Chip Lupo, Credit Card Writer
@CLoop
The biggest disadvantage of the Southwest Rapid Rewards® Plus Credit Card is that it is available to people with at least good credit, which means the average person may struggle to qualify. There are a few other disadvantages of the Southwest Plus Card to be aware of, too.
Southwest Plus Card Disadvantages
- Requires high credit scores: The Southwest Plus Card requires at least good credit for approval.
- No 0% APR on purchases: The Southwest Plus Card does not currently offer a 0% APR promotion on purchases, so it is not good for people looking to finance big purchases.
- No 0% balance transfer APR: There is no promotional 0% APR on balance transfers.
- Annual fee: The annual fee is $99.
In addition, there are plenty of potential disadvantages applicable to all or most credit cards. Some examples are the hard credit pull that usually happens when you apply, interest charged on balances that are carried from month to month, and the potential to overspend.
People also ask
How hard is it to get a Southwest credit card?
It is hard to get a Southwest credit card because you must have at least good credit to qualify. If you don't have a credit score of 700+ credit score and a lot of income compared to your debts, it will be difficult for you to get approved for a Southwest credit card.
Minimum Credit Score for Notable Southwest Credit Cards
- Southwest Rapid Rewards® Plus Credit Card: Good credit
- Southwest Rapid Rewards® Premier Credit Card: Good credit
- Southwest Rapid Rewards® Priority Credit Card: Good credit
- Southwest® Rapid Rewards® Performance Business Credit Card:...
How much is 50,000 Southwest points worth?
50,000 Southwest points are worth around $745 when redeemed for airfare. While Southwest Rapid Rewards points are most valuable when redeemed for flights, they’re also redeemable for gift cards, hotel stays, merchandise, and more.
Value of 50,000 Southwest Points vs. The Competition
| Rewards Program | Value of 50,000 Points/Miles | Average Value per Point/Mile |
| $745 | 1.49 cents |
What are the Southwest Airlines credit score requirements?
You need a credit score of at least 700 to be approved for a Southwest Airlines credit card, which is considered good credit. If your credit score is below the threshold needed for a Southwest Airlines credit card, it’s best to wait to apply until you meet the credit score requirement. You can check your credit score for free on WalletHub.
Credit Score Recommended by Southwest Airlines Card
- Southwest Rapid Rewards® Plus Credit Card: 700 (Good credit)
- Southwest Rapid Rewards® Priority Credit Card: 700 (Good credit)...
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