The Southwest Airlines Federal Credit Union is a personal credit card from Southwest Airlines Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 14.75% to 16.75% variable, based on creditworthiness (Prime Rate plus 5.00% to 13.00%, maximum APR 18.00%; Prime Rate 6.75% as of 02/01/2026) after a 0% introductory APR for the first 9 billing cycles on purchases; 0% introductory APR for the first 12 billing cycles on balance transfers introductory rate. Signup bonus: 25,000 bonus points if $2,000 is spent in the first 90 days; 2,500 bonus points if $5,000 is spent in the first 12 months; 2,500 additional points if $10,000 is spent in the first 12 months. Rewards: Earns reward points redeemable for travel, cash back, gift cards and merchandise; limited-time offer valid 10/10/2026 to 12/31/2026: 3 additional points per $1 at electronics stores, Amazon and wholesale retailers and 2 additional points per $1 on flights, hotels/resorts and rental cars.