Earn 3x on Southwest and 2x on transit and streaming

Southwest Premier Card Calculator: Rapid Rewards Estimator & Rewards Guide

Fees

Earning Rates

Earn 3X points on Southwest® purchases.
Earn 2X points on local transit and commuting, including rideshare.
Earn 2X points on internet, cable, phone services, and select streaming.
Earn 1X points on all other purchases.

Main Benefits

10,000 Companion Pass® qualifying points boost each year
1,500 Tier Qualifying Points for every $10K you spend
6,000 anniversary points each cardmember year
2 EarlyBird Check-In every year
25% discount on in-flight purchases.

Our Take

The Southwest Premier Card is a solid option for Southwest flyers, but you can pay $50 more per year for the Southwest Rapid Rewards® Priority Credit Card and receive about $90 in extra value without spending a dime.

Last Updated: 04-15-2025

Southwest Premier Card Points Calculator

Estimate how many points you’ll earn with the Southwest Premier Card based on your spending. Compare this card’s value with others in the Southwest lineup, and adjust fees, bonus categories, and perks for your travel strategy.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

Southwest Rapid Rewards® Premier Credit Card Details

Earning Rates

The Southwest Premier Card earns Southwest points at the following rates:

3 points per $1 spent on Southwest purchases, including flight, inflight and Southwest gift cards.
2 points per $1 spent on Rapid Rewards hotel and car rental partners.
2 points per $1 spent on local transit and commuting purchases, including rideshare, passenger trains, buses, taxis, tolls, and parking lots and garages.
2 points per $1 spent on Internet, cable, phone services, and select streaming.
1 point per $1 spent on all other purchases.

Rewards Value & Calculator

Loading Info

Key Benefits

Here are the main perks and benefits of the Southwest Premier Card:

Anniversary Points: Receive 6,000 points after your cardmember anniversary, every year.
EarlyBird Check-In: Receive two EarlyBird Check-In each year.
25% Savings In-Flight: Receive 25% back on inflight purchases for drinks and WiFi in the form of a credit card account statement credit.
Earn TQPs On Spend: Earn 1,500 tier qualifying points toward A-List status for every $5,000 spent – with no limit on the amount of TQPs you can earn.
Companion Pass Boost: Receive a boost of 10,000 Companion Pass qualifying points every year.
Travel & Purchase Coverage: Lost Luggage Reimbursement, Extended Warranty Protection, Baggage Delay Insurance, and Purchase Protection.

Fees

Annual Fee

The Southwest Premier Card has an annual fee of $99.

The anniversary points are worth about $70 to $80, so that's most of the fee covered every year. It's not hard to squeeze additional value out of the card with the remaining benefits.

Authorized User Fee

There is no fee to add additional users to the Southwest Premier Card. Adding authorized users can help you build your points faster.

Foreign Transaction Fee

The Southwest Premier Card has a 0% foreign transaction fee. This makes it a solid card for earning Southwest points on international spending and travel.