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 11.75% to 18.00% 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 12 billing cycles on purchases and balance transfers introductory rate.