Capital One Platinum Credit Card vs. Southwest Rapid Rewards Priority Credit Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Capital One Platinum Credit Card
Capital One
Southwest Rapid Rewards Priority Credit Card
Chase
Capital One Platinum Credit Card and Southwest Rapid Rewards Priority Credit Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Capital One Platinum Credit Card wins on first-year math and annual fee; Southwest Rapid Rewards Priority Credit Card wins on earning ceiling and travel insurance.
Pick the Capital One Platinum Credit Card if year-one math is your priority; take the Capital One Platinum Credit Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Capital One Platinum Credit Card
Capital One Platinum Credit Card wins on bonus value minus annual fee.
- Annual fee Capital One Platinum Credit Card
Capital One Platinum Credit Card is $229 cheaper to keep.
- Earning ceiling Southwest Rapid Rewards Priority Credit Card
Southwest Rapid Rewards Priority Credit Card earns more on its best category (4× vs 0×).
- Travel insurance Southwest Rapid Rewards Priority Credit Card
Southwest Rapid Rewards Priority Credit Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- $229
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- $-229
- Peak earning rate
- —
- 4×
- Top categories
- —
- Airfare, Gas, Dining
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- —
- 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.