Southwest Airlines has launched a new Rapid Rewards debit card, offering travelers a way to earn airline points without a credit check.
The card is issued by Sunrise Banks and requires applicants to open a Southwest Rapid Rewards checking account.
New cardholders receive a 2,500‑point welcome bonus after setting up two recurring direct deposits and spending $100 on purchases within the first 90 days.
Earnings are structured as follows: one point per dollar on eligible Southwest purchases, one point per dollar on qualifying dining and subscription services, and one point per two dollars on all other eligible transactions.
Annual spending thresholds unlock bonus points: $5,000 to $9,999.99 earns 2,500 points, $10,000 to $14,999.99 earns 5,000 points, and $15,000 or more earns 7,500 points.
Cardholders also gain 7,500 Companion Pass‑qualifying points each calendar year, a 20% discount code for Southwest flights in January, an annual $35 statement credit on eligible Southwest purchases, and no ATM surcharges at Cirrus network ATMs.
The card carries a $6.99 monthly fee, waived for customers maintaining an average monthly checking balance of at least $2,500.
While credit‑card holders may enjoy higher rewards and additional travel perks, the debit card targets travelers who prefer debit transactions or lack credit eligibility.
It provides a practical alternative for earning Rapid Rewards points and Companion Pass progress through everyday spending.
Overall, the Southwest Rapid Rewards debit card offers a straightforward, credit‑free option for frequent flyers seeking airline benefits without the complexities of a credit card.
