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The Platinum Card® from American Express vs Southwest Credit Card

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Platinum is an excellent charge card for frequent travelers. How does it compare to Southwest Credit Card from Chase, an airline credit card? Read our comparison chart below.

Charge Card vs Credit Card: The Platinum Card® from American Express is a charge card while Southwest Rapid Rewards Premier Credit Card is a credit card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

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The Platinum Card® from American Express

Southwest Rapid Rewards Premier Credit Card

 Personal Charge CardPersonal Credit Card
 

Card Interest Rates & Fees

Purchase APRN/A17.49% to 24.49% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A17.49% to 24.49% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$550 annual fee$99 annual fee
Terms Apply. See Rates & Fees 
 

Card Rewards & Benefits

Introductory Bonus Airline Rewards Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
Introductory Bonus OfferEarn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months. 
Travel RewardsTravel Rewards 
Airline Rewards5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases
Bonus Airline Rewards 6,000 bonus points after your Cardmember anniversary
Hotel Rewards5X Membership Rewards points on prepaid hotels booked on amextravel.com. 
Point RewardsEarn 1 point for virtually every dollar spent. 
Airline Status$200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline. Terms Apply.
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
There are no blackout dates or seat restrictions when you redeem with points. Bags fly free and there are no change fees.
Hotel StatusEnroll for complimentary Marriott Bonvoy Gold Status.
Enroll for complimentary Hilton Honors Gold Status.
Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property. Terms Apply.
 
Airline Transfer PartnersAirline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more. 
 

CreditDonkey® Card Reviews

Pros & ConsPros:
  • Travel benefits
  • 60,000 bonus points after you spend $5000 in first 3 months
  • Concierge service
Cons:
  • $550 annual fee
Bottom LineExcellent charge card for frequent travelers... Read full review
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What Others View

    See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

    Disclaimer: The information for the Southwest Rapid Rewards Premier Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    Southwest Credit Card: Pricing information including interest rates, benefits and fees was obtained on November 25, 2019 from published websites and is believed to be accurate, but not guaranteed.

    Still need help deciding which airline card is better? Read the in-depth reviews below. You may also be interested in comparing American Express Platinum or Chase Sapphire Preferred.


    Articles on The Platinum Card® from American Express


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    Compare American Express Platinum to:

    American Express Gold

    American Express® Gold Card

    Introductory Bonus OfferAirline RewardsPoint RewardsGrocery Rewards
    Annual Fee
    $250
    Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.49% - 24.49% Variable
    Annual Fee
    $95
    American Express Business Platinum

    The Business Platinum® Card from American Express

    Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline Rewards
    Annual Fee
    $595

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    Compare Southwest Credit Card to:


    Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on RewardsNo Limits on RewardsConciergeExtended Warranty$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    17.49% - 24.74% (Variable)
    $0 intro for first year; $95 after that

    Gold Delta SkyMiles
    Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended WarrantyPurchase Protection$0 Fraud LiabilityEmergency Assistance
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    17.24% - 26.24% Variable
    $0 introductory annual fee for the first year, then $95

    Disclaimer: The information for the Capital One® Venture® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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    About CreditDonkey®
    CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

    CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.