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Compare Credit Cards to Choose the Best One!

When you cannot decide between having a regular credit card or getting an airline branded credit card like a Southwest credit card, the best way out would be comparing them. Below you can compare some popular travel credit cards using our convenient comparison tool. By default, we compare the Capital One Venture and Southwest credit cards, but you can change the pair of cards if you wish.
for Excellent, Good Credit
Compare Cards: Capital One® Venture® Rewards Credit Card and others
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for Excellent Credit
Compare Cards: Southwest Rapid Rewards® Premier Credit Card and others
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Compare Cards: Capital One® Venture® Rewards Credit Card and others
Rewards
Compare Cards: Southwest Rapid Rewards® Premier Credit Card and others
Miles
Rewards Type
Points
50000 Miles once you spend $3,000 on purchases within 3 months from account opening
Rewards Bonus
Earn 40,000 Points after you spend $1,000 on purchases in the first 3 months of opening your account.2
Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture

Earning Rewards
Earn 2 points for every $1 you spend on Southwest Airlines® purchases.2

Earn 1 point for every $1 you spend on all other purchases.2

Miles won't expire for the life of the account and there's no limit to how many you can earn
Rewards Expiration
Points don't expire as long as your card account is open.2
Fly any airline, stay at any hotel, anytime; no blackout dates
Redemption Options
Redeem for Southwest Airlines flights, at thousands of hotels and car rental agencies, gift cards and merchandise through More Rewards platform.2
The whole idea of getting a travel credit card is to earn rewards towards your future travel. Thus, you should make sure all your purchases will earn maximum rewards. Then check out the redemption rules to insure you will be able to use earned rewards.
Compare Cards: Capital One® Venture® Rewards Credit Card and others
Purchases
Compare Cards: Southwest Rapid Rewards® Premier Credit Card and others
N/A
Introductory APR
N/A2
14.74% - 24.74% (Variable)
Ongoing APR
17.99% - 24.99% Variable2
Chances are you will put your travel expenses on to your new travel rewards credit card, and since your travel can be quite costly, you may need a little help paying off the card balance. A 0% intro APR period will be extremely welcome in this situation. With 0% intro APR you may spread payments over zero introductory period without overpaying.
Compare Cards: Capital One® Venture® Rewards Credit Card and others
Fees
Compare Cards: Southwest Rapid Rewards® Premier Credit Card and others
$0 intro for first year; $95 after that
Annual Fee
$992
None
Foreign Transaction Fee
None2
Up to $38
Late Payment Fee
Up to $37 if the balance is $250 or more2
It may be great when a credit card is full of benefits, but you should know how much it will cost you. Do not forget to check out all possible fees and charges to make sure you know what you are paying for.
Compare Cards: Capital One® Venture® Rewards Credit Card and others
Cash Advance
Compare Cards: Southwest Rapid Rewards® Premier Credit Card and others
24.74% (Variable)
Ongoing APR on Cash Advance
26.99% Variable2
3% of the amount of the cash advance, but not less than $10
Cash Advance Fee
5% ($10 min)2
0 days
Minimum Grace Period
N/A2
Whether you need cash while abroad or simply in a situation when credit cards are not accepted, you should always know how much cash advance will cost you. It is not only about the fee, but also about an interest rate. In addition to the fees, you will want to know the amount you are allowed to withdraw to avoid sticky situations.
Compare Cards: Capital One® Venture® Rewards Credit Card and others
Travel Features
Compare Cards: Southwest Rapid Rewards® Premier Credit Card and others
See terms
Checked Bag
Bags fly free®: First and second checked bags.2
See terms
LOUNGE ACCESS
NO2
See terms
Priority Boarding
Priority boarding for A-List Status members2
NO
Wi-fi Credit
NO2
Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
Global Entry/TSA PreCheck
NO2
Another reason to have a travel credit card in your wallet is benefits it offers. However, not all travel cards have benefits you need. The set of benefits vary from issuer to issuer. More than that, the more benefits are available, the higher the annual fee will be. So check if the benefits are worth the fee before you apply.
Compare Cards: Southwest Rapid Rewards® Premier Credit Card and others
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HOW TO CHOOSE THE BEST CREDIT CARDS IN 5 EASY STEPS

When you're looking for the best credit card, you may find that not all so-called best offers are good for you. The reason is simple - we all have different needs and requirements. Therefore, one best credit card is not necessarily best for each and every person. Below we offer you five things that are important to consider when choosing a best credit card.
  1. 1. Rewards Program

    Probably the first thing we look at is a rewards program. Rewards can be given in a form of miles, points or cash back. If you are after specific rewards, you can search by rewards type. However, we would recommend you looking at your expenses first. Since many cards offer higher rewards in specific shopping categories, it's worth understanding where you spend more to make sure you will earn maximum rewards.
  2. 2. The Interest Rate

    Even though you most likely will be paying off the card balances in full on your travel credit card, it is worth comparing interest rates. Some travel credit cards have a 0% intro APR for about a year. With this benefit, you will have some time to pay off an expensive travel without paying a penny in interest. The zero introductory period won't last forever, so check out a go-to interest rate and when it applies as well.
  3. 3. Fees and Penalties

    An annual fee of a travel credit card may be as high as $500 and if you choose a credit card with a high annual fee, you should make sure it's justified. You won't want to pay for something you do not use, so make sure the card's benefits are worth the annual fee. If you do not use credit card benefits, then look for the no annual fee credit cards.
  4. 4. Balance Transfer Opportunity

    If a travel credit card has a 0% intro APR on balance transfers, see if it allows to earn rewards for transferring a balance. It is a rare benefit these days, but still offered by some issuers. The number of rewards you may earn on balance transfers is limited, so make sure you are aware of all the caps and terms. Also, there can be a balance transfer fee which is usually around 2%-5% of the amount transferred.
  5. 5. Card for Your Lifestyle

    Airline credit cards are designed for frequent travelers who fly more than two times a year. If you board a plane just once a year or even less, then having an airline credit card will be a waste of time - you won't be able to accumulate rewards fast enough to get an award ticket. Travel rewards credit cards are ideal for occasional travelers as they allow to earn rewards fast on everyday purchases.

LOOKING FOR TRAVEL CREDIT CARDS? SEE MORE CREDIT CARD OFFERS

Best for Miles Earnings

Best for Hotels

Best for Spend Bonus

Intro APR (on Purch.)
0% (14 months)
0% intro on purchases for 12 months
N/A
Regular APR (on Purch.)
13.99% - 24.99% Variable
13.74% - 23.74% (Variable)
17.99% - 25.99%* (Variable)
Annual Fee
$0
$0
$99, waived for first 12 months*
Rewards Earned
Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.

Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture

Earn 2 AAdvantage® miles for every $1 spent at gas stations*

Earn 2 AAdvantage® miles for every $1 spent at restaurants*

Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*

Bonus Offer
INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
20000 Miles once you spend $1,000 on purchases within 3 months from account opening
Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening*
It is easier to find a best credit card when you know what benefits and features your new credit card should have. When you have several options, comparing them can help you make your decision. If you cannot choose between an airline credit card and travel rewards credit card, calculating potential earnings and expenses may help. Or you can simply apply for both cards to maximize your rewards. Whichever card you choose, remember that it should work for you all the time: whether you travel or simply buy a morning coffee at a local cafe.

USER QUESTIONS ABOUT THESE CREDIT CARDS

I have a Southwest credit card which I haven't used for quite a long time but it has some lingering points on it. So I...
There can be two reasons you cannot redeem your miles. The first is you are trying to redeem Southwest points for a travel after the date your miles are due to expire. Since you haven't used your card for a while, we can assume that you haven't had...
Read more
How to earn more Southwest points? I’m planning trip to San Jose with my family but I’m not sure I have enough points to...
To earn Southwest points, first, you should be registered in the Southwest loyalty program – Rapid Rewards®. Once you are a member, you will earn points on every dollar spent to fly Southwest. When you do not fly, you can earn Southwest points...
Read more
I often fly with different airlines like Air France and Southwest Airlines. What card would you recommend? I am planning to...
A travel rewards credit card offered by a major bank can be a good option for you. Travel rewards cards are not co-branded with airlines but allow you to earn miles towards future getaways. All miles you’ve earned can be redeemed for travel...
Read more
Which is the best travel card to use?
It depends on how often you fly, your spending habits, and whether you are loyal to one particular airline. Thus, when you do not fly a lot, having an airline branded or travel tailored credit card won't have sense. You won't simply earn those big...
Read more
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