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Pros & Cons
Pros
- +Welcome Bonus: 50,000 points
- +Purchase protection included
Cons
- –Foreign Transaction Fee (3%)
Our Review
Boost Your Southwest Rewards with the Southwest Rapid Rewards® Plus Credit Card
- 50,000 bonus points after $1,000 in purchases within 3 months
- 2X points on Southwest® flights
- 2X points on local transit, rideshares, internet, cable, phone and select streaming
- 1X point on all other purchases
- 3,000 anniversary points each cardmember anniversary
- 2 EarlyBird Check‑In® credits per year
- Points never expire and no blackout dates
- 3% foreign transaction fee
- $69 annual fee
Ideal for Southwest loyalists seeking solid ongoing rewards without a high fee, this card combines a generous welcome bonus with elevated earning on flights and everyday services. Track your points, book flights and manage EarlyBird Check‑In® credits seamlessly in the Southwest app.
Terms apply. Bonus points after qualifying spend. Foreign transaction fee applies. See full terms for details.
Rewards
All Spending
1x
Southwest Rapid Rewards pts per dollar
Groceries
2x
Southwest Rapid Rewards pts per dollar
Gas
2x
Southwest Rapid Rewards pts per dollar
Southwest flights
2x
Southwest Rapid Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
40,800
Southwest Rapid Rewards/yr
Estimated Value
$408
After Fees
+$309
1st Year Value
$809
incl. welcome bonus
Breakdown
Perks & Benefits
Priority Boarding
Included
Additional Benefits
- First checked bag free for the Cardmember and up to eight additional passengers on the same reservation, a saving of up to $90 round trip.
- Boarding benefit: the Cardmember and up to eight additional passengers on the same reservation board with Group 5.
- 3,000 points every year on your Cardmember anniversary.
- 10% flight discount promo code each year on your Cardmember anniversary, excluding Basic fare.
- 10,000 Companion Pass qualifying points boost each year.
- 25% back as a statement credit on Southwest Airlines inflight drink and WiFi purchases.
- Up to $120 a year in Instacart credits, $10 monthly, plus a complimentary three-month Instacart+ membership.
Travel Insurance
Delayed Baggage
Up to $300
Lost Baggage
Up to $3,000
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Up to $500 / 120 days
Extended Warranty
+1 years
Auto Rental Collision (secondary, primary abroad)
Up to $60,000 / 31 days
Fees and interest rates
- Annual Fee$99
- Foreign currency conversion fee3%
Terms & Conditions
Card Features
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 3,000 anniversary points each year.
- Earn 2X points on Southwest® purchases.
- Earn 2X points on local transit & commuting (including rideshare).
- Earn 2X points on internet, cable & phone services; select streaming.
- 2 EarlyBird Check-In® each year.
- Earn 1 point per $1 on all other purchases.
- Member FDIC
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Chase. All trademarks are property of their respective owners.