SOUTHWEST DEBIT REWARDS CARD

Get a welcome bonus, and earn points to get away.1

Earn 1 point for every $2 you spend on everyday purchases.2
No credit check required.3

Southwest Rapid Rewards Debit VISA

More ways to earn your next trip

Take off with 2,500 bonus points.1

Earn a 2,500-point welcome bonus with two recurring deposits and spend $100 in the first 90 days.

  • 1 point per $1 spent2

    Earn 1 point per $1 spent on eligible Southwest Airlines® purchases and qualifying dining and subscription purchases like cable, internet, streaming services, utilities, and premiums.

  • 1 point per $2 spent2

    Earn 1 point per $2 spent on qualifying everyday purchases.

  • Annual spend bonus4

    Earn up to 7,500 bonus points each year at your anniversary based on your annual net purchases.

  • Yearly 20% promotion code5

    Receive a 20% off promotion code every January and get away for less.

  • Annual $35 statement credit6

    Get a $35 statement credit when you use your Southwest Rapid Rewards® Debit Card on Southwest Airlines purchases.

  • Yearly Companion Pass® point bonus7

    Receive a bonus of 7,500 Companion Pass qualifying points in your Rapid Rewards® account each calendar year.

More partner perks. More points to play with.

Earn more when you shop, stay, and explore with our partners.

  • Points.com Up to 50% off points8

    Receive a special discount when buying Rapid Rewards® points.

    Shop for points
  • Rapid Rewards Shopping® Earn up to 5,000 bonus points*

    Shop gifts and more through 11/23 to earn.

    Shop now
  • Rapid Rewards Dining® Earn points when you dine out

    Earn up to 4 points per $1 spent at participating restaurants when you spend with your Rapid Rewards debit card.9

    Earn points dining
  • Rapid Rewards Hotels® Turn hotel stays into Rapid Rewards® points

    Book from thousands of hotels worldwide and earn points on every stay: the perfect perk for your next getaway.10

    Book & earn now

How to score those sweet 2,500 points:1

  1. Step 1

    Download the Southwest® Debit app to manage your account.

    • Download on the App Store
    • Get it on Google Play
  2. Step 2

    Set up and make two direct deposits.

  3. Step 3

    Spend $100 in the first 90 days.

Spend, earn, vacay, repeat.

The more you use your Southwest Rapid Rewards® Debit Card to shop and earn points, the closer you get to a vacay.

Get started

Frequently Asked Questions

Questions? We’re here to help.

  • Southwest Rapid Rewards® Debit Card Customer Service:

    1-800-615-8230
    Monday–Friday 7:00 a.m.–1:00 a.m. ET
    Saturday–Sunday 8:00 a.m.–8:00 p.m. ET

*During the “Holiday Bonus” offer, which runs from November 1, 2026 at 12:00 a.m. ET through November 23, 2026 at 11:59 p.m. ET (the “Bonus Period”), Rapid Rewards Shopping® Member will earn a one-time bonus of up to 5,000 Rapid Rewards® bonus points on qualifying purchases, in addition to the standard Rapid Rewards points earned from shopping online through Rapid Rewards Shopping. “Qualifying purchases” do not include returns, cancellations, shipping and handling, taxes, gift card, or other cash-equivalent purchases, and certain products that are not eligible for bonus points. Please see the Rapid Rewards Shopping site for details on product eligibility and other restrictions.

This one-time bonus award will be determined using one of the following tiers, based on Member’s cumulative qualifying purchases made during the Bonus Period: Tier one bonus: Earn 500 Rapid Rewards bonus points for qualifying purchases of $100-$399.99; Tier two bonus: Earn 2,000 Rapid Rewards bonus points for qualifying purchases of $400-$799.99; or Tier three bonus: Earn 5,000 Rapid Rewards bonus points for qualifying purchases of $800 or more. Please allow up to 10 weeks after the Bonus Period for Rapid Rewards bonus points to post to your Rapid Rewards account. The Tier three bonus provides the maximum number of points that will be awarded to an eligible Rapid Rewards account. Void where prohibited by law.

All Rapid Rewards rules and regulations apply and can be found at Southwest.com/rrterms. Bonus points will not count toward A-List, A-List Preferred, or Companion Pass® qualification. Southwest® reserves the right to amend, suspend, or change the Rapid Rewards program and/or Rapid Rewards program rules at any time without notice. Rapid Rewards Members do not acquire property rights in accrued points. The number of points needed for a particular Southwest flight is set by Southwest and will vary depending on destination, time, day of travel, demand, fare type, point redemption rate, and other factors, and is subject to change at any time until the booking is confirmed.

1Welcome bonus. You are eligible to receive a one-time bonus of 2,500 points when you satisfy all of the following requirements within 90 days of card account opening:

Qualifying Purchases are all purchases made using the card, excluding any ATM withdrawals, transactions that include cash back at point of sale, quasi-cash or cash-like transactions, peer-to-peer payment app transactions, lottery tickets, casino gaming chips or similar betting transactions, disputed or unauthorized purchases, returns, refunds, adjustments, or fees of any kind, including the monthly fee, if applicable (“Qualifying Purchases”).

The welcome bonus must be earned within ninety (90) days of card account opening. It will be transferred to your Southwest Rapid Rewards® Member Account (“Rapid Rewards® account”) within eight weeks after the 91st day from card account opening, provided your card account is open and in good standing at the time of transfer.

2Ongoing rewards. You can earn points on Qualifying Purchases you make using your card. You will earn one point for every $1 spent directly with Southwest Airlines®, including flight, inflight, Southwest® gift card, Getaways by Southwest™ packages, and purchases made on Southwest.com® or the Southwest Mobile App. Other Southwest Airlines related purchases, such as Southwest Charters and Southwest Cargo® are excluded. You will earn one point for every $1 of Qualifying Purchases spent on dining, and for every $1 of Qualifying Purchases spent on subscriptions (including utilities and streaming services). You will earn one point for every $2 spent on all other Qualifying Purchases. All points earned through the use of your card during a calendar month will be transferred to your Rapid Rewards® account after the close of each card account monthly statement.

We have the right in our sole discretion to determine whether a transaction is eligible to earn points, and have the right to deny points on a transaction that is deemed ineligible.

3No credit check required. Account opening subject to identity verification and application requirements.

4Anniversary bonus. You may receive bonus points based on the Qualifying Purchases you make each account anniversary year. Account Anniversary Year means the year beginning with your account open date through the close of business on the day before the 12-month anniversary of your account open date, and each 12-billing cycle thereafter. Provided your card account is open and in good standing, bonus points will be transferred to your Rapid Rewards account each Account Anniversary Year, as follows:

Annual Qualifying Purchases Bonus Points
$5,000.00 to $9,999.99 2,500
$10,000.00 to $14,999.99 5,000
$15,000.00+ 7,500

5Southwest® 20 percent off Promotion Code. You will receive one 20 percent off Promotion Code each calendar year (“Promotion Code”). The Promotion Code will appear in your Rapid Rewards account each year by January 31 so long as your card account is open, in good standing and linked to an active Rapid Rewards account as of December 31 of the previous calendar year. The Promotion Code will be valid within one year of delivery, the exact date of which will be listed in your Rapid Rewards account. The Promotion Code is not valid on Basic fare bookings. The Promotion Code must be entered into the Promo Code box during checkout and will be applied to the base fare before government taxes and fees. Please note that the Department of Transportation (DOT) requires advertised fares to include all government taxes and fees, however the Promotion Code applies to the base fare only. All flights are subject to taxes, fees, and other government or airport-imposed charges of at least $5.60 per one-way trip. Applicable taxes, fees, and other government or airport-imposed charges can vary significantly based on your arrival and departure destination. The payment of any taxes, fees, and other government or airport-imposed charges is your responsibility and must be paid at the time travel is booked. Fares are subject to change until ticketed. The Promotion Code is not redeemable for cash and may not be used in conjunction with other promotion codes, special offers, or toward the purchase of a gift card or previously booked flight, or change to a previously booked flight. The Promotion Code is only valid for flights booked on Southwest.com and the Southwest mobile app. The Promotion Code is not valid on group travel, Getaways by Southwest™ packages, fares booked via swabiz.com, our Southwest Partner Services API or through Global Distribution Systems, or special fares, such as military and government fares.

6Annual $35 statement credit. A statement credit will be applied to your account when your card is used for Southwest Airlines flight purchases (excludes Upgraded Boarding and inflight purchases) up to a maximum of $35 per calendar year. Statement credit(s) will be applied to your card account balance up to 140 days after your qualifying Southwest Airlines flight purchase posts to your account. The annual $35 statement credit will be issued for the year in which the transaction posts to your account. For example, if you buy a Southwest Airlines flight ticket, but the airline does not post the transaction until after the current calendar year ends, the cost of the ticket will be allocated toward the following calendar year’s annual $35 statement credit.

7Annual 7,500 Companion Pass® points bonus. You will earn one bonus of 7,500 Companion Pass qualifying points each calendar year. The bonus will be deposited into your Rapid Rewards account by January 31 each calendar year or up to 30 days after account opening. Only one card account per person is eligible for one bonus of 7,500 Companion Pass qualifying points per calendar year. Card account must be open, in good standing, and linked to an active Rapid Rewards Account at the time of transfer. You can obtain further details on Companion Pass qualifying points in the Southwest Rapid Rewards account program terms and conditions by visiting www.southwest.com/rrterms.

8Points.com. When the Member purchases the minimum amount of Rapid Rewards® points specified on the landing page once the Member logs in to their account during the Promotion Period, the Member will receive the percent discount on points specified. A valid credit card is required to purchase points. A minimum point-purchase threshold must be met on a per-transaction basis, in order to qualify for the discount. A daily maximum of 60,000 points can be purchased by a Member with no annual maximum. Transactions are nonrefundable and nonreversible. Offer is only valid for Member receiving this email and by clicking on the link within this email during the Promotion Period. Gifted and transferred point transactions are not included in this promotion. Purchased points do not count toward A-List, A-List Preferred, or Companion Pass® qualification. Prices are in U.S. dollars and include all applicable taxes.

Prices for the purchase of points are only valid while a Member is currently logged in to Southwest.com® during the Promotion Period and such prices are subject to change. Please allow up to 72 hours for points to post to the applicable Rapid Rewards account. All Rapid Rewards rules and regulations apply and can be found at Southwest.com/rrterms. Southwest® reserves the right to amend, suspend, or change the Rapid Rewards program and/or Rapid Rewards program rules at any time without notice. Rapid Rewards Members do not acquire property rights in accrued points. The number of Rapid Rewards points needed for a particular Southwest flight is set by Southwest and will vary depending on destination, time, day of travel, demand, fare type, point redemption rate, and other factors, and is subject to change at any time until the booking is confirmed.

9Rapid Rewards Dining. Earn Rapid Rewards® points in addition to the points earned in the Rapid Rewards Dining® program when you use your registered Southwest Rapid Rewards® Debit Card from Sunrise Banks, N.A. Rapid Rewards Dining Members who link a credit or debit card and opt in to receive email communications earn three Rapid Rewards® points per dollar spent dining at participating restaurants and bars. Rapid Rewards Dining Members who link and use their Southwest Rapid Rewards® Debit Card at participating Rapid Rewards Dining restaurants & bars earn an additional 1 point per $1 spent. Rapid Rewards Dining is not affiliated with the Southwest Rapid Rewards Debit Card from Sunrise Bank, N/A.

10Southwest® Hotels. Earn Rapid Rewards® points in addition to the points earned for a hotel booking when you use your registered Southwest Rapid Rewards® Debit Card from Sunrise Banks, N.A. Rapid Rewards Members who use their Southwest Rapid Rewards® Debit Card at Southwest® Hotels website when booking a stay can earn 1 point per $1 spent. Southwest® Hotels website is not affiliated with the Southwest Rapid Rewards Debit Card from Sunrise Bank, N/A.

For more information on terms, restrictions, and applicable fees:
Southwest Rapid Rewards® Debit Card Account Agreement
Southwest Rapid Rewards Debit Card Points Earning Terms

Southwest® is an airline and not a bank. Banking services are provided by Sunrise Banks, N.A., Member FDIC. Your funds are FDIC insured up to $250,000. The Southwest Rapid Rewards® Debit Card is issued by Sunrise Banks, N.A., pursuant to license from Visa™ U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. This card can be used everywhere Visa debit cards are accepted. See the Southwest Privacy Notice for how your information is processed for Rapid Rewards®.

All Rapid Rewards® rules and regulations apply and can be found at Southwest.com/rrterms.

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