You can do a Southwest credit card balance transfer by making a request either online or over the phone at (800) 945-2000. Note that there is no 0% introductory APR with a Southwest credit card balance transfer. But you can earn 1 point / $1 transferred – up to $10,000 or $15,000, depending on the card.... read full answer
The Southwest credit cards’ balance transfer offer is unique in that you earn rewards. Don’t let that sway you too much, though. Southwest points are worth around 1.5 cents each. All in all, it is better to use a good 0% APR balance transfer credit card. This can save you much more than Southwest’s balance transfer rewards.
What to know about Southwest credit card balance transfers:
- Balance transfers, including fees and interest, cannot exceed $15,000 or your available credit limit, whichever is less.
- The Southwest credit cards’ balance transfer APR is 20.49% - 27.49% (V), depending on your creditworthiness.
- You earn 1 point / $1 transferred, up to $15,000 with the Southwest Rapid Rewards® Premier Credit Card and the Southwest® Rapid Rewards® Premier Business Credit Card. Or, up to $10,000 with the Southwest Rapid Rewards® Plus Credit Card. Transfers must be completed within 90 days of account opening to be eligible. The Southwest Rapid Rewards® Priority Credit Card and the Southwest® Rapid Rewards® Performance Business Credit Card do not offer rewards on balance transfers.
- It may take up to three weeks to set up a new account and process any balance transfers. Keep paying your original lender in the meantime.
- The Southwest Airlines credit cards accept balance transfers from other credit cards (except those issued by Chase), car loans, student loans, personal loans, and more.
The Southwest credit cards offer plenty of incentives for airline travelers, such as initial bonuses, free annual frequent-flyer points and rewards on Southwest Airlines purchases. But if you’re interested in balance transfers with a low APR, there are cards out there better suited for that purpose.
Alternative credit card options:
If you’re looking for an airline card that is ideal for balance transfers, you should consider the JetBlue Plus Card. This card has an intro APR of 0% for 12 months on balance transfers (20.49% - 29.49% (V) after that), with a 5% (min $5) balance transfer fee.
Alternatively, you should consider a general balance transfer card, like the Wells Fargo Reflect® Card. This card offers an into APR of 0% for up to 21 months from account opening on qualifying balance transfers (17.49% - 29.49% Variable after that). The card’s balance transfer fee is: 3% intro for 120 days, then up to 5% (min $5). The Citi® Diamond Preferred® Card gives you an intro APR of 0% for 21 months on balance transfers (17.49% - 28.24% (V) after that), but there’s a 5% (min $5) transfer fee.show less