Frequent Miler on the Air The Southwest Debit Card is actually interesting | Coffee Break Ep81 | 12-9-25
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Dec 9, 2025 The Southwest Debit Card surprises with its intriguing benefits, especially for points enthusiasts! Gain insight into its $7 monthly fee and welcome points. Learn how everyday spending can effectively earn Companion Pass points. The 20% off annual promo for families shines as an essential feature. Discover strategies to combine debit and credit card usage for maximum rewards. Plus, timing your application can optimize benefits, making this card a potential game-changer in the world of travel rewards!
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Debit Card That Actually Matters
- The Southwest debit card shifts the usual debit-card blandness by tying rewards into Southwest's ecosystem.
- It pairs modest earn rates with unexpected valuable perks that change its utility for flyers.
Weigh Fee Versus Minimum Balance
- Consider the $7 monthly fee unless you can keep a $2,500 minimum balance to waive it.
- Track the $7,500 daily purchase cap before planning large debit payments like taxes.
Economics Are Modest But Tunable
- Earning is typical for debit cards: 0.5x for most spend and 1x in limited bonus categories.
- Annual spend bonuses can boost average return to roughly 1.5x if you hit $15k.