Many of the credit card offers that appear on this site are from credit card issuers from which MillionMileSecrets.com receives compensation. Compensation does not impact the placement of cards on Million Mile Secrets other than in banner advertising. MillionMileSecrets.com does not include all credit card offers that might be available to consumers in the marketplace.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

The new top dog: Southwest Priority Credit Card review

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.

The new top dog: Southwest Priority Credit Card review

Devon O'RourkeThe new top dog: Southwest Priority Credit Card reviewMillion Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.

Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

INSIDER SECRET: Even though this card has the highest annual fee of any of the Chase Southwest cards, you’ll get perks worth much more than your yearly cost if you make use of them.

The Southwest Rapid Rewards® Priority Credit Card is the newest member of the Southwest family of credit cards offered by Chase and it’s already the head of the household.

With the card, you’ll earn up to 60,000 Southwest points (worth ~$900 or more in travel) after meeting the card’s minimum spending requirements. The Chase Southwest Priority card also comes with a slew of terrific benefits, including a $75 travel credit and 7,500 Southwest points on your card anniversary. Here’s our Southwest Priority card review.

Chase Southwest Priority Card review: Open this card and you’ll be up to 60,000 points closer to earning a Companion Pass. (Photo courtesy of Southwest Airlines)

Southwest Priority Card bonus

Apply Here: Southwest Rapid Rewards® Priority Credit Card

If you fly Southwest often or have a Southwest hub nearby, the Southwest Priority Card is great to have in your wallet. After spending $1,000 in the first three months of account opening, you’ll earn 40,000 Southwest points. You can earn an additional 20,000 Southwest points after spending $12,000 in total (an additional $11,000) in the first 12 months of account opening.

A Southwest point’s value is ~1.5 cents (and sometimes more), so it’ll be easy to get at least $900 worth of travel from the 60,000-point bonus. Award flights are based on the cash price of the ticket, so you’ll never have blackout dates when redeeming your hard-earned points. Plus, everyone gets two free checked bags and there are never any change or cancellation fees on Southwest.

Benefits and perks of the Southwest Priority Card

Southwest Companion Pass

The Southwest Companion Pass is one of the best deals in travel. The Southwest Priority Card’s welcome bonus and the points you earn from spending on the card both count toward earning the pass. To earn a Companion Pass you need to complete one of the following tasks in a calendar year:

  • Fly 100 qualifying one-way flights
  • Earn 110,000 qualifying Southwest points

Once you earn the Companion Pass, a friend or family member can travel with you on paid and award flights for just the cost of taxes and fees. This can easily save you hundreds of dollars per flight. I use this for flights with my fiancé and we saved $1,000+ last year alone.

$75 in Southwest travel credits every year

Each year, you’ll receive $75 in statement credits after making eligible Southwest purchases. Basically, any Southwest purchases except for upgraded boarding and inflight purchases qualify. You can use this credit to purchase a ticket and effectively cut your annual fee in half.

7,500 anniversary points

Every year on your account anniversary, you’ll receive 7,500 Southwest points (worth ~$113 in airfare). That’s a nice way to offset most of the annual fee.

Four upgraded boardings

On your day of travel, when available, you can purchase an upgraded boarding. My last flight to Chicago was offering these upgrades for $50. Just use your card to purchase the upgrade and you’ll receive a statement credit up to four times per cardmember year. That’s worth up to $200.

Southwest Rapid Rewards® Priority Credit Card Review

20% back on inflight purchases

When you purchase inflight drinks, entertainment and Wi-Fi, you’ll receive 20% back in statement credits with no maximum. Wi-Fi is available for $8 per device, per flight. So you can save ~$2 when you purchase Wi-Fi.

Earn tier qualifying points

You earn 1,500 tier qualifying points (TQP) for each $10,000 you spend with your card on up to $100,000 in purchases every calendar year (15,000 TQP). These points count toward earning Southwest status.

Is the Southwest Priority Card worth it?

The annual fee of $149 is not waived the first year, but it’s not hard to get much more value than that. The anniversary points alone are worth ~$113 and the four boarding upgrades can be worth up to $200 (4 X $50). When you add those to the annual $75 in credits for Southwest purchases, you could get nearly $400 in value for only paying $149 fee.

For those who may not make use of all of the perks, we’ll suggest other cards below that might be a better deal.

The Southwest Priority card is subject to Chase’s strict application policy, known as the Chase 5/24 rule.

Chase will not approve you for most of their cards if you’ve opened five or more cards from any bank (not counting Chase business cards and certain other business cards) in the past 24 months.

How to earn points with the Southwest Priority Card

It’s easy to earn points with the Southwest Priority Card. You can earn points in three ways:

  •   2 Southwest points per dollar on Southwest Airlines purchases, including airfare
  •   1 Southwest point per dollar on every other purchase
  •   7,500 Southwest points each year on your card anniversary

How to redeem Southwest points

Southwest award prices are based on the cash price of the ticket. This means no blackout dates as along as a paid ticket is available, but it also means no defined-award pricing. In general, Southwest points are worth ~1.5 cents each, but I’ve seen them go up to 1.8 cents each, and occasionally higher.

You can only redeem Southwest points for Southwest flights. In addition to award flights, you can also donate your points to charities or gift your points to another Southwest frequent flyer program member.

It’s really easy to redeem your Southwest points using their website or mobile app. In fact, they have a really fancy map that shows you all the routes they fly. I use this for inspiration when I want to see where I can travel.

Southwest Rapid Rewards® Priority Credit Card Review

To use your points, click on the “Points” button in the top right when searching for flights. On the next screen, you’ll see three columns showing you Business Select, Anytime and Wanna Get Away fares. The latter will offer the best value for your points. You’ll always get two free checked bags and free cancellations and changes with any fare. Select the flight you want and hit continue.

Southwest Rapid Rewards® Priority Credit Card Review

The next page shows you your specific itinerary, your points cost, and the taxes and fees (usually ~$6 for a one-way domestic flight).

Southwest Rapid Rewards® Priority Credit Card Review

If you ever need to cancel or change your flight, just head to your account page. You can see your future flights and choose the “Cancel/Change” button to see your options. If you don’t like any of the alternatives, you can cancel your flight. Your points will return to your account and your ~$6 will be refunded to your credit card or can be held on your account for future use — your choice.

Does the Southwest Priority Card have a foreign transaction fee?

No.

Southwest Priority Card customer service

The Southwest Priority card is issued by Chase. In my experience, Chase has excellent customer service and a useful website and mobile app. For most issues you don’t even need to call Chase because you can send a secure message, which isn’t an option available with all banks.

Cards similar to the Southwest Priority Card

Here are cards we’d recommend in addition to or in place of the Southwest Priority Card:

1. Chase Sapphire Preferred

Apply Here: Chase Sapphire Preferred® Card

Read our Chase Sapphire Preferred review


The Chase Sapphire Preferred is our top recommendation as a first credit card for beginners in the points-and-miles hobby. The points you earn are extremely valuable, because you can transfer Chase Ultimate Rewards points from this card to airline and hotel partners, including Southwest.

If you don’t fly Southwest enough to make the Southwest Priority Card worth the annual fee, check out our review of the Chase Sapphire Preferred to see why team member Scott has paid his Chase Sapphire Preferred annual fee four times.

After spending $4,000 on purchases within three months of opening the Chase Sapphire Preferred, you can earn 60,000 Chase Ultimate Rewards points worth $750 when you redeem them for travel through the Chase Ultimate Rewards Travel Portal and potentially more when you transfer your points to airline and hotel partners, like Southwest.

2. Other Chase Southwest Cards

Apply Here: Southwest Rapid Rewards® Premier Credit Card

Read our Southwest Premier card review

 

Apply Here: Southwest Rapid Rewards® Plus Credit Card

Read our Southwest Plus card review

 

Apply Here: Southwest Rapid Rewards® Premier Business Credit Card

Read our Southwest Premier Business card review

Apply Here: Southwest Rapid Rewards® Performance Business Credit Card

Read our Southwest Performance Business credit card review

If you like earning Southwest points but prefer a lower annual fee, consider the other personal Chase Southwest cards. Each has the same welcome bonus as the Chase Southwest Priority. You’ll earn 40,000 Southwest points after spending $1,000 on purchases in the first three months of account opening and another 20,000 points after spending $12,000 in total in the 12 months your account is open:

If you don’t qualify for a personal card, consider:

It’s no longer possible to have more than one personal Southwest card at the same time. But you can still get one or more business cards and a personal card.

Bottom Line

The Southwest Priority Card is the top dog among all the Chase Southwest cards.

You’ll earn 60,000 Southwest points (worth ~$900 in travel) after meeting minimum spending requirements. The card offers a recurring value of nearly $400 for only a $149 annual fee, not including the ~$900 in value from 60,000 Southwest points.

If you fly Southwest regularly, you’ll get great use of this card. However, if you don’t fly Southwest often, we recommend the Chase Sapphire Preferred Card for its versatility and well-rounded value. Plus the Chase Ultimate Rewards points you earn with the Sapphire Preferred card transfer to Southwest at a 1:1 ratio.

You can apply for the Chase Southwest Priority card here.

To learn more about the Chase Southwest Priority and Southwest points, check out these guides:

For the latest tips and tricks on traveling big without spending a fortune, please subscribe to the Million Mile Secrets daily email newsletter.

 

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!

243comments

by Newest
by Best by Newest by Oldest

I have the Plus credit card. If I cancel that card, can I get the Priority or Premier card? Do I have to wait a certain amount of time?
Also, do I have to wait until 24 months after I received the bonus miles for my Plus card?

Upgraded my existing Sw credit card. For an additional $50, worth

The additional benefits, plus you receive 2500 Sw points.

Woohoo! Awesome, glad you found the upgrade worthwhile 🙂

Used your sign up link today. Hope you get bonus points for my approval of this card.

I see they don’t offer referral points on this card as of yet.

I’m in a Delta hub, DTW, so not likely to use it much. It might be nice card for some leisure travel tho.

I like no black-out dates!

Load more