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Best Southwest Airlines credit cards of 2024

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.  

Southwest Airlines is a top choice among budget-conscious travelers, and we’re here to help you pick the best Southwest credit card for your lifestyle and flying habits. 

The airline's unique blend of affordable pricing, straightforward rewards and a generous baggage policy makes it a hit among individuals, families, and business travelers. With more than 4,000 daily flights to 121 airports across 11 countries, there's a reasonable chance Southwest Airlines flies to your favorite destinations. 

There are three co-branded personal Southwest credit cards and two Southwest business credit cards, all issued by Chase. The bank also offers general travel rewards cards that earn flexible rewards you can transfer at a 1:1 rate to Southwest Rapid Rewards®.

Best Southwest Airlines credit cards

• Best overall: Southwest Rapid Rewards® Priority Credit Card | Learn more
• Best for occasional Southwest flyers: Southwest Rapid Rewards® Premier Credit Card | Learn more
• Best for a low annual fee: Southwest Rapid Rewards® Plus Credit Card | Learn more
• Best for flexible travel rewards: Chase Sapphire Preferred ® Card | Learn more

Best overall: Southwest Rapid Rewards® Priority Credit Card

The Southwest Rapid Rewards® Priority Credit Card charges the highest annual fee among personal Southwest cards, but it also offers the best (and most valuable) benefits with the airline to more than offset the yearly cost for Southwest loyalists. 

Why we like this card: If you frequently fly on Southwest Airlines, there's no better card than the Southwest Rapid Rewards Priority Credit Card to earn rewards and access benefits with the airline. 

At first glance, the Southwest Priority earns the same bonus rates as the mid-tier Southwest Rapid Rewards® Premier Credit Card. But it's the Priority card's benefits that set it apart from other Southwest cards. 

Cardholders receive a $75 Southwest® annual travel credit each year good towards eligible Southwest Airlines purchases using their card. 

Because of Southwest's open seating policy, many travelers choose to purchase upgraded boarding, allowing them to board in positions A1-A15. The Premier card reimburses cardholders for the purchase of up to four upgraded boardings per anniversary year. Also, you'll receive 7,500 anniversary points each year. 

Other airline-specific perks include 25% back on in-flight purchases and a boost of 10,000 Companion Pass qualifying points annually (earning the Southwest Companion Pass requires 100 qualifying one-way flights or 135,000 qualifying points in a calendar year).  

That said, while there’s a lot to love about the Southwest Priority card, it comes with just a couple travel protections—lost luggage reimbursement and baggage delay insurance—a less robust list than one might expect from a card with a $149 annual fee. 

Check out our full review of the Southwest Rapid Rewards Priority Credit Card .

Best for occasional Southwest flyers: Southwest Rapid Rewards® Premier Credit Card

For casual travelers who fly Southwest up to a few times annually, the Southwest Rapid Rewards® Premier Credit Card offers moderate Southwest perks and high earning power with a reasonable $99 annual fee.

Why we like this card: Southwest Rapid Rewards® Premier Credit Card earns the same bonus rates as Southwest Priority but with a lower annual fee, which is easily covered through its benefits. It's a great option if Southwest is just one of the airlines you enjoy flying or you only book a few flights per year.

Cardholders receive 2 EarlyBird Check-In® each year, which automatically check you in for flights before the airline's 24-hour check-in period for an earlier boarding position. Also, every card anniversary, Southwest drops 6,000 points in your Rapid Rewards account. 

And, for every $5,000 you spend using your Priority card, you'll earn 1,500 TQPs toward A-List status (A-List status requires 20 qualifying one-way flights or 35,000 tier qualifying points in a calendar year.) This status includes perks such as priority boarding, a dedicated lane at the Southwest check-in counter and a special A-List customer service phone line.

You also enjoy 25% back on in-flight purchases and a boost of 10,000 Companion Qualifying points per year. 

Check out our full review of the Southwest Rapid Rewards Premier Credit Card .

Best for a low annual fee: Southwest Rapid Rewards® Plus Credit Card

The Southwest Rapid Rewards® Plus Credit Card offers entry-level airline perks and rewards with a $69 annual fee, the lowest among all Southwest credit cards.

Why we like this card: If you enjoy flying Southwest but don't want to pay an expensive annual fee, like those charged for Chase's higher tier Southwest cards, consider the Southwest Rapid Rewards Plus Credit Card. 

The Southwest Plus offers a lower rewards rate on Southwest purchases and fewer benefits than the other personal Southwest credit cards, but there's still enough value to offset the smaller annual fee and warrant a look. As a cardholder, you receive 3,000 anniversary points each year. It still comes with 2 EarlyBird Check-In® each year, 25% back on in-flight purchases and a 10,000 Companion Pass qualifying points boost annually. 

However, if you travel internationally, beware this card’s 3% (of the amount of each transaction in U.S. dollars) foreign transaction fee—a particularly unfortunate fee for an airline card to levy.

Check out our full review of the Southwest Rapid Rewards Plus Credit Card . 

Best for flexible travel rewards: Chase Sapphire Preferred ® Card

The Chase Sapphire Preferred ® Card earns flexible rewards good toward travel bookings through the issuer’s portal, cash back, and other redemptions—including transfers to Southwest Airlines and other airline and hotel partners.

Why we like this card: The Chase Sapphire Preferred Card is a frequent flyer on "Best Of" lists and for good reason. While it's not the most luxurious travel rewards card, it offers an incredibly valuable blend of flexible rewards, card benefits and travel protections, all for a  $95 annual fee. 

With the Chase Sapphire Preferred, you gain entry into Chase Ultimate Rewards®, the issuer's versatile rewards program. The card earns above-average rates in categories like travel, dining and streaming services. Points are worth 1 cent each when redeemed for cash back, but use your Sapphire Preferred redeem points for travel bookings through Chase Travel and you’ll get 25% more value per point.

Though the Sapphire Preferred doesn't come with any Southwest-specific benefits, you can transfer your points at a 1:1 rate to 14 airline and hotel partner programs, including Southwest Rapid Rewards. 

This card also comes with a more robust list of travel protections than the co-branded Southwest cards do: trip cancellation and interruption insurance, baggage delay insurance, trip delay reimbursement, and primary rental car coverage. 

Finally, cardholders can receive up to $50 in statement credits each anniversary year for hotel stays purchased through Chase Travel℠. 

Check out our full review of the Chase Sapphire Preferred Card .

What is the Southwest Rapid Rewards® program?

Southwest Rapid Rewards is the airline's loyalty program. Through Rapid Rewards, you can earn points on qualifying flights and other select purchases. Rapid Rewards points are redeemable for flights, hotel stays, gift cards, merchandise experiences, events and statement credits to reimburse eligible expenses. 

Rapid Rewards members receive benefits like no blackout dates and unlimited rewards seats. Points earned through the program don’t expire, so you can use them as they’re earned or save them up until the time is right for that big trip you’ve been looking forward to.  

As a member, you can unlock additional airline perks through the program's two elite status tiers, which are A-List and A-List Preferred. Rapid Rewards status comes with benefits like priority boarding, free same-day standby and same-day changes, dedicated A-List member support and access to Priority Lanes and Express Lanes at the airport. 

Southwest Companion Pass

The Southwest Companion Pass is arguably the most coveted companion pass offering available. With the companion pass, you can designate one person to fly with you free of charge when you purchase or redeem rewards for a flight (though you’ll still have to pay taxes and fees, which start at $5.60 one way).

Timing is everything with the Southwest Companion Pass. Once you earn the pass, it is good for the remainder of the current year plus the next full calendar year. Earning the pass as early in the year as possible gives you the highest potential value. 

Southwest offers a few ways to earn a companion pass. The most challenging path to a companion pass is booking 100 qualifying one-way flights. Another option is to earn 135,000 qualifying Rapid Rewards points in a calendar year. Welcome bonuses count towards this total, making getting a new card and earning the bonus one of the quickest ways to qualify for a companion pass. 

How to choose the best Southwest credit card

Finding the best Southwest card from the range of choices depends largely on your travel and spending habits. If you regularly fly Southwest and want access to the airline's best benefits, one of its top-tier cards makes the most sense. If not, the entry-level Rapid Rewards Plus card is probably a better choice. Southwest personal cards earn points in the same spending categories, though the Plus card has a less generous earning rate than its bigger siblings on Southwest purchases.

Another factor to consider is the card's annual fee. Paying an annual fee isn't a bad thing, especially if you can squeeze considerable value out of the card through rewards and benefits. Annual fees range from $69 to $149 for Southwest Airlines personal cards and $99 to $199 for Southwest Airlines business cards. 

Alternatively, if you like flying Southwest but aren’t exclusively loyal to the airline, a travel card that lets you transfer points to Southwest may be the sweet spot for your travel habits. Consider the Chase Sapphire Preferred if you’re an occasional traveler, or its big brother the Chase Sapphire Reserve® if you’re a frequent traveler in need of extensive perks.  

How to maximize the value of your Southwest credit card

Follow these tips to get the most out of your Southwest Airlines credit card. 

• Use your card for daily spending: Use your card for Southwest and other purchases to earn more Rapid Rewards points. 
• Earn the welcome bonus: The quickest way to boost your Southwest points balance is to plan ahead and ensure you can meet the spending requirement needed to earn your new card's welcome bonus. 
• Qualify for a companion pass: If you frequently travel with the same person, earning the Southwest Companion Pass is a great way to save money on flights. 
• Redeem your points for flights: Rapid Rewards points are redeemable in several ways, but award flights will almost always offer the most value. 
• Use your card benefits: Southwest cards offer incredible value through the card benefits included, but they are only valuable if you use them every year you own the card. For example, making an eligible Southwest purchase (such as a ticket) on your Priority card and triggering the $75 Southwest® annual travel credit each year effectively recoups half your annual fee in one fell swoop.   

Frequently asked questions

Is a southwest credit card worth it.

Having a Southwest credit card is a great option if you regularly fly Southwest and the airline offers flights out of your home airport and to your preferred destinations. Each Southwest card offers enough value to offset its fee, provided you use it to earn rewards and take advantage of card benefits. If you don't fly Southwest, or typically don't fly when you travel, a different airline rewards card or a hotel card may be more useful to you.

Which banks issue Southwest credit cards? 

Chase is the credit card issuer for all Southwest co-branded credit cards. It's also the primary issuer with cards that earn rewards that transfer to Southwest Rapid Rewards, thanks to its famous Sapphire family of travel rewards cards. (Points can also be transferred from a Marriott credit card to Southwest Rapid Rewards, and some Marriott cards are Chase-issued while others are by American Express.)

How do you transfer Chase points to Southwest Rapid Rewards? 

You can transfer Chase Ultimate Rewards to Southwest and other travel partners through the Chase Ultimate Rewards portal. Navigate to the "Transfer to Travel Partners" section within your online account, select Southwest Airlines Rapid Rewards from the list of travel partners, enter the number of points you want to transfer in increments of 1,000 and complete the transfer. 

Does my Southwest credit card pay for Global Entry?

Not if you have one of the personal Southwest cards. The Southwest Rapid Rewards® Performance Business Credit Card is the only Southwest credit card that offers an application fee credit for Global Entry, TSA PreCheck or NEXUS. The benefit reimburses cardholders up to $100 every four years for application fees for one of these three trusted traveler programs. 

Can you have multiple Southwest credit cards?

You could technically have all five Southwest co-branded credit cards, but it doesn't necessarily make sense to have that many, especially if you lose out on welcome bonuses. Southwest bonus guidelines for personal cards state that "this product is available to you if you do not have a current Southwest Rapid Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months." 

You're also subject to Chase's 5/24 rule—an unwritten by widely known rule which essentially boils down to the fact that Chase will reject your application for one of their cards if you have opened five or more credit cards from any issuer in the past 24 months. 

Having one personal and one business Southwest card could make sense if you want more than one Southwest card and you operate a small business of some kind.

Does Southwest offer free checked bags?

Yes. Whereas many other airlines will charge you to check a bag, unless you have a co-branded card that specifically offers a free checked bag as a benefit, Southwest offers travelers two free checked bags—provided your bags don’t exceed the weight and size limits.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

This story was originally featured on Fortune.com

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Best SIM Cards for Thailand in 2024

Thailand is an incredibly popular travel destination, known for its gorgeous beaches, lively cities, amazing food, and rich culture. However, to truly make the most of your trip there, having constant access to data on your phone is essential.

That’s why choosing the right SIM card for Thailand is so important. With the perfect SIM card, you’ll be able to use maps and transportation apps to get around, look up reviews and directions on the fly, share photos of your trip instantly, and stay connected in case of emergency.

I recently spent a month backpacking around Thailand using multiple SIM cards. Based on my firsthand experience, I’ll compare the best SIM card options for getting data in Thailand in 2024. Whether you need a SIM for a quick holiday or an extended stay, this guide has got you covered!

Quick Overview: Best SIM Card for Thailand in 2024

Before jumping into the details, here is a quick look at my top recommendations:

• Best Overall:  AIS SIM Card – Excellent connectivity powered by Thailand’s best mobile network
• Best Budget Pick:  DTAC SIM Card – Affordable SIM perfect for shorter trips
• Best eSIM:  Airalo eSIM – Convenient all-digital SIM you can set up before your trip
• Best Physical SIM for Long Trips:  SimOptions Thailand SIM – SIM card delivered to your home before traveling

Keep reading for the full scoop on which SIM card is perfect for your upcoming Thailand vacation or move!

Do You Really Need a Thailand SIM Card?

You might be wondering — do I even  need  a special SIM card for Thailand?

Fair question! After all, Thailand does have pretty solid WiFi coverage. Most hotels, cafes, restaurants, and public areas have decent free WiFi.

However, I would still highly recommend getting a Thailand SIM card during your trip. Here are some of the key benefits:

Use Maps and Apps on the Go

The main reason I always use a local SIM when traveling is to have data access wherever I go.

Even though WiFi is common in Thailand, it’s not  everywhere . And I don’t want to have to constantly hunt down the nearest cafe just to load Google Maps or order a rideshare.

With mobile data, I can simply pull out my phone and get directions or book a Grab taxi anytime, anywhere. It makes navigating and transportation so much smoother.

Of course, having a SIM card also allows you to use any apps you want while on buses, trains, taxis or boats getting around Thailand. WiFi just isn’t reliable during transit.

Stay Connected in Emergencies

While I hope your trip goes perfectly smoothly, stuff happens sometimes.

If you lose your travel buddy in the night market, need to call your accommodations, or have any other issues pop up, having cell service can be a real lifesaver.

Relying solely on WiFi could mean finding yourself in a bind if something goes wrong and you desperately need to get in touch with someone.

Share Photos and Updates Instantly

Part of the fun of travel is being able to share real-time photos and videos with your friends, family and social media followers.

But this gets tricky when you have to continually connect to dodgy public WiFi networks. It’s much easier to instantly upload pics and posts as you take them instead of waiting to hunt down the nearest connection.

Avoid Roaming Fees and Charges

If you solely rely on roaming with your regular home SIM, you may return from your Thailand travels to find a sky-high phone bill. 😬

International roaming rates are rarely kind. Getting a local SIM helps you steer clear of exorbitant roaming fees and surprise overage charges.

For all these reasons, I highly suggest using a SIM card during your upcoming trip to the Land of Smiles.

Key Things to Consider When Choosing a Thailand SIM Card

The most important thing to keep in mind when shopping for a Thailand SIM card is  your specific needs and priorities.

Here are some crucial factors to consider:

Data Amount Needed

How much mobile data will you realistically need during your trip?

If you’ll primarily rely on WiFi and only use data minimally for maps and occasional searches, just 1-4GB may do. For moderate usage including some app time, aim for 5-10GB.

For heavier usage with lots of app time, YouTube watching, Spotify streaming etc, I’d grab at least 10-15GB if not unlimited data.

Network Coverage & Carrier Reliability

Thailand has three major SIM providers: AIS, TrueMove and DTAC. They all offer prepaid tourist SIMs at varying prices.

It’s crucial to choose a carrier with excellent nationwide network coverage and reliably fast speeds. I break down how the top carriers compare on this key factor later in the guide.

Price & Plan Duration That Fits Your Trip

SIM card rates in Thailand can range quite a bit based on data amounts and how long your plan lasts. Prices often drop the longer validity you choose.

Carefully consider how long you’ll be visiting, how much data you’ll need daily, and choose an appropriately priced plan. Remember you can always top up if you go over your allowance.

Convenience of Setup & Receiving SIM

Some SIMs require filling out paperwork in person while others you can order online and simply activate.

Consider when and how you want to get your Thai SIM card – upon airport arrival or delivered ahead of time to your home? Going fully digital with an eSIM Thailand ?

I’ll cover the pros and cons of various options so you can decide what works best.

Next, let’s take a look at the best Thailand SIM card providers and plans available in 2024…

AIS SIM Card – Best Overall

I crowned AIS as the best SIM card for Thailand in 2024 thanks to their blazing-fast 5G speeds, excellent connectivity powered by the country’s top network, and competitive tourist prepaid plans.

Known as the largest and best telecom in Thailand, AIS powers its network using cutting-edge 5G technology. Their cell and data signals now reach over 98% of the population.

During my month crisscrossing Thailand, my AIS SIM delivered impressively reliable connectivity and lightning-quick speeds.

I was happy to get 5G in most tourist areas and cities plus consistent 4G/LTE signals in rural villages, on remote beaches, and while island hopping.

As Thailand’s leading carrier, AIS has the reach, capacity and technology to remain the most consistent SIM option nationwide. Though not always the cheapest, their service and network reliability make the extra baht worthwhile.

Below are the key advantages of using an AIS prepaid SIM in Thailand:

Blazing fast 5G and 4G/LTE speeds  – I clocked 150+ Mbps downloads in parts of Bangkok!

Widest coverage nationwide  – Consistent high-speed data signals almost everywhere you travel.

Top-rated network quality  – Voted Thailand’s best mobile operator multiple years running.

8-30 day tourist SIM packages  – Ample validity and data amounts to suit short holidays or longer trips.

Easy activation and APN setup  – Simple to set up in minutes with their Traveller SIMs.

SIMs available for pickup at BKK airport  – Order ahead then grab your AIS SIM after arrival in Bangkok.

I recommend  purchasing an AIS Traveller SIM Card on Amazon  before your trip. Prices start at $9 USD for starter packs that include 8-30 day validity periods, data amounts perfect for light to heavy usage plus some bonus calling credit.

If you’ll solely rely on WiFi just for occasional maps, a few GB will do. But with an AIS SIM you can comfortably stream video, music etc without blowing through your allowance too quickly.

Below are some top AIS SIM package options for Thailand trips:

Once you arrive at Suvarnabhumi Airport Bangkok, you can pick up the AIS Traveller SIM you pre-purchased. Just present the QR code Amazon emails you.

Activate your Thailand tourist SIM in minutes using AIS’s dedicated Traveller SIM app. Setup is quick and painless without paperwork or passport copies required.

For consistently fast 5G and 4G/LTE connectivity all over Thailand without expensive roaming, I suggest putting AIS at the top of your SIM list!

• Nationwide 5G/4G/3G coverage
• Fastest average download speeds
• Quality network & data signals
• Competitive 8-30 day prepaid tourist plans
• Easy self-service activation
• Prices slightly higher than some budget carriers
• Physical SIM only (no eSIM option)

Dtac SIM Card – Best Cheap SIM for Thailand

For savvy travelers on a strict budget,  DTAC  SIM cards are my top value pick for getting data, calls and texts affordably in Thailand.

Although not always as fast or far-reaching as upscale rivals AIS and TrueMove, DTAC impresses considering the price you’ll pay. Despite some coverage limitations, I was happy with my DTAC SIM overall during testing.

Known for cheaper plans and promotions catered to tourists, DTAC operates a mobile network that utilizes both 4G/LTE and 5G technology.

As their name implies, blazing “happy top speeds” aren’t necessarily DTAC’s forte. But they do offerpleasantly usable mobile data at downright bargain rates for travelers on tighter budgets.

DTAC’s key advantages for frugal Thailand visitors include:

Ultra-affordable data rates  starting under $5 USD

Flexible 1-30 day validity  to suit short & longer vacations

Tons of discounts & promotions  exclusive to foreign tourists

Special Happy Tourist SIM  with freebies like data & call time

Easy self-activation  through DTAC website or app

For a well-priced SIM particularly suitable to mild data users who stick mostly to WiFi, you can’t beat DTAC. I especially recommend them for shorter Thailand trips under 2 weeks.

Just don’t expect amazing speeds if you plan to stream HD video nonstop or download huge files! As long as your usage stays modest, DTAC makes an awesome penny-pinching choice.

Check out some excellent DTAC SIM deals for Thailand visitors:

Prices listed include DTAC’s special discounted tourist rates. I’d suggest the 8 day plan for shorter trips under 2 weeks. Go 15 or 30 days for longer stays depending on your data needs.

Unlimited is always nice but remember, DTAC’s “Top Speeds” data is capped around 10-25Mbps for 4G/LTE.

You can conveniently  order DTAC’s Happy Tourist SIM Card on Amazon here  and activate easily through their website or app once in Thailand.

Overall for bargain hunters who mainly use WiFi and want an affordable Thailand SIM just for maps, light browsing and occasional app use, DTAC is a fantastic money-saving choice!

• Ultra-budget-friendly prices & deals
• 1-30 day validity periods
• Easy convenient activation
• Special discounted tourist plans
• Maximum speeds limited
• Patchy rural coverage in some regions

Airalo eSIM – Best Digital Thailand SIM Card

If going fully digital with an eSIM sounds awesome,  Airalo  is hands-down my top recommendation for Thailand trips starting at just $9.

Forget fumbling with physical SIM cards and angel-hair-thin nano trays — Airalo lets you setup cellular data in minutes right on your phone. 📱

As long as your device supports eSIM compatibility, simply use the Airalo app to scan a QR activation code. Seconds later, you’re connected! No stores, no paperwork required.💪

I’m thrilled Airalo expanded eSIM support to Thailand because it really simplifies getting online abroad. Their plans are also reasonably priced with ample included high-speed data.

Some key advantages of choosing Airalo’s Thailand eSIM include:

• Digital convenience  – Easy home activation & instant connectivity
• Multi-country eSIMs also available  – One SIM for all your Asia travels
• Thailand plans from 160 baht  – About $5 USD for 1GB
• Ultra-flexible top-ups  – Add data & days as you go
• Supports eSIM & dual SIM devices  – Use your existing SIM + Airalo

Airalo’s Thailand eSIM packages are affordably priced and centered around maximum flexibility:

₹  1 GB high-speed data – 7 days = 160 baht (~$5 USD)

₹  5 GB high-speed data – 15 days = 795 baht (~$22 USD)

₹  10 GB high-speed LTE data – 30 days = 945 baht (~$26 USD)

You can also build fully custom plans with as much data and validity as needed through their website or app. Love the flexibility!

Since Airalo eSIMs are all digitally activated and managed from your phone, pickup and activation are a total breeze:

Step 1 : Order your Thailand eSIM via Airalo’s app or website

Step 2 : Scan the QR code they email to instantly activate your plan

Step 3 : Enjoy high-speed data after a quick APN setup! 🥳

With outstanding convenience and reasonably priced data packages, Airalo is my hands-down favorite pick for getting an eSIM in Thailand. Never fuss with physical SIMs again!

• Digital eSIM convenience
• Reasonably priced data packs
• Customizable plans
• Easy remote setup & activation
• Dual SIM compatibility
• eSIM compatibility required
• Data only (no built-in calling or SMS)

SimOptions – Best Physical SIM for Thailand

Can’t use eSIM? No worries!  SimOptions Thailand SIM  cards deliver the next best convenience perk: at-home delivery before your trip. 😁

Like a normal nano SIM you’d insert at your destination, SimOptions ships an international Thailand Prepaid SIM to your home address days ahead of travel.

Instead of battling crowds to find a Thailand SIM pickup at the Bangkok airport, you can slide in your card immediately after landing and enjoy instant connectivity. So awesome!

I’m thrilled SimOptions expanded coverage to include Thailand. Their global SIM cards offer a nice compromise for those seeking maximum convenience without going fully digital.

Some standout benefits of a SimOptions Thailand SIM include:

• Ships FREE 1-3 days to your home  – Arrive in Thailand activated & ready
• No registration or ID required
• Auto-configures on 1st use  – Zero setup or app downloads
• 14-day $50 plan w/ 10GB high-speed data & 400 local mins
• Cost-saving vs. roaming  – Ships worldwide from their HK warehouse

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