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Kevin Joey Chen is a credit cards writer at finder.com. He's passionate about helping you get your finances in order and travel the world like a pro. He's taken an extended trip around Europe as a digital nomad, gaining firsthand experience with exchange rates, ideal (and not-so-ideal) credit and debit cards, foreign transactions and budgeting strategies. He earned his BA from UC Davis and has written across many niches at Finder, including cryptocurrency, personal loans, car insurance, real estate and money transfers.
With an annual fee, the card could use a few more perks such as priority boarding or an annual flight voucher. As a consolation, each Southwest flight comes standard with your first and second checked bag free, plus no change fees. Other airlines are all too happy to charge for these.
The card is a solid choice if you’re a frequent Southwest flyer. You’ll earn accelerated points on all Southwest Airlines purchases. And you can pad your rewards with an annual point bonus.
Signup bonus: 40,000 Rapid Rewards points. To earn this bonus, make $1,000 in purchases within the first 3 months of card membership.
Plus, you’ll earn an additional 20,000 points after spending $12,000 in the first 12 months.
How much are 40,000 Rapid Rewards points worth?
Southwest points are worth an average of 1.6 cents each according to our valuation at the time of writing. This means 40,000 points are worth an average of $640.
What can you get for 40,000 points?
You can get a few one-way flights out of these points. Check out the Wanna Get Away award fares and you might find:
Award cost for one-way flight using Wanna Get Away
Travel and purchase coverage. When you make eligible purchases with your card, you’ll be protected by lost luggage reimbursement, baggage delay insurance, extended warranty protection and purchase protection.
I see a Travel with Transfarency benefit on the card page. Is that a card-exclusive perk?
On the Southwest Rapid Rewards® Plus Credit Card page, you’ll see benefits like $0 first and second checked bags, $0 change fees and no hidden fees.
Register for an online account. You can register your card at the Chase website. Use your online account to check your balance and pay your bill.
Set up automatic payments. Automatic payments can help you avoid late fees and potential decreases to your credit score.
Avoid fees and interest. Late- and returned-payment fees can be as high as $39.
After the close of each billing cycle, you’ll have at least 21 days to pay off your balance. If you do, you won’t be charged interest. To take advantage of this grace period, you must have started the billing period with a zero balance.
Contact customer service. If you have issues with your card, call Chase Card Services at 800-792-0001.
How do I redeem points from the Southwest Rapid Rewards® Plus Credit Card?
After each billing cycle, Chase will automatically transfer your points to your Southwest Rapid Rewards account. Log in to your Rapid Rewards account on the Southwest Airlines website. You have a variety of redemption options for your Rapid Rewards points, including:
Wanna Get Away flights will typically give you the best value on your points. For these fares, your points will usually be worth an average of 1.6 cents each.
The Southwest Rapid Rewards® Plus Credit Card travels light on features. But to Southwest’s credit, the airline charges nothing in change fees or your first and second checked bags.
The points will post to your Rapid Rewards account within eight weeks.
No. You can earn unlimited points.
Points won’t expire as your card account remains open. If the account is closed, your points will expire unless you earn rewards from flights or partner spending at least once every 24 months.
If you book with Rapid Reward points, there are no blackout dates.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
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