Bank of America Travel Rewards credit card vs. Southwest Rapid Rewards Plus Credit Card
On the criteria below, Bank of America Travel Rewards credit card wins 3 of 4. The verdict depends on which criteria matter to you.
Bank of America Travel Rewards credit card
Bank of America
Southwest Rapid Rewards Plus Credit Card
Chase
Bank of America Travel Rewards credit card wins 3 of 4 criteria here, making it the stronger all-rounder.
Bank of America Travel Rewards credit card wins on first-year math, annual fee, and earning ceiling; Southwest Rapid Rewards Plus Credit Card wins on travel insurance.
Pick the Bank of America Travel Rewards credit card if year-one math is your priority; take the Bank of America Travel Rewards credit card if you want a cheaper card to keep long-term.
Who wins what
3 vs 1- First-year math Bank of America Travel Rewards credit card
Bank of America Travel Rewards credit card wins on bonus value minus annual fee.
- Annual fee Bank of America Travel Rewards credit card
Bank of America Travel Rewards credit card is $99 cheaper to keep.
- Earning ceiling Bank of America Travel Rewards credit card
Bank of America Travel Rewards credit card earns more on its best category (3× vs 2×).
- Travel insurance Southwest Rapid Rewards Plus Credit Card
Southwest Rapid Rewards Plus Credit Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- $99
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- $-99
- Peak earning rate
- 3×
- 2×
- Top categories
- Travel
- Airfare, Gas, Groceries
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Bank of America Travel Rewards Points
- Southwest Rapid Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.