Why I’m canceling my Southwest credit card — and what I’m getting instead
Although I don’t consider myself particularly loyal to any one airline, I've held — and loved — my Southwest Rapid Rewards® Priority Credit Card (see rates and fees) for several years.
The $75 annual flight credit and 7,500 anniversary points bonus (worth $101 by our August 2025 valuations) more than made up for the annual fee, even for a casual Southwest Airlines flyer. Despite the airline’s tumultuous string of changes earlier this year, I still kept the card.
But Southwest’s recent credit card revamp is the last straw.
Here’s why I’m canceling my Southwest card before the new annual fee hits my account, and what other cards I’m considering replacing it with.
Why I’m canceling my Southwest card
Not only is the Priority card's annual fee increasing by more than 50%, from $149 to $229, but the annual $75 flight credit — the card’s most valuable perk, in my view — is disappearing, with nothing to replace it. The credit will no longer be part of the card's benefits after Dec. 31.
This top-tier card doesn’t even include a once-per-year promotional flight discount like the lower-annual-fee Southwest Rapid Rewards® Premier Credit Card and Southwest Rapid Rewards® Plus Credit Card (see rates and fees).
The information for the Southwest Rapid Rewards Premier Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
What does the revamped Priority card offer?
The highlight of the card’s makeover, it seems, is the ability to upgrade to Southwest’s extra-legroom seats (set to debut in 2026) within 48 hours of departure for myself and up to eight companions, when available. This would be worth more if I frequently flew Southwest with a large family, but because it’s usually just me and my partner once or twice a year, it doesn’t seem worth the $229 annual fee.
Plus, because Southwest’s route network is mostly limited to flights within the U.S. and the Caribbean, extra legroom doesn’t make as much of a difference as on, say, a transatlantic flight.
Another new perk: Priority cardholders can earn 2,500 tier qualifying points (up from 1,500) for every $5,000 spent. But with how little I fly Southwest, I’m unlikely to get close to status anyway.
Similarly, the new earning structure, including 4 points per dollar spent on eligible Southwest purchases (up from 3 points per dollar) and 2 points per dollar spent at gas stations and restaurants (up from 1 point per dollar), doesn’t move the needle for me.
Since I have other cards that earn rewards at the same or better rates on dining and gas, I pretty much only use my Priority card for the occasional Southwest ticket, so I don’t see this as an improvement.
As a result, I’m planning to cancel my card before the new annual fee pops up on my card anniversary next spring.
It's clear Southwest is trying to model itself, and its credit cards, on bigger airlines, but it still has a long way to go. In a couple of years, I may consider reapplying for a Southwest credit card, especially if the airline has built stronger partnerships and incorporated more long-haul flights.
Until then, here are the cards I’m considering to fill the hole left in my heart — and my wallet — by my beloved Southwest card.
Related: Are airline credit cards worth it anymore?
United Explorer Card
Since my home base, Denver International Airport (DEN), is a United Airlines hub, a United cobranded card is at the top of my list.
The United℠ Explorer Card (see rates and fees) is comparable to the Southwest Priority, with an annual fee of $150 ($0 for the first year) and a free checked bag for the cardholder and one travel companion.
I could boost my United MileagePlus balance with the 60,000-mile welcome bonus (after spending $3,000 on purchases in the first three months my account is open) and another 10,000 miles if I add an authorized user in the first three months.
Together, those miles are worth roughly $910 based on our August 2025 valuations.
Since I often book short hotel stays, I expect to maximize the card’s up to $100 in annual credits on prepaid hotel bookings through United Hotels, which would help offset the annual fee. I could also make use of the card’s two one-time United Club lounge passes each year.
On the other hand, the rest of the Explorer card’s “coupon-book” style credits — for ride-hailing services (yearly opt-in required), rental cars, JSX and Instacart (through Dec. 31, 2027) — aren’t very useful to me.
Also, because we fly United fairly often, my husband already holds the United Quest℠ Card (see rates and fees).
The Explorer provides some perks that the Quest doesn't, but I'm not sure it makes sense to pay an annual fee for a second United card.
Related: 4 reasons someone in your family needs a United credit card
Delta SkyMiles Gold American Express Card
Delta Air Lines' answer to the United Explorer Card, the Delta SkyMiles® Gold American Express Card, has a $150 annual fee — with a $0 introductory annual fee the first year (see rates and fees) — and a welcome offer of 50,000 bonus miles that can be earned after spending $2,000 on purchases in the first six months of card membership.
Delta SkyMiles’ award rates aren’t great, but this card would give me access to 15% off redemptions and the Pay with Miles feature to help my miles go further.
Add that to the fact that I hold the American Express® Gold Card and earn Amex Membership Rewards points, which can be transferred to SkyMiles at a 1:1 ratio, and this card could make a lot of sense.
Similar to the Explorer card, the SkyMiles Gold provides a free checked bag and up to $100 in statement credits toward Delta Stays prepaid hotel bookings.
The earning rates (2 miles per dollar spent at Delta, restaurants worldwide and U.S. supermarkets; 1 mile per dollar spent on other purchases) are nothing special, but the perks could make this card a useful one to carry long-term.
My only deterrent is the fact that Delta doesn’t have a huge presence at DEN; I’ll need to do some research to see what kind of flights I could book on Delta before I apply.
Related: 5 things you need to know about Delta SkyMiles
Aeroplan Credit Card
Major U.S. airlines aren’t the only ones I’m considering for my next credit card. Air Canada's offering, the Aeroplan® Credit Card (see rates and fees), is also a contender.
One reason is that I can transfer all my currencies to Air Canada Aeroplan at a 1:1 ratio: American Express Membership Rewards points, Chase Ultimate Rewards points and Capital One miles.
Another is that Air Canada is a partner of United, meaning there should be no shortage of award flights out of my home airport.
This card currently offers an attractive 75,000-point welcome bonus after you spend $4,000 on purchases in the first three months your account is open, but the ongoing perks could make it a worthwhile addition to my wallet for years to come.
For a $95 annual fee, I could get valuable discounts on award flights and a free checked bag for myself and up to eight companions.
Plus, I’d get temporary Aeroplan 25K status (and, thus, Star Alliance Silver elite status) for the year in which I open the card and the following calendar year. If I decide to apply for the Aeroplan card, I’ll wait until early 2026 to maximize my temporary status.
Bottom line
The Rapid Rewards credit card revamp might be an improvement for Southwest loyalists, but it disappointed this casual Southwest flyer.
Luckily, there are plenty of alternatives with similar perks and modest annual fees.
If you’re feeling the same way, check out our roundups of the best airline credit cards and the best cards to reach elite status. Then factor in things like your home airport, your credit card transfer partners and your upcoming travel plans before choosing the best one for you.
For rates and fees of the Delta SkyMiles Gold, click here.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.