I am looking to apply for Southwest card but not... - Travel with Credit Cards Questions


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Credit Card Applications » Questions » User Questions » Travel with Credit Cards » I am looking to apply for Southwest card but not sure… I do fly with them and I’m...

I am looking to apply for Southwest card but not sure… I do fly with them and I’m a member of Rapid Rewards but I do not fly with them often, once a year or even less. Just thought it would be good having Southwest credit card. What are your thoughts?

Answered on | Updated on June 15th, 2017
The content is accurate at the time of publication and is subject to change.

Since you do not fly with Southwest Airlines often, we would not recommend you applying for its credit card. The reasoning is simple: biggest rewards (2 points per $1) are earned on Southwest purchases and on purchases with some partners only. All other purchases earn only basic rewards – 1 point per dollar spent. Plus, Southwest cards have annual fees. Instead of having a credit card with an annual fee that earns little rewards, you may want to have a no annual fee credit card that earns equal rewards everywhere. Regular travel rewards credit cards are such cards. For example, the Discover it® Miles has no annual fee and gives 1.5 miles for every $1 spent on purchases. Also, in addition to good earning potential, travel rewards credit cards offer almost unlimited redemption opportunities as you are allowed to redeem earned miles or points for any airline ticket or travel costs. On the Southwest card miles expire in 24 months of inactivity, so if you don’t complete any flights with Southwest within 2 years, you may lose your miles. On Discover, however, you may enjoy infinite miles as they never expire.

Besides, all the miles you’ve earned during the first year of using the Discover it® Miles card, are matched at the end of the year (provided you are a new cardmember). For example, if you’ve earned 35,000 miles, you’ll get 70,000 miles.

The Discover it® Miles also doesn’t have the annual fee, so you’ll lose none of your miles to the annual payments. And last but not least, it is perfect for major purchases as it has 14 months of 0% intro APR period on purchases. For example, you can go on holiday and pay it off for over 1 year. Note that when the introductory interest rate is over, the ongoing APR of 13.99% – 24.99% Variable will apply.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
  • April

    Does Discover It Miles have sign-up bonus? 1.5 miles is not so attractive comparing to other travel offers in the market..

    • CreditLandCom

      The Discover it Miles card benefit is that all miles you’ll have earned by the end of your first year of cardmembership will be doubled at the end of the year. For example, if you earn 30,000 miles, you get 60,000 miles. There is no limit to how many miles you can earn and miles do not expire.

  • Larry

    Debating between opening up a SW cc vs opening another cc. We don’t travel all that much, maybe 1-2x per year. Do you think it’s worth it to open this SW card or another card?

    • wallabee

      if you travel only 1 or 2 times a year it’s not worth it. You earn only 1X on purchases see what it gives you you’ll earn much more with just a travel card.
      Discover is a really good deal here

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