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Is the Chase Southwest Plus card annual price price it?


Signing up for bank cards by way of accomplice hyperlinks earns us a fee. Phrases apply to the presents listed on this web page. Right here’s our full promoting coverage.

Signing up for bank cards by way of accomplice hyperlinks earns us a fee. Phrases apply to the presents listed on this web page. Right here’s our full promoting coverage.

The Southwest Speedy Rewards® Plus Credit score Card at present has an elevated welcome bonus of as much as 75,000 Southwest factors (price ~ $ 1,125 in Southwest airfare) after assembly the tiered minimal spending necessities. This large bonus alone makes the cardboard an important deal, however is the Southwest Plus card’s annual price price paying 12 months after 12 months?

The annual price is just $ 69 and also you’ll earn an bonus of three,000 Southwest factors (price ~ $ 45) every year in your card member anniversary. Whereas the Southwest Plus Credit score Card has a couple of good advantages, its fundamental attraction is for individuals seeking to earn factors towards the Southwest Companion Cross as cheaply as doable. Nonetheless, in case you're a frequent Southwest flyer, one of many different Chase Southwest playing cards could also be a greater match.

Is the Chase Southwest Plus card annual price Value it?

Whenever you apply for the Southwest Plus card, you’ll earn a bonus of as much as 75,000 Southwest Speedy Rewards factors damaged down as follows:

  • 40,000 factors after spending $ 1,000 on purchases inside first three months of account opening
  • 35,000 extra factors after spending $ 5,000 on purchases inside first six months of account opening

The 75,000-point bonus is a good provide is you need to earn the Southwest Companion Cross, which is arguably the perfect deal in journey. With the Southwest Companion Cross, a buddy or member of the family can journey with you for almost free (simply pay taxes and costs) on paid and award tickets.

To qualify for the Southwest Companion Cross, you'd must earn 125,000 Southwest factors in a calendar 12 months. And since the welcome bonus from the Chase Southwest Plus card counts towards the Companion Cross, you’ll solely be 50,000 shy of incomes it.

The cardboard has a $ 69 annual price, which isn’t waived the primary 12 months, but it surely has the bottom annual price of all of the Chase Southwest playing cards. So in case your fundamental aim is to qualify for the Companion Cross, that is the most affordable method that will help you get there.

Southwest factors are price about 1.5 cents every, so the 75,000-point sign-up bonus is price ~ $ 1,125. After the primary 12 months, you'll must resolve if the Southwest Plus card advantages are price $ 69 to you. Keep in mind, you'll obtain 3,000 Southwest factors in your card anniversary (price ~ $ 45 in Southwest airfare), which brings your efficient internet annual price value to ~ $ 24. The cardboard additionally comes with journey protections, like rental automotive insurance coverage (secondary within the U.S.), baggage delay insurance coverage, misplaced baggage reimbursement, journey accident insurance coverage and extra.

You possibly can learn our full overview of the Chase Southwest Plus card for full particulars on all these perks.

Different Southwest playing cards have greater charges however higher perks

Should you fly Southwest typically, journey internationally or need a Southwest bank card to maintain in your pockets for the long run, you're most likely higher off with one of many different Southwest playing cards:

These playing cards have greater annual charges than the Southwest Plus, however the extra perks and advantages make them a greater deal.

The Southwest Premier card and Southwest Premier Enterprise every have the next annual price of $ 99, however you earn 6,000 Southwest factors every year in your card member anniversary. These factors are price ~ $ 90 as a result of Southwest factors are price ~ 1.5 cents every, so your efficient internet annual price value is just $ 9 ($ 99 annual price – $ 90 worth of anniversary factors). So, the Southwest Premier playing cards don’t cost international transaction charges, whereas the Southwest Plus card does.

Use your anniversary factors to guide one in every of Southwest’s new routes to Hawaii. (Photograph courtesy of Southwest)

The Southwest Precedence card as a fair greater annual price of $ 149, however you’ll earn 7,500 Southwest factors every year in your card member anniversary (price ~ $ 113 in Southwest airfare) and also you’ll obtain a $ 75 credit score in direction of Southwest flights. Should you can profit from these perks you’ll negate the annual price after which some.

You'll additionally obtain a number of different advantages like 4 upgraded boardings per 12 months, 20% again on inflight purchases and no international transaction charges. The Southwest Precedence has the perfect advantages in case you fly Southwest typically and may use the perks, regardless of the $ 149 annual price.

You possibly can solely have one private Southwest card at a time. Nonetheless, you're capable of have one private and one enterprise card, which is how many individuals earn the 125,000 factors in a calendar 12 months required for the Southwest Companion Cross.

The Chase 5/24 rule applies to all of the Southwest playing cards, so in case you've opened 5 or extra playing cards (from any financial institution, excluding Chase enterprise playing cards and sure different enterprise playing cards) previously 24 months, you gained't be authorised ,

Is the Southwest Plus card good for on a regular basis purchases?

With the Chase Southwest Plus card, you'll earn:

  • 2 Southwest factors per greenback on Southwest purchases
  • 1 Southwest level per greenback on all the things else

Whereas the 2x factors on Southwest purchases is respectable, you may earn 2x Chase Final Rewards factors per greenback on all journey purchases (together with Southwest flights) with the Chase Sapphire Most well-liked® Card, or 3x Chase Final Rewards factors per greenback on journey with the Chase Sapphire Reserve® card.

You possibly can switch Final Rewards factors to Southwest as a result of they're a 1: 1 Chase switch accomplice. Should you use your factors for journey apart from flights on Southwest, the added flexibility of Chase Final Rewards might make one in every of these playing cards a greater choice in your on a regular basis spending. Understand that factors transferred from Chase to Southwest don’t rely in direction of the Companion Cross, however purchases made with a Southwest credit score card will rely.

Backside line

The Southwest Speedy Rewards Plus Credit score Card comes with a bonus provide of as much as 75,000 Southwest factors (price ~ $ 1,125 in journey) after assembly minimal spending necessities. The cardboard’s annual price is $ 69, however you’ll earn a bonus of three,000 Southwest factors (price ~ $ 45 in Southwest flights) every year in your card member anniversary. You’ll additionally get advantages like secondary rental automotive insurance coverage, baggage delay insurance coverage and prolonged guarantee, which might make the cardboard price preserving in case you don’t have these advantages on one other card.

If you’re attempting to earn the Southwest Companion Cross, the 75,000-point sign-up bonus and low annual price make this card an important choice. However in case you fly Southwest typically or will use the cardboard abroad, you're higher off with a special Southwest card that has no international transaction charges.

You possibly can apply for the Chase Southwest Plus card right here,

Featured photograph by Lowe Llaguno / Shutterstock.

Editorial be aware: We're the Million Mile Secrets and techniques workforce. And we're happy with our content material, opinions and evaluation, and of our reader's feedback. These haven’t been reviewed, authorised or endorsed by any of the airways, lodges, or bank card issuers which we frequently write about. And that's simply how we prefer it! 🙂

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