Jane Cogli, WalletHub Credit Card Advisor
@janecogli
The Southwest credit card foreign transaction fee is either $0 or 3% of each transaction in U.S. dollars, depending on the card. More specifically, the Southwest Rapid Rewards® Plus Credit Card card’s foreign transaction fee is 3% of each transaction in U.S. dollars. The other Southwest credit cards have no foreign fees.
Southwest credit card foreign transaction fees:
- Southwest Rapid Rewards® Priority Credit Card: $0 foreign transaction fee. $149 annual fee.
- Southwest Rapid Rewards® Premier Credit Card: $0 foreign transaction fee. $99 annual fee.
- Southwest® Rapid Rewards® Premier Business Credit Card: $0 foreign transaction fee. $99 annual fee.
- Southwest Rapid Rewards® Plus Credit Card: 3% of each transaction in U.S. dollars foreign transaction fee. $69 annual fee.
A Southwest credit card with no foreign transaction fee is well-suited for international travel, but only to certain locations. While Southwest doesn’t exactly operate globally, they do offer flights to Mexico, Central America and the Caribbean. There are over 110 destinations total.
The Southwest credit cards give 2 points / $1 - 4 points / $1 spent on purchases made directly through Southwest Airlines. If you earn points on a Southwest credit card with a foreign transaction fee of $0, they won’t be wiped out by a 3% charge.
Unfortunately, though, Southwest is one of the few major airlines that is not part of a big airline alliance. That means their points can’t be transferred to partner airlines that could service other international destinations.

Southwest Rapid Rewards® Plus Credit Card
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