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Side-by-side

Southwest Rapid Rewards Premier vs Mastercard Black Card

Both are travel travel cards. The Southwest Rapid Rewards Premier comes from Chase at $149/yr; the Mastercard Black Card from Barclays (Luxury Card) at $699/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureSouthwest Rapid Rewards PremierMastercard Black Card
Annual fee$149$699
Sign-up bonus55,000 bonus pointsNo public welcome offer
Bonus value (est.)-$0
Min spend to unlock bonus$1,500 in 3 mo$0 in 0 mo
IssuerChaseBarclays (Luxury Card)
Card categorytraveltravel
Best earning category (Travel)3x1x
Transfer partnersNoneNone
Headline benefits
  • 3x on Southwest
  • 6k anniversary points
  • Free first checked bag
  • 15% anniversary promo code
  • $200 airline credit
  • $100 dining credit
  • Priority Pass Select
  • 1.5cpp cash back, 2cpp airfare
Read the full review
Southwest Rapid Rewards Premier
$149/yr · 55,000 bonus points
Read the full review
Mastercard Black Card
$699/yr · No public welcome offer

Editorial take: Southwest Rapid Rewards Premier

The middle tier of the Southwest portfolio after the 2025 refresh. Doubles the anniversary points and bumps the promo code from 10% to 15% vs Plus. Sweet spot for occasional Southwest flyers who don't need the Priority card's $75 travel credit or upgraded boardings.

Editorial take: Mastercard Black Card

The mid tier of the Barclays Luxury Card lineup. The $200 airline + $100 dining credits offset $300 of the $699 AF before lounge value, and the 1.5cpp cash-back rate is the best of the Luxury Card tiers. Still hard to beat Sapphire Reserve or Venture X on transferable-points flexibility, but the all-stainless body and concierge appeal to some.

Common questions

Which card has the bigger sign-up bonus, Southwest Rapid Rewards Premier or Mastercard Black Card?
The Mastercard Black Card has a public bonus (No public welcome offer, worth roughly $0), while the Southwest Rapid Rewards Premier doesn't advertise one right now.
Is the Southwest Rapid Rewards Premier's $149 annual fee worth it compared to the Mastercard Black Card?
At $149/yr, the Southwest Rapid Rewards Premier is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Mastercard Black Card's, pick the one whose perks you'll actually use.
Can I have both the Southwest Rapid Rewards Premier and Mastercard Black Card?
Yes, since they're from different issuers (Chase and Barclays (Luxury Card)) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Southwest Rapid Rewards Premier or the Mastercard Black Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Southwest Rapid Rewards Premier: $1,500 spend in 3 months. Mastercard Black Card: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.