Get the best Credit Tips at Credit Visionary

Southwest Airlines, understood for its reduced airlines tickets and lax baggage-checking charges, is the third-largest UNITED STATE airline with 3,200 air travels per day and served approximately 134 million clients in 2012. With a rather competitive prices design, regular fliers mightn’t need to request more. But, some Southwest clients may desire more advantages and perks, which can be obtained by selecting one of Southwest’s two branded credit cards.

Southwest is partnered with Chase to release the Southwest Airlines Rapid Benefits Plus and Southwest Airlines Rapid Rewards Premier cards. Both cards are extremely comparable however there are minor distinctions that’ll drive your decision of choosing the right Southwest credit card.

The Rapid Incentives Plus card has a $69 yearly fee, while the Rapid Incentives Premier card has a $99.

Both of them have a 15.24 percent APR (since Nov. 29, 2013) and offer 2 points per $1 spent on Southwest Airlines and AirTran Airways purchases made directly with the airline and on Rapid Incentives hotel and car rental partner purchases. All various other purchases on the cards earn 1 point per $1 invested.

The most significant distinctions between the 2 Southwest cards have to deal with foreign deal costs and yearly membership benefits.

Picking the right Rapid Rewards card

With the Rapid Rewards Plus card, you’ll get 3,000 points on the anniversary of your card subscription.

For an additional $30 per year, the Rapid Incentives Premier card, provides 6,000 points after your subscription anniversary and 1,500 “Tier Qualifying” points for every $10,000 in purchases (up to 15,000 TQPs yearly). And, you don’t have to pay any foreign transactions fees when using the card to spend for purchases overseas.

Due to a varying variety of Rapid Incentives points required to earn incentive flights, it’s difficult to determine the value of the 3,000 extra points per year. The points are worth less if you choose higher-tiered incentive flights.

Meanwhile, Tier Qualifying points are made use of to earn a high membership course under the Rapid Rewards program.

An “A-List” member needs to fly 25 Southwest Airlines one-way flights or earn 35,000 TQPs annually. A-List members get top priority check-in, top priority security lane access, a dedicated phone line, standby top priority and a 25 percent incentive on points made on Southwest flights.

For “A-List Preferred” status, you’ve to fly 50 Southwest Airlines one-way flights or make 70,000 TQPs annually. An A-List Preferred member get booked check-in, complimentary in-flight WiFi and a 100 percent perk on points earned on Southwest air travels, in addition to all the advantages of an A-List member.

The Rapid Incentives Premier card makes it easier for you to climb the condition ladder under the benefits program. If you fly Southwest frequently and desire the advantages of the A-List or A-List Preferred subscriptions, the additional $30 couldn’t seem like much to the included travel advantages, assuming that you’ve the ability to make enough TQPs.

Furthermore, if you use your charge card to make purchases during foreign trips, the additional $30 for the Rapid Benefits Premier card is rewarding when you invest a minimum of $1,000 overseas per year.