Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
4x
Online shopping
2x
Transit
2x
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
4X on Southwest Airlines purchases
2X on social media and search engine advertising, internet, cable, and phone services
2X on local transit and commuting, including rideshare
1X on all other purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseSouthwest4×
- Online shoppingInternet2×
- Everything elseCable2×
- Everything elsePhone Bill2×
- Everything elseAdvertising2×
- Transit2×
- Everything elseAll Purchases1×
Welcome offer
80,000 points
- Spend $5,000 in 90 days
- Est. value: $800 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Global Entry$100/yr
Get one $100 statement credit for Global Entry or one $85 statement credit for TSA Pre-Check every 4 years.
Benefits
- Upgrades$40/yr
Receive four reimbursements for Business Select upgrades every year.
- Tier Qualifying Points
Earn 1,500 tier qualifying points (TQPs) for each $10,000 spent annually (12 billing cycles). TQPs can help you qualify for A-List status.
- WiFi Credits$8/yr
Receive Inflight WiFi Credits for purchases of WiFi access made with your card. Credits are limited to a total of 365 $8 credits per year.
- Free Checked Bags
First and second checked bags. Weight and size limits apply.
- Anniversary Points
Receive 9,000 Rapid Rewards every year after your anniversary date.
Insurance cover and point awards list by name only. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so they stay out of the totals.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $299 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.