Southwest Rapid Rewards Plus card review | finder.com

Southwest Rapid Rewards® Plus Credit Card review

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Southwest Rapid Rewards® Plus Credit Card

Earn unlimited points on all purchases and make the most of flying Southwest

  • Get this card if… you frequently fly Southwest Airlines and want to earn rewards.
  • Good to excellent credit score of 670 to 850 recommended.
Product NameSouthwest Rapid Rewards® Plus Credit Card
Card TypeVisa
Annual Fee$69
APR (Annual Percentage Rate) for Purchases18.24% to 25.24% variable
Introductory Purchase APR

N/A

Balance Transfer APR18.24% to 25.24% variable
Introductory Balance Transfer APR

N/A

Balance Transfer Fee$5 or 5% of the transaction, whichever is greater
Cash Advance Rate27.24% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 21 days
Late Payment Fee$37
Returned Payment Fee$37
Additional Cardholder Fee$0
Rates & FeesRates & Fees
Minimum Age18 years of age
Welcome Offer40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open
RewardsEarn 2x points on Southwest Airlines® purchases and 1x points on all other purchases
Base Rewards1x points
Rewards Points ExpirationNever

The Southwest Rapid Rewards® Plus Credit Card comes with an annual fee of $69, but it offers some valuable perks in return. You’ll earn a signup bonus of 40,000 points when you spend $1,000 on purchases in the first three months. On each account anniversary, you’ll earn 3,000 bonus points. And you’ll also enjoy the overall benefits of flying Southwest: no blackout dates or seat restrictions, two free bags at check-in and no change fees.

The Basics

The Southwest Rapid Rewards® Plus Credit Card is designed for frequent Southwest Airlines travelers. You’ll earn 2x points on all Southwest and qualifying Rapid Rewards purchases as well as 1x points on your everyday spending. Redeem rewards for free flights, seat reservations and more.

An alternative airline credit card: Gold Delta SkyMiles® Credit Card from American Express

  • Earn 30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
  • Earn 2 miles on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on Delta flights - that's a savings of up to $200 per round trip for a family of four.
  • Want even more flexibility? Pay with Miles is a card member feature that gives you the option to redeem miles for all or part of the price of your tickets on Delta.com.
  • Settle into your seat sooner with priority boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms apply.
Read less
Read more
See Rates & Fees
Promoted

The Perks

If you frequently fly Southwest Airlines, you can easily make the $69 annual fee worth it.

  • Sign-up bonus. To qualify for the 40,000-point sign-up bonus, spend $1,000 on purchases in the first three months from account opening.
  • Anniversary bonus. To get 3,000 bonus points on your account anniversary each year, you simply need to keep your account active.
  • Earn reward points. Earn 2x points on purchases directly with Southwest Airlines, includes airline tickets, in-flight amenities, vacations package and gift card purchases, as well as at participating Rapid Rewards hotel and rental car partners. Earn 1x points on all other purchases.
  • Travel benefits. Redeem your points for Southwest seats without worrying about blackout dates or travel restrictions. Your first and second checked bags fly for free. In the event of rescheduling, no change fees apply.

What to watch out for

  • Annual fee. While $69 is only slightly higher than average, paying it won’t do you much good if you don’t fly Southwest Airlines.
  • Foreign transaction fees. If you want a card that you can use overseas, you’re better off looking for a card that comes with no foreign transaction fees.
  • No intro APR. All outstanding balances start attracting interest from the first billing cycle.
  • No airport lounge access. Unlike several other airline frequent flyer credit cards, the Southwest Rapid Rewards® Plus Credit Card offers no airport lounge access.

Compare travel credit cards

Name Product Welcome Offer Rewards Annual Fee
50,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
30,000 miles after spending $1,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 points after spending $1,000 in the first 3 months
7x points on direct purchases within the Hilton Honors portfolio. 5x points at US restaurants, US supermarkets and US gas stations. 3x points on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
70,000 miles after spending $5,000 in the first 90 days
2x miles on all purchases
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
60,000 points after spending $5,000 in your first 3 months
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
125,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x points at US restaurants, US supermarkets and US gas stations and 3x points on all other purchases
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
Earn 3x points on travel — or 4x points if you’re a PenFed Honors Advantage member — and 1.5x points on all other purchases
$0
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
20,000 bonus LifeMiles after first card use
2x miles on Avianca purchases, 1x miles on all other purchases. Plus a 15% discount on purchases of miles with Multiply Your Miles
$59
20,000 bonus LifeMiles after first card use
40,000 bonus LifeMiles after first card use
3x miles on Avianca purchases, 2x miles at gas stations and grocery stores and 1x miles on all other purchases. Plus 15% discount on purchases of miles with Multiply Your Miles
$149
40,000 bonus LifeMiles after first card use
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 1x points when redeemed for airfare through the Luxury rewards program.

Compare up to 4 providers

Southwest Rapid Rewards® Priority Credit Card

What you should know before applying

Apply for the Southwest Rapid Rewards® Plus Credit Card if:

  • You’re at least 18 years old.
  • You’re a U.S. citizen or permanent resident.
  • You have a valid Social Security number.

What credit score should I have?

To have a better chance at approval, a good to excellent credit score of 670 or higher is recommended.

How do I apply for the Southwest Rapid Rewards® Plus Credit Card?

To apply for the Southwest Rapid Rewards® Plus Credit Card, you’ll need to provide personal and financial details that include:

  • Your full name and contact information
  • Your Social Security number and date of birth
  • Your gross annual income and monthly housing payment
  • An existing Rapid Rewards number, if you have one

1. Go to the Southwest Rapid Rewards® Plus Credit Card website and click Apply Now.

Southwest Rapid Rewards Plus Credit Card application process step 1

2. Complete the application with your personal information like your Social Security number, email address, phone number, birthday and mother’s maiden name. Click Next.

Southwest Rapid Rewards Plus Credit Card application process step 2

3. Enter your financial information and click Next.

Southwest Rapid Rewards Plus Credit Card application process step 3

4. Enter additional contact information and click Next.

Southwest Rapid Rewards Plus Credit Card application process step 4

5. You can add an authorized user at this point, or simply review your application details and submit.

Southwest Rapid Rewards Plus Credit Card application process step 5

How long will it take for me to be approved?

After you submit an online application, you’ll find out about its status almost immediately. The bank typically sends a letter notifying you of the same in 7 to 10 business days.

I got the card. Now what?

Look forward to the travel benefits and more this card offers, but use it with caution.

  • Monitor account activity. Use Chase bank’s online banking platform to keep track of your spending and payments 24/7.
  • Redeem points. Points earned are automatically transferred to your Rapid Rewards account at the end of each billing cycle. Redeem your points for any seat on any flight, subject to availability. Transferring reward points to another Rapid Rewards member is also an option.
  • Avoid interest. Pay off your outstanding balance in full before each due date to avoid paying interest. Remember that cash advances attract interest from the day of the transaction.
  • Avoid penalties. Late payment and returned check fees can go up to $37.
  • Contact customer service. If you have questions, contact Chase card services at 800-792-0001, on Twitter @ChaseSupport or log in to your account to send a secure email.

Bottom line

It makes sense to get the Southwest Rapid Rewards® Plus Credit Card if you frequently fly Southwest Airlines and want to make your spending work for you. If you’re looking for better travel perks, consider comparing other airline frequent flyer credit cards.
Compare Chase credit cards

Common questions about the Southwest Rapid Rewards® Plus Credit Card

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site