Chase
Southwest Rapid Rewards® Plus Credit Card
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. |
About this card
Taking into account the provided ratings and reputation analysis, the Southwest Rapid Rewards Plus Credit Card receives an overall rating of 3.2. This indicates a 'Good' card that offers solid value for a specific target audience, but with some notable drawbacks. The strengths of the card lie in its rewards program, particularly for Southwest loyalists, and its reputation as a good entry-level airline card for earning the Companion Pass. The sign-up bonus, ongoing Southwest purchase rewards, and anniversary points contribute to a worthwhile experience, especially when combined with the free checked bag benefit. However, the high APR and the presence of foreign transaction fees, despite it being a travel card, pull down the overall rating. These factors make it less attractive to those who carry a balance or travel internationally. Factoring in the annual fee, the card is best suited for individuals who can maximize the Southwest-specific benefits, offsetting the fee and high APR. Overall, it is a decent card with a focused value proposition and limited appeal beyond the Southwest ecosystem.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on Southwest purchases
- Anniversary bonus points
- No foreign transaction fees
- First checked bag free
- Transfer partners
Things to consider
- Annual fee
- High regular APR
- Limited rewards categories
- Requires good or excellent credit
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
- 2X points on Southwest Airlines purchases and on first $5,000 in combined purchases at gas stations and grocery stores per year
- 1X points on all other purchases
- Earn 2 points for each dollar spent on Southwest Airlines purchases.
- Earn 2 points for each dollar spent at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year.
- Earn 1 point for each dollar 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 bag at no additional cost.
- Complimentary Standard seat - Select a Standard seat within 48 hours prior to departure valued, on average at $50 round trip, when available.
- 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.
- 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, 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.
- Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly payments.
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.