Southwest Rapid Rewards Premier Credit Card

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. The 3x on Southwest and 2x on grocery and dining (capped at the first $8,000 a year combined) are modest, so the value really lives in the 6,000 anniversary points, the free first checked bag for you and up to eight people on your reservation, and the 10,000 Companion Pass qualifying points each year. The catch is that almost all of that only pays off if you fly Southwest regularly, so this is a card for loyalists rather than a flexible travel earner.

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Southwest Rapid Rewards Premier Credit Card card art

Annual fee

$149

$12.42/mo equivalent
Limited-time offer

85,000 points

≈$1,105 at our valuation

after $2,000 in 3 months

Elevated promotion. Not the standard offer.
Recommended credit

700-780

Median 730. See why →

Earning rates

on Southwest Rapid Rewards

3x

Airfare

Southwest purchases only
2x

Dining

First $8,000/yr combined
2x

Groceries

First $8,000/yr combined
1x

Other
1x

Everything else

Benefits and credits

Travel credits and perks

1,500 Tier Qualifying Points per $5,000 Spent
10,000 Companion Pass Qualifying Points Boost
15% Flight Discount
25% Back on Inflight Purchases
6,000 Anniversary Points Each Year
Complimentary Preferred 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.

4 data points reviewed

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Delta SkyMiles Gold is the right Delta cobrand for cardmembers who fly Delta a few times a year and check bags.

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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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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.