Southwest Rapid Rewards Premier Credit Card vs. Wells Fargo Reflect Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Southwest Rapid Rewards Premier Credit Card
Chase
Wells Fargo Reflect Card
Wells Fargo
Southwest Rapid Rewards Premier Credit Card and Wells Fargo Reflect Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Southwest Rapid Rewards Premier Credit Card wins on earning ceiling and foreign transactions; Wells Fargo Reflect Card wins on first-year math and annual fee.
Pick the Wells Fargo Reflect Card if year-one math is your priority; take the Wells Fargo Reflect Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Wells Fargo Reflect Card
Wells Fargo Reflect Card wins on bonus value minus annual fee.
- Annual fee Wells Fargo Reflect Card
Wells Fargo Reflect Card is $149 cheaper to keep.
- Earning ceiling Southwest Rapid Rewards Premier Credit Card
Southwest Rapid Rewards Premier Credit Card earns more on its best category (3× vs 0×).
- Foreign transactions Southwest Rapid Rewards Premier Credit Card
Southwest Rapid Rewards Premier Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $149
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- $-149
- +$0
- Peak earning rate
- 3×
- —
- Top categories
- Airfare, Groceries, Dining
- —
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- 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.