Southwest Rapid Rewards Priority Credit Card

The Southwest Priority is the top of Southwest's personal cobrand lineup, and it earns its $229 fee on the strength of two recurring perks rather than premium travel coverage. The 7,500 anniversary points and the free first checked bag for the Cardmember and up to eight companions on the same reservation pay back real money for anyone who flies Southwest a few times a year, and the card stacks 4X on Southwest purchases on top. The catch is that the value is almost entirely tied to Southwest itself, so a flyer who is loyal to the airline comes out ahead while everyone else is paying a fee for benefits they will rarely touch.

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Southwest Rapid Rewards Priority Credit Card card art

Annual fee

$229

$19.08/mo equivalent
Limited-time offer

90,000 points

≈$1,170 at our valuation

after $3,000 in 3 months

Elevated promotion. Not the standard offer.
Recommended credit

700-790

Median 740. See why →

Earning rates

on Southwest Rapid Rewards

4x

Airfare

Southwest purchases only
2x

Dining

Restaurants only
2x

Gas

Gas stations only
1x

Other
1x

Everything else

Benefits and credits

Travel credits and perks

10,000 Companion Pass Qualifying Points Boost
25% Back on Inflight Purchases
5X Points on Lyft
7,500 Anniversary Points Each Year
Complimentary Preferred Seat at Booking
Extra Legroom Seat Upgrade
First Checked Bag Free
Group 5 Boarding
Spend Your Way to A-List

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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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.

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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.