Why consider it: For frequent Southwest flyers who will use the Priority seating and airline benefits throughout the year.
Trade-off: Compare the full annual fee with benefits you use; seating and fare restrictions still matter.
- Annual fee
- $229
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,125Total$1,125Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,125
- Welcome offerEarn 90,000 bonus points after $3,000 in purchases within the first 3 months from account opening. Current holders of a personal Southwest card and anyone who received a new-cardmember bonus on a personal Southwest card in the last 24 months are excluded; business and employee cards are outside this family rule. Public issuer offer checked October 29, 2026.
- 90,000 points
on Chase's website
- Features
- Issuer
- Chase
- Network
- Program
- Southwest Rapid Rewards
- Fees and terms
- Annual Fee
- $229/yr
- Min. annual income
- —
- Interest rates
- Purchases
- 19.49 %
- Foreign transaction fee
- 0 %
Issuer terms
- Earn 90,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
- 7,500 anniversary points each year.
- Earn 4 points per $1 spent on Southwest Airlines® purchases, including flights, inflight, and Southwest gift cards.
- Earn 2 points for every $1 you spend at gas stations and restaurants
- First standard checked bag free for the primary cardholder and up to 8 additional passengers on the same reservation, with the primary holder’s Rapid Rewards number attached; Southwest-operated flights only. Authorized users and employee cards do not receive this benefit independently. Oversize/overweight fees can still apply.
- Preferred seat selection at booking and unlimited Extra Legroom upgrades within 48 hours before departure, subject to availability.
- The primary holder and up to 8 passengers on the same reservation board with Group 5, or earlier if otherwise eligible, on Southwest-operated flights with assigned seating.
- No foreign transaction fees.
- Member FDIC. Issuer source checked October 26, 2026: https://creditcards.chase.com/travel-credit-cards/southwest/priority . Annual fee $229; no foreign transaction fees. The offer excludes current holders of a personal Southwest Rapid Rewards card and anyone who received a new-cardmember bonus on a personal Southwest card within the last 24 months; business and employee cards are excluded from that family rule. Conditions vary by application channel. 7,500 anniversary points and 2,500 tier qualifying points per $5,000 in eligible purchases in 2026. Starting January 1, 2027, Southwest says eligible card purchases will earn 1 tier qualifying point per $1; this future change is separate from the 2026 tier-qualifying schedule. It does not make the welcome bonus a tier-status award.
- Rewards
- Rate
- Southwest flights
- 4x
- Gas
- 2x
- Restaurants
- 2x
- Travel insurance
- Coverage
- Delayed Baggage
- $300
- Lost Baggage
- $3,000
- Travel Accident
- $500,000
- Purchase protection
- Coverage
- Purchase Protection
- $500 · 120 days
- Extended Warranty
- +1 year
- Auto Rental Collision (secondary, primary abroad)
- $60,000 · 31 days
Pros
- Welcome bonus of 90,000 points
- 2x at restaurants
Cons
- High annual fee ($229)
Enjoy Premium Perks with the Southwest Rapid Rewards® Priority Credit Card
- 90,000 bonus points after $3,000 in purchases within your first 3 months
- 4X points on Southwest® flights
- 2X points at gas stations
- 2X points at restaurants. General transit, hotel, car-rental, internet, cable and phone purchases earn 1 point per $1; eligible Lyft purchases in the app earn 5 points per $1 in total through December 31, 2027
- 1X point on all other purchases
- 7,500 anniversary points each year
- Preferred seat selection at booking, subject to availability
- Extra Legroom upgrades within 48 hours before departure, when available
- No foreign transaction fees
- $229 annual fee
First standard checked bag free for the primary cardholder and up to 8 additional passengers on the same reservation, with the primary holder’s Rapid Rewards number attached; Southwest-operated flights only. Authorized users and employee cards do not receive this benefit independently. Oversize/overweight fees can still apply. Preferred seat selection at booking and unlimited Extra Legroom upgrades within 48 hours before departure, subject to availability. The primary holder and up to 8 passengers on the same reservation board with Group 5, or earlier if otherwise eligible, on Southwest-operated flights with assigned seating. 7,500 anniversary points and 2,500 tier qualifying points per $5,000 in eligible purchases in 2026.
Issuer source checked October 26, 2026: https://creditcards.chase.com/travel-credit-cards/southwest/priority . Annual fee $229; no foreign transaction fees. The offer excludes current holders of a personal Southwest Rapid Rewards card and anyone who received a new-cardmember bonus on a personal Southwest card within the last 24 months; business and employee cards are excluded from that family rule. Conditions vary by application channel.
