A credit score of 700+ is needed for the Southwest Premier Card. This means that you need at least good credit to get this card.

However, no one can tell you for sure whether a good credit score is sufficient to garner approval. The reason for that is because, while your credit standing is a very important factor, it's not the only one. There are other variables that may play a role such as your credit history, any outstanding debts, and your income.

Having said that, it is also worth noting that you can check your credit score for free on WalletHub and see where you stand.

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:...

The best Southwest Premier Card benefits are rental car insurance and purchase protection. The Southwest Rapid Rewards® Premier Credit Card also has travel and emergency assistance services and extended warranty, which are more common perks across Chase credit cards.

Southwest Premier Card Benefits

• Rental car insurance
• Purchase protection
• Travel and emergency assistance services
• Extended warranty
• Travel accident insurance
• Roadside dispatch
• Baggage delay insurance
• Lost luggage reimbursement

In addition to these benefits, the...

No, the Southwest Premier Card 60,000-point bonus is not available right now. The card's current sign-up bonus is 50,000 points after spending $1,000 in the first 3 months of account opening. The bonus points are worth at least 2 free Southwest flights, depending on the cost of airfare.

In addition, the Southwest Premier Card offers 1 - 3 points per $1 spent on purchases. The card gives more bonuses outside of the first year, too. Southwest Premier Card members also receive 6,000 bonus points every year after card membership renewal. 

The Southwest Rapid Rewards® Premier Credit Card foreign transaction fee is $0. This means you won't be subject to an additional charge whenever you use the Southwest Rapid Rewards® Premier Credit Card outside of the United States. Whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant, you won't have to pay extra.

To learn more, refer to our guide on foreign transaction fees and our editors' picks for the best credit cards without foreign fees.

The Southwest Rapid Rewards® Premier Credit Card offers multiple types of travel insurance, which cover rental car damage or theft, serious injuries, lost luggage, and delayed baggage for trips paid for with the card. There is no additional cost for any of these perks, other than the card's $149 annual fee.

Types of Southwest Premier Card Travel Insurance

• Rental car insurance. Covers damage caused by theft or a collision up to the actual cash value of most rental cars. You...

You can add a Southwest Rapid Rewards Premier authorized user online or by calling the issuer's customer service, Chase in this case, at 800-432-3117.

To add an authorized user online, sign in to your account, click “Things you can do,” and then select “Add an authorized user” from the drop-down menu. After that, fill out the form and click “Add Authorized User.”

You may also want to check out our article on adding an authorized user for...

To cancel a Southwest Premier Card, call customer service at 1 (800) 432-3117 or log in to the Chase website. Cardholders can also cancel an account in person at a Chase branch, or by mail.

Be aware that if there's a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. In addition, canceling your card will forfeit any unused points if...

Southwest credit cards are worth having if you frequently fly with Southwest and can take advantage of the perks and rewards the cards offer. These cards are particularly beneficial for travelers who want to earn points, enjoy benefits like the first checked bag free, and receive anniversary bonus points each year.

Here's Why Southwest Credit Cards Are Worth Having:

Initial Bonus: This card offers 50,000 points after spending $1,000 in the first 3 months.

Ongoing Rewards: 3 points per $1 spent with Southwest, 2 points per $1 spent at grocery stores and restaurants (on the first $8,000 in combined purchases per anniversary year), and 1 point per $1 on all other purchases

Other...

No, the Southwest Premier Card does not have a 0% APR intro period for new purchases. If you're planning on making a large upcoming purchase and you don't anticipate paying off the balance for a few months, the Southwest Premier Card is not a great credit card to use.

Alternatively, you can check out the best 0% APR credit cards of 2025, selected by WalletHub's editors from 1,500+ offers. Just keep in mind that many cards with a...