The Southwest Airlines Visa credit card is issued by Chase Bank. As with many other credit cards operated by airlines, it has an associated rewards program to encourage customers to use their cards. The Rapid Rewards program allows card owners to earn points on purchases, and these points can then be redeemed against flights with over fifty global carriers.
It is relatively straightforward to apply for a Southwest credit card, and the process can be completed online. There are actually separate cards for business and leisure travelers. Furthermore, customers can upgrade to the Plus or Premier cards. These offer extended benefits, such as two points for every dollar spent with Southwest partners, rather than one.
In terms of how Southwest credit card payments are made online, customers must first set up an account with Chase Online. This will provide them with all of the tools they need to manage their spending and payments each month. Customers can be notified of their monthly balance with paper statements, however it is increasingly the case that people prefer paperless billing, where they are notified of due payments by email. This is a more convenient, as well as a more environmentally friendly, service.
With a Chase Online account set up customers can check their Southwest credit card balance at any time. They can choose to make a minimum payment, a larger amount, or they can pay off the full balance on the card. They can also choose to set up automatic payments to be made on a certain day each month. This is a particularly convenient feature, as failing to make a payment will result in a fine of $15, $25, or $35 being imposed, depending on the amount owed on the card.
Customers who have a Chase Online account can also access their information using a smart phone. They must simply install the Chase Mobile App, after which they can access their account easily and securely, no matter where they are. This app also has the function of allowing customers to make payments towards the balance on their Southwest credit card at any time.
There are several benefits to be gained from owning a Southwest credit card. Perhaps the most enticing is the promotion offering a free flight after the first use of the card. Other benefits to be aware of are as follows:
- Although the credit card can be used for any purchase, points can be accumulated faster by using the card with Southwest Rapid Rewards partners.
- Southwest Rapid Rewards partners include retail stores, restaurants, car hire companies, and hotels. This means that it is very easy to accumulate points quickly.
- Points can be redeemed for free flights, with no blackout periods. In addition, any seat that is available can be reserved.
- In addition to flights, points can be redeemed against hotel stays, car rental, gift cards, or experience packages such as scuba diving or wine tasting.
The Southwest Rapid Rewards credit card can provide a useful way of being rewarded for making necessary purchases, such as filling the car with gas. Points can also be earned by using the card to pay utility bills. As with any other credit card, the terms and conditions should be studied before an application is made. The Annual Percentage Rate is always an important factor, and in the case of the Southwest credit card the APR for purchases is 15.24%.