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Pros & Cons
Pros
- +Welcome Bonus: 50,000 points
- +Up to 3x on Southwest flights
- +Purchase protection included
Cons
- –High annual fee ($149/yr)
- –No lounge access
Our Review
Fast-Track Free Flights with the Southwest Rapid Rewards® Premier Credit Card
- 50,000 bonus points after $1,000 in purchases in the first 3 months
- 3X points on Southwest® flights
- 2X points on Rapid Rewards® hotel & car rental partners
- 2X points on local transit, commuting, internet, cable, phone & select streaming
- 1X point on all other purchases
- 6,000 anniversary points every account year
- 4 upgraded boardings per year
- No foreign transaction fees
Whether you’re flying for business or leisure, this card accelerates your points balance with top‑tier earnings on flights and everyday expenses. Enjoy a generous sign‑up bonus and annual anniversary points to redeem free flights sooner, plus enhanced travel comfort with upgraded boardings. Earn unlimited tier‑qualifying points on every $5,000 spent to fast‑track A‑List status, and manage your rewards seamlessly in the Southwest® app.
Terms apply. Sign‑up and anniversary bonuses require qualifying purchases. Upgraded boardings subject to availability. See full terms for details.
Rewards
All Spending
1x
Southwest Rapid Rewards pts per dollar
Southwest flights
3x
Southwest Rapid Rewards pts per dollar
Groceries
2x
Southwest Rapid Rewards pts per dollar
Restaurants
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
42,000
Southwest Rapid Rewards/yr
Estimated Value
$420
After Fees
+$271
1st Year Value
$771
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.
- 6,000 points every year on your Cardmember anniversary.
- 15% 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$149
- Foreign currency conversion fee0%
Terms & Conditions
Card Features
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 6,000 anniversary points each year.
- 3X points on Southwest® purchases.
- 2X points on local transit & commuting (including rideshare).
- 2X points on internet, cable & phone services; select streaming.
- 2 EarlyBird Check-In® each year.
- No foreign transaction fees.
- 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.