Southwest Rapid Rewards Plus Credit Card

The Southwest Rapid Rewards Plus is the entry rung of Chase's Southwest cobrand lineup, and at a $99 annual fee it earns its keep on flying habit rather than on broad category spend. The reliable wins are concrete: one free checked bag for the Cardmember and up to eight people on the same reservation, 3,000 anniversary points, and a 10,000-point boost each year toward the Companion Pass, which is the perk that makes the whole Southwest ecosystem worth chasing. The earning is thin away from Southwest itself, just 2x on the airline and a capped 2x on gas and groceries, so the card pays off for someone who flies Southwest a few times a year and would rather not pay for the Priority card's richer credits.

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Southwest Rapid Rewards Plus Credit Card card art

Annual fee

$99

$8.25/mo equivalent
Limited-time offer

80,000 points

≈$1,040 at our valuation

after $1,000 in 3 months

Elevated promotion. Not the standard offer.
Recommended credit

700-780

Median 720. See why →

Earning rates

on Southwest Rapid Rewards

2x

Airfare

Southwest purchases only
2x

Gas

First $5,000/yr combined
2x

Groceries

First $5,000/yr combined
1x

Other
1x

Everything else

Benefits and credits

Travel credits and perks

10% Flight Discount
10,000 Companion Pass Qualifying Points Boost
25% Back on Inflight Purchases
2X Points on Lyft
3,000 Anniversary Points
Complimentary Standard Seat
First Checked Bag Free
Group 5 Boarding Benefit

Purchase and protection benefits

Extended Warranty Protection
Purchase Protection

shopping

Complimentary DashPass
Instacart Credit

$120/year

Travel and purchase coverage

Baggage delay

$300

Secondary coverage
Lost luggage

$3,000

Secondary coverage

Pricing and fees

Full Pricing and Terms

Purchase APR: 19.24% to 27.74%
Foreign tx: None
Penalty APR (cap): 29.99%
Balance transfer: 19.24% to 27.74%; Fee $5 or 5.00%, whichever is greater
Cash advance: 28.49%; Fee $10 or 5.00%, whichever is greater
Late / returned: $40 · $40

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Soft-pull pre-qualification available
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Free
Reports AU to bureaus

Conditional

Reports adult AU activity to all three bureaus; does not report minors (under 18).
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

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Southwest Rapid Rewards Premier Credit Card

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The Southwest Rapid Rewards Premier is the mid-tier card in Chase's Southwest lineup, and the case for it is built less on its earning rates than on the perks that come with carrying it.

$149 annual fee

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Citi Strata Premier Card

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The Citi Strata Premier is Citi's mid-tier transferable-points travel card, and at $95 a year it leans on a broad 3x earning structure rather than perks.

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Blue Cash Preferred Card from American Express

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Blue Cash Preferred is the suburban grocery and streaming card, earning 6% cash back at U.S.

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Sources

Data current as of June 4, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.