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Rewards rate
1x - 4xPoints per dollarAnnual fee
$199Welcome bonus
80,000PointsEditors' bonus estimate
up to $1,080
Additional rates & fees
- Annual fee
- $199
- Intro purchase APR
- N/A
- Regular purchase APR
- 20.99% - 27.99%* Variable
- Intro balance transfer APR
- N/A
- Regular balance transfer APR
- 20.99% - 27.99%* Variable
- Cash advance APR
- 29.74%* Variable
- Cash advance fee
- 5%, Min: $15
- Late fee
- See Terms*
- Penalty APR
- Up to 29.99%
- Balance transfer fee
- 5%, Min: $5
- Foreign transaction fee
- $0
- Return payment fee
- See Terms*
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.
Card details
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC