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Chase

Southwest Rapid Rewards® Plus Credit Card

TravelAirlineCash BackGasGroceryNo Foreign Transaction Fees

Key Features

Annual Fee$99.00
Regular APR
19.24Min. of (6.75+12.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% variable APR.
Other Fees
No foreign transaction fees.
Read the full review
Best for those with
Good Credit

About this card

Considering the individual ratings and the card's features, the Southwest Rapid Rewards Plus Credit Card receives an overall rating of 2.8. The decent rewards program geared towards Southwest loyalists and the absence of foreign transaction fees are positive aspects. However, the high APR and the annual fee detract from the overall value. Without the reputation analysis, it is difficult to make a more informed decision. The card is best suited for individuals who frequently fly Southwest and can take full advantage of the benefits like free checked bags and anniversary bonuses, offsetting the annual fee. Others may find better value in more flexible travel cards or cards with lower APRs.

2.8
Overall Rating

Pros & Cons

What's great

  • Generous sign-up bonus
  • High rewards rate on Southwest purchases
  • No foreign transaction fees
  • First checked bag free
  • Anniversary bonus
  • 10% Flight Discount

Things to consider

  • Annual fee
  • High regular APR

What this card offers

Sign-up bonuses

  • Earn 50,000 bonus points after you spend $1,000 in the first 3 months from account opening.

Rewards

  • 2 points: You'll earn 2 points for each $1 spent on purchases made directly with Southwest Airlines, including flight, inflight, Southwest gift cards, and Southwest Vacations or Getaways by Southwest packages.
  • Until December 31, 2025, you'll earn 2 points for each $1 spent on Southwest Cruises purchases and on purchases at participating Rapid Rewards hotel and rental car partners.
  • 2 points: You'll earn 2 points for each $1 of the first $5,000 spent each account anniversary year on combined purchases in the following rewards categories: gas stations and grocery stores. After $5,000 is spent, you go back to earning 1 point for each $1 spent, with no maximum.
  • 2 points: Until December 31, 2025, you'll earn 2 points for each $1 spent on purchases in the following rewards categories: local transit and commuting; internet, cable, and phone services, and select streaming services.
  • 1 point: You'll earn 1 point for each $1 spent on all other purchases.
  • 1 point on balance transfers: You'll earn 1 point for each $1 of the first $10,000 of balance transfers made during the first 90 days from your original account open date.

Other features

  • First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost. Save up to $70 round trip. For a family of 4 this would be a savings of up to $280 round trip ($35 per bag per trip).
  • Complimentary Standard seat - Select a Standard seat within 48 hours prior to departure valued, on average, at $50 round trip, when available - for a group of 4, this could mean an average savings of up to $200 round trip. For flights operating with assigned seating in 2026 and beyond.
  • 3,000 points every year on your Cardmember anniversary.
  • 10% Flight Discount - Receive a 10% promo code each year on your Cardmember anniversary (Excludes Basic fare).
  • 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. For flights operating with assigned seating in 2026 and beyond.
  • 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.
  • 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. Activate by Dec 31, 2027. Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
  • Chase Pay Over Time - 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 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.

Ratings

3.8
3.5
3.8
1.5
3.5