No, there is not a Southwest credit card with no annual fee. The lowest annual fee for a Southwest credit card is $69 with the Southwest Rapid Rewards® Plus Credit Card.
Even though all of the Southwest credit cards currently have annual fees, they come with plenty of benefits, like 2 free checked bags and upgraded boarding, to make that fee worth it for frequent Southwest Airlines flyers. Moreover, all Southwest credit cards come with signup bonuses, from 40,000 to 70,000 points and they also offer good ongoing rewards rates.
Unlike some other airlines, Southwest doesn’t have any airline transfer partners. That means you can’t get a $0 annual fee credit card from another airline and transfer the rewards to Southwest. Because of that, Southwest credit cards are really only intended for frequent Southwest Airlines flyers.
There are a few credit cards whose rewards you can transfer to Southwest through the Chase Ultimate Rewards travel portal. Those cards include the Chase Sapphire Preferred® Card card, the Chase Sapphire Reserve® card, and the Ink Business Preferred® Credit Card. However, each of those credit cards has an annual fee. The best card for transferring points to Southwest is the Chase Sapphire Preferred® Card, because it has the lowest annual fee at $95 and comes with a big signup bonus: 60,000 points after spending $4,000 in the first 3 months.
There are also a few credit cards from other airlines that have no annual fees.
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