of rewards, cardholders earn 2X points on Southwest purchases, Southwesthotel and car rental partners, local transit and commuting (including ride-shares),internet, cable, phone and select streaming services, and 1X points on all other purchases. As a sign up bonus, the card offers 50,000 points after you spend $1,000 on purchases in the first 3 months from account opening.

However, the card has limitations. It doesn't excel in earning points for common spending categories like groceries or dining, and its 3% foreign transaction fee may deter international travelers. Additionally, its rewards rate may be less flexible compared to other travel cards, and its points' redemption value is lower on average.

In summary, the Southwest Rapid Rewards Plus Credit Card offers a cost-effective entry point for Southwest loyalists, but individuals with diverse spending habits or frequent international travel may find better alternatives among premium travel cards.

Are there blackout dates when redeeming points for Southwest flights?

No, Southwest does not have blackout dates for point redemption on flights.

How long does the Southwest Companion Pass last, and how can I earn it with this card?

The Companion Pass lasts for the year you earn it and the entire following year. Points from the welcome offer contribute toward earning the Companion Pass.

Can I earn points on everyday spending categories like groceries or gas?

The card does not earn bonus points in common categories like groceries, gas, or dining.

Can I redeem points for anything other than Southwest flights?

Yes, you can redeem points for gift cards, merchandise, experiences, hotels, and more through the More Rewards program.

What is the value of Rapid Rewards points compared to other airline rewards programs?

Rapid Rewards points are valued at 1.3 cents per point, making them among the most valuable compared to other airline programs.

How does the card's rewards rate compare to other travel cards in terms of flexibility and power?

The card's rewards rate may be less flexible than some general travel cards, and its points offer lower redemption value on average.

Pros & Cons

Let's explore the advantages and disadvantages of the Southwest Rapid Rewards Plus card to determine if it aligns with your wallet's preferences and needs.

Pros
Cons
Potential For Companion Pass
Average Rewards Rate
No Blackout Dates
Southwest Flights Only
Cardholder Anniversary Gift
Limited International Travel
Travel Insurance Perks
Annual And Foreign Transaction Fees
No Change Fees
Not Ideal for Upgraded Boardings

Points from the welcome offer count toward earning the coveted Southwest Companion Pass in addition to a boost of 10,000 Companion Pass qualifying points every year.

Use Companion pass on Southwest Flight
Boost and use Companion pass on Southwest flight

Because the Southwest Rapid Rewards Plus Credit Card is a travel rewards card, not having to worry about blackout dates causing a dilemma when scheduling trips is a huge benefit that many travel cards fail to offer to their customers. 

On top of this, the Southwest Rapid Rewards Plus Credit Card offers no seat restrictions when you fly, meaning you don’t have to worry about only get the last open seats on an available flight. 

Every year a cardholder has an open account with the Southwest Rapid Rewards Plus Credit Card, they will receive 3,000 points as a loyalty perk for having the account. 

While this isn’t a huge perk, this is still a nice little effort from Southwest to give people more of a reason to keep this card open.

The card offers valuable travel perks, including lost luggage reimbursement, baggage delay insurance, and no fees for flight changes, enhancing the overall travel experience.

Cardholders enjoy the benefit of no fees for flight changes, adding flexibility to their travel arrangements.

If you're not a loyal customer of Southwest, the rewards rate is lower compared to what you can find on other travel cards such as the Chase Sapphire Preferred or the Capital One Venture

The Southwest Rapid Rewards Plus Credit Card has some great flight options for Southwest airlines. However, because Southwest doesn’t have any partner airlines, cardholders who are looking to use these points to flight are limited to only flying Southwest. 

While this card is designed for Southwest purchases and more specifically for Southwest loyalists, not having any flexibility is something that could deter potential cardholders from applying.

Although there are a many options for domestic travel within the United States, traveling internationally is a different story. 

There are very limited options when it comes to traveling abroad, so if international travel is something that a potential cardholder was hoping to benefit from, then they might want to look at other options.

Southwest Airlines Check In desk
Southwest Airlines Check In desk preparing passengers for departure, Indianapolis, US. (Photo by jetcityimage2/depositphotos)

There is an annual fee of $69 for having the Southwest Rapid Rewards Plus Credit Card.

While this is lower than other cards that are both travel rewards based and not travel rewards based, there is also a 3% foreign transaction fee. The Southwest Rapid Rewards Plus Credit Card also have no intro APR for new cardholders, and the variable APR is 21.49%–28.49% variable. 

It may not be the best choice for Southwest fans seeking upgraded boardings or a fast track to elite status, as these features are not prominent with this card.

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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 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
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 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
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Simulation: How Much Miles You Can Earn?

If you're a frequent traveler, there is no doubt you can leverage the Rapid Rewards Plus card to get a bunch of miles rewards, in addition to another benefits it offers. But how much exactly can you earn?

In order to understand that, we need to calculate the miles based on the card terms and spend per each category. However, everyone has its own habits, so it's important to adjust the according to your specific category breakdown.

Southwest Rapid Rewards Plus

Spend Per Category
Southwest Rapid Rewards® Priority
$12,000 – U.S Supermarkets
12,000 points
$4,000 – Restaurants
4,000 points
$3,000 – Airline
6,000 points
$3,000 – Hotels
6,000 points
$4,000 – Gas
4,000 points
Total Points
33,000 miles
Estimated Redemption Value
1 point ~ 1.4 cent
Estimated Annual Value
$460

How to Redeem Your Point Rewards?

Points that are earned using the Southwest Rapid Rewards Plus Credit Card can be redeemed for a number of things outside of just Southwest Airlines flights. You can use your points to book Southwest Airlines flights to over 90 destinations, car rentals and hotel stays, Rapid Rewards Access Events, gift cards, or merchandise.

Book a flight with Southwest Plus card miles
Book a flight with Southwest Plus card miles (screenshot from Southwest app)

Chase offers a rewards dashboard where you can track your points and double-check the benefits that come with your card. The Southwest Rapid Rewards Priority card has a tiered structure that awards three points for every dollar spent on Southwest products.

While the best rewards do come in the travel area, meaning the flights and hotel stays, it is nice to have the flexibility and options to look into other means of rewards. These points also don’t expire over time, just so long that the account stays open.

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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Best Ways to Maximize Miles Rewards

One of the best ways to maximize your rewards with the Southwest Rapid Rewards program is to achieve A List status.

A List Status requires at least 35,000 tier qualifying points or 25 qualifying one-way flights in a calendar year, but you'll get 1,500 points for every $10,000 you spend on your card. When you achieve A List status, you will not only receive airport perks, but you will also earn 25% more points for each flight.

You can also increase your point balance by participating in the refer a friend scheme. You can earn up to 100,000 bonus points per year, with 20,000 points awarded for each friend who obtains a Southwest Rapid Rewards card through your referral link.

Southwest A-List Status
A-List Status balance (screenshot from Southwest app)

How To Apply For Southwest Rapid Rewards Plus Card?

Applying for the Southwest card is quite simple process, here are the main steps:

Step 1: 

Visit the Southwest Rapid Rewards Plus Credit Card and get started.

Step 2:

 A page appears to get you started, which includes your names, mailing address, date of birth, etc.

Step 3: 

Next, specify your statement and communication delivery preference. Then, take your time to read through the E-Sign Disclosure as well as the Pricing & terms.

Lastly, agree to the certifications and click “Submit.”

How It Compared To Other Southwest Cards?

In comparison to the Southwest Rapid Rewards Premier Credit Card and the Southwest Rapid Rewards Priority Credit Card, the Plus card offers a more economical alternative. The annual fee is notably lower than the Premier and Priority cards, making it an appealing option for cost-conscious travelers. However, it's essential to note that the higher-tier cards provide increased anniversary bonus points, potentially offsetting their higher fees for frequent Southwest flyers.

The Plus card's rewards structure is similar to its higher-tier counterparts, with 2X points on Southwest purchases and various other categories. However, the Premier and Priority cards may offer additional elite status point opportunities, more boarding upgrades, and a yearly travel credit.

Overall, for those prioritizing a lower annual fee and still desiring valuable travel perks, the Southwest Rapid Rewards Plus Credit Card stands out. However, frequent Southwest travelers looking for enhanced benefits and willing to pay a higher fee might find the Premier or Priority cards more appealing.

Is the Southwest Rapid Rewards Plus Card Right for You?

The Southwest Rapid Rewards Plus Credit Card is a strong credit card that is certainly designed for Southwest loyalists. The card has a great sign-up bonus, as well as many options for domestic traveling.

The travels perks, flexibility in point redemption, and its points rewards plan are all great reasons to consider this card.  Combine this with a lower annual fee than competitor cards, and it makes sense as to why the Southwest Rapid Rewards Plus Card is a great option to consider adding to your wallet.

Compare The Alternatives

If you're looking for an airline credit card – the Southwest is definitely a good option. However,  there are some good alternatives:

united explorer

Delta SkyMiles Gold American Express Card Review

United℠ Explorer Card
Delta SkyMiles® Gold American Express Card
Citi®/AAdvantage® Platinum Select® World Elite Mastercard®
Annual Fee
$95 ($0 first year)
$150, $0 intro first year. (See Rates and Fees.)
$99 (waived for the first 12 months)
Rewards
1X – 2X 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases
1X – 2X 2X miles on delta purchases, at restaurants worldwide (including take-out and delivery in the U.S) and at U.S. supermarkets, and 1x miles on all other eligible purchases
1X – 2X Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
Welcome bonus
50,000 miles 50,000 miles after you spend $3,000 on purchases in the first 3 months your account is open.
65,000 Miles 65,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months
50,000 Miles 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
Foreign Transaction Fee
$0
$0. See Rates and Fees.
$0
Purchase APR
21.99% – 28.99% variable
20.99%-29.99% Variable
21.24% – 29.99% (Variable)

FAQ

While the Southwest Rapid Rewards Priority card does have baggage delay insurance, this is only for if your baggage is lost or delayed by your carrier, it will not cover any expenses you incur as a result of your flight being canceled. You’ll need to cover any unreimbursed costs yourself.

Southwest does not allow you to transfer points to other airlines, but there is an Other Travel section within the Rapid Rewards catalog. Here you’ll find international flights on a variety of carriers that are priced in Rapid Reward points.

Chase typically has a full application form for its cards and this includes the Southwest Rapid Rewards Priority card. This means that you need to be prepared for a hard credit pull and whether it will impact your credit when you apply.

The Southwest Rapid Rewards allows you to earn unlimited rewards, so you don't have to worry about timing your purchases so that you don't exceed a rewards cap at the end of the year. In fact, the card encourages you to earn more rewards by providing you with additional benefits.

The Southwest Rapid Rewards Plus include rental car insurance. In most territories, if you decline the rental counter collision waiver coverage and pay for the rental with your card, you will have theft and damage protection. Please review the terms and conditions before to make sure you're covered.

As with most credit cards, Chase will consider your credit score when determining your approval status. The The Southwest Rapid Rewards necessitate a good to excellent credit score, which is only possible if you have a relatively low debt-to-income ratio. However, if you are approved, Chase will use your income to determine your credit limit.

Chase is quite discreet about initial credit limits for the Southwest Rapid Rewards Priority, but some customers have reported a credit limit of $2,000 or more initially.

Although there are other airline cards that offer more perks, these typically have a higher annual fee. If you want to keep your annual fees low and still enjoy some decent card benefits, the Southwest Rapid Rewards Priority fits the bill.

These are decent cards for travel and other spending, while offering some nice rewards, which can appeal to the less frequent traveler.

Compare Southwest Rapid Rewards Plus

If you're a frequent flyer, the Premier card has the edge so that you can cover the annual fee difference. If not, the Plus card is enough.

Southwest Rapid Rewards Plus vs Premier: Side By Side Comparison

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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Review Airline Credit Cards

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Best Cards Per Category
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.