Swift

Swift Miles Plus

Swift Miles Plus by Swift

★★★★★4.5

Best for TravelBest for Dining

Annual Fee

$250

Credit Profile

Excellent credit

Reward Style

Miles

Foreign Spend

No foreign transaction fee

First-Year Value Snapshot

Welcome Offer Est.

$700

Perks Value Est.

$500/yr

Annual Fee

$250

Welcome Offer

70,000 points (~$700 est.)

Spend $5,000 in the first 3 months

Estimate only. Real value depends on eligibility and redemption choices.

How You Earn (Miles)

Travel

Dining

All

Perks & Credits

Swift Lounge Access

Unlimited access to Swift Lounges and partner lounges at major airports.

~$300/yr

Annual Travel Credit

$100 statement credit for travel purchases each cardmember year.

Travel Insurance Bundle

Trip cancellation, delay protection, and lost luggage coverage.

~$100/yr

Transfer Partners

Airlines

Swift AirNorthstar Air

Hotels

Grand Stays

What We Like / Watch Outs

Pros

+3x miles on travel and dining
+Lounge access included
+$100 annual travel credit
+Wide airline transfer network

Cons

-$250 annual fee
-Amex acceptance limitations
-1x on non-bonus categories

Rates & Terms

Credit needed: Excellent credit
Intro APR: No intro APR listed
Regular APR: Varies by issuer terms
Foreign transaction fee: None
Network: amex

Rates and offers can change. Confirm final terms on the issuer site before applying.