Chase
Southwest Rapid Rewards® Priority Credit Card
Key Features
| Annual Fee | $229.00 |
| Sign-up Bonus | 60,000 bonus points |
| Rewards Rate | 1x-5x Points |
| Regular APR | 19.24%-27.74% variable APR. |
About this card
The Southwest Rapid Rewards® Priority Credit Card is a highly compelling product, especially for its target audience of frequent Southwest Airlines flyers, earning it a 'Good' overall rating that borders on 'Excellent'. Its strengths are numerous and exceptionally strong: an outstanding rewards program (4.8/5.0) offering 4X points on Southwest purchases, 2X on gas and dining, and a generous 60,000-point sign-up bonus (worth approximately $900). The fee structure is also excellent (4.5/5.0); while the annual fee is $229, it is effectively reduced to a very reasonable net cost (around $41.50) by the $75 annual Southwest travel credit and 7,500 anniversary points. The absence of foreign transaction fees further enhances its appeal for travelers. The card also boasts an excellent reputation (4.6/5.0), backed by Chase and consistently praised by financial experts and loyal users for its clear value proposition and extensive suite of integrated travel benefits like upgraded boardings, free checked bags, and pathways to elite status. These benefits make it an exceptional fit for its intended users who can easily leverage these perks. However, the card has one significant drawback: a very poor APR rating (1.3/5.0). With a variable APR ranging from 19.24% to 27.74% and no introductory APR period, this card becomes very expensive if a balance is carried. This high interest rate is a major detractor, significantly increasing the cost of borrowing for any cardholder who might not pay their balance in full. While the ideal user for a travel rewards card typically pays their statement in full, the high APR remains a considerable risk and limits the card's broader appeal and financial utility for a more general consumer base. The overall rating of 3.9 reflects the card's exceptional value and features for its specific niche, balanced against the significant concern of its high APR, which prevents it from achieving a higher 'Excellent' or 'Exceptional' overall rating.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Extensive travel benefits
- No foreign transaction fees
- Annual bonus points and status boost
- Additional lifestyle benefits
Things to consider
- High annual fee
- High regular APR
- No intro APR period
What this card offers
Sign-up bonuses
- Earn 60,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening.
Rewards
- 4X points on Southwest Airlines purchases
- 2X points at gas stations and restaurants
- Earn 1 point for each dollar spent on all other purchases.
- Earn 5X total points on qualifying Lyft products and services purchased through the Lyft mobile application through 12/31/2027.
Other features
- Complimentary Preferred seat at booking - Select a Preferred seat at booking, at no additional charge, when available.
- First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation can check their bag at no additional cost. Save up to $90 round trip ($45 per bag per trip).
- 7,500 points every year on your Cardmember anniversary.
- Extra Legroom seat upgrade - Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available.
- Spend your way to A-List - Earn 2,500 tier qualifying points (TQPs) toward A-List status for every $5,000 spent in purchases annually accelerating your way to A-List status.
- 10,000 Companion Pass qualifying points boost each year.
- Boarding benefit - Cardmembers and up to 8 additional passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.
- 25% back on inflight purchases
- No foreign transaction fees.
- No change fees.
- Unlimited reward seats with no blackout dates or seat restrictions.
- Your points don't expire, a benefit of the Rapid Rewards program.
- Lost Luggage Reimbursement - Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
- Baggage Delay Insurance - Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
- Extended Warranty Protection - Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
- Purchase Protection - Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Contactless - Just Tap To Pay - For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol.
- Apply for a card, use it the same day - Receive instant access to your card by adding it to a digital wallet, like Apple Pay, Google Pay or Samsung Pay.
- DoorDash - Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. Activate by Dec 31, 2027.
- Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Up to $120 in Instacart credits annually
- $0 delivery fees with 3 months of complimentary Instacart+ and a $10 monthly Instacart credit. Service fees apply.
- Chase Pay Over Time - After purchase: Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
- Chase Pay Over Time - At checkout: Chase Credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time.
Additional Notes
This product is available to you if you do not have a current Southwest Rapid Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card and Employee Credit Card products.