Chase・Visa・No.046
Southwest's top personal card after the 2025 changes: the $75 travel credit is gone, replaced by free checked bags and seat perks. At $229 a year it pays off only if you fly Southwest several times a year.
✓ Annual fee, APR and foreign-transaction fee checked on 2026-10-15 (source: creditcards.chase.com). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.
Best for regular Southwest flyers who check bags and want better seats.
APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.
Yes, $229 a year.
It depends on how often you fly Southwest. The old $75 travel credit is gone, so the value now comes from free checked bags, seat perks and the 7,500 anniversary points.
No, it has no foreign transaction fees.
⚠️ About this data: Where we have checked a card's annual fee, APR and foreign-transaction fee, the page shows the date and the source. Welcome offers, rewards and benefits change often, so the issuer's own site is the final word. Approval is decided by the issuer. Nothing here is financial advice.