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Chase

Southwest Rapid Rewards® Priority Credit Card

TravelAirlineGasDiningNo Foreign Transaction Fees

Key Features

Annual Fee$229.00
Regular APR
19.24Min. of (6.75+12.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% variable APR.
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Best for those with
Good Credit

About this card

The Southwest Rapid Rewards® Priority Credit Card is a decent option for frequent Southwest Airlines flyers, but its value proposition hinges on how well a cardholder can utilize its benefits to offset the $229 annual fee and high APR. The rewards program is strong for Southwest purchases, with 4x points, and 2x points on gas and dining. The signup bonus is attractive, and perks like the anniversary bonus, free checked bag, and priority boarding add value. However, the high APR (19.24% to 29.99%) is a significant drawback, making it expensive to carry a balance. Strengths: - Generous sign-up bonus - High rewards rate on Southwest purchases - Decent rewards on gas and dining - Airline perks - Anniversary bonus - No foreign transaction fees Weaknesses: - High annual fee - High regular APR - Rewards are mostly limited to Southwest ecosystem Considering these factors, the card is best suited for loyal Southwest customers who can maximize the rewards and benefits. For others, the high APR and annual fee might outweigh the benefits, making other travel cards a better choice.

3.1
Overall Rating

Pros & Cons

What's great

  • Generous sign-up bonus
  • High rewards rate on Southwest purchases
  • Rewards at gas stations and restaurants
  • No foreign transaction fees
  • Airline perks
  • Anniversary bonus

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

  • 4X points on Southwest Airlines purchases
  • 2X points at gas stations and restaurants
  • Until December 31, 2025, you’ll earn 4 points for each $1 spent on Southwest Cruises purchases.
  • Until December 31, 2025, you’ll earn 2 points for each $1 spent on purchases at participating Rapid Rewards hotel and rental car partners and on purchases in the following rewards categories: local transit and commuting; internet, cable, and phone services and select streaming services.
  • Earn 1 point for each dollar spent on all other purchases.

Other features

  • Complimentary Preferred seat at booking - Select a Preferred or Standard seat at booking, at no additional charge, valued, on average, at $70 round trip, when available - for a group of 4, this could mean an average savings of $280 round trip. For flights operating with assigned seating in 2026 and beyond.
  • 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).
  • 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. For flights operating with assigned seating in 2026 and beyond.
  • 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. 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
  • 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. 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. 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.

Ratings

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