Which card is better: Southwest Plus or Xbox?

The best card depends on your spending habits and goals. See our detailed comparison above for rewards rates, annual fees, and benefits side-by-side.

Which card has lower fees: Southwest Plus or Xbox?

Southwest Plus has a $99/yr annual fee and Xbox has a $0/yr annual fee.

Which card has a better signup bonus: Southwest Plus or Xbox?

Southwest Plus offers not currently disclosed and Xbox offers not currently disclosed. Check current offers on each issuer's website for latest terms.

Is the Southwest Plus or Xbox better for travel?

See the rewards and benefits comparison sections above for travel earning rates, lounge access, and travel protections for each card.

Southwest Plus vs Xbox

Southwest Plus

$99/yr

6.0/10

Xbox

$0/yr

7.0/10

Quick Answer

Southwest Plus charges $99/yr with 1X base rewards. Xbox charges no annual fee with 1X base rewards. Xbox offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.

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Winner by Category

Annual Fees

Xbox

Lower annual fee ($99 vs $0)

Rewards Earning

Southwest Plus

6 earning categories

Benefits & Protection

Southwest Plus

0 benefits vs 0

Flexibility

Tie

Both cards have similar redemption flexibility

OUR PICK

Xbox wins for most people

The $99 fee difference is hard to justify unless you maximize premium benefits.

Apply for Xbox

PREMIUM PICK

Southwest Plus wins for heavy spenders

If you can offset the higher fee with credits and perks, this card delivers more value.

Apply for Southwest Plus

Rewards Earning: Detailed Comparison

Southwest Plus

Southwest purchases	2.0X
Hotel & car rental partners	2.0X
Local transit & commuting	2.0X
Streaming services	2.0X
Internet, cable, phone	2.0X
Everything else	1.0X