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Southwest Rapid Rewards® Priority Credit Card review

The ultimate Southwest Airlines credit card for the frequent flyer.

finder.com’s rating: 4.1 / 5

★★★★★

  • Get this card if you often fly Southwest Airlines.
  • Pick something else if you prefer other airlines or if you want a general travel card.
  • Apply with a good to excellent credit score of 670 or higher.

NEW! Earn 3X points on Southwest® purchases.
NEW! Earn 2X points on local transit and commuting, including rideshare.
NEW! Earn 2X points on internet, cable, phone services, and select streaming.

Rewards

$149

Annual fee

15.99% to 22.99% variable

Purchase APR

670

Minimum Credit Score

Details

Annual fee$149
Welcome offerEarn 40,000 bonus points after spending $1,000 on purchases in the first 3 months your account is open. Plus, now enjoy more benefits and more ways to earn.
RewardsNEW! Earn 3X points on Southwest® purchases.
NEW! Earn 2X points on local transit and commuting, including rideshare.
NEW! Earn 2X points on internet, cable, phone services, and select streaming.
Purchase APR15.99% to 22.99% variable
Balance transfer APR15.99% to 22.99% variable
Minimum Credit Score670
IssuerVisa
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Review by


Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Southwest Rapid Rewards® Priority Credit Card is the high-end Southwest credit card with a $149 annual fee and a generous 7,500 bonus points each year on your credit card anniversary. This is worth around $100, which lowers your card annual fee down to around $50. Add in the $75 annual Southwest credit and the card basically pays for itself. The card also comes with a welcome offer of 40,000 when you spend $1,000 on purchases in the first 3 months.

As for other rewards, you earn 3x points on your Southwest purchases, 2x points on local transit and commuting, 2x points on internet, cable, phone and select streaming services and 1x points on all other purchases.

Despite being the most expensive Southwest credit card, in many ways the Southwest Rapid Rewards® Priority Credit Card is the best choice you can make for your wallet. The card’s anniversary points and $75 travel credit handily cover the annual fee of the card. And while the point earnings aren’t bigger than the Southwest Rapid Rewards® Premier Credit Card, the card does offer 4 upgraded boardings each year when available, which is worth up to $50 a piece for up to $200 in value. Unlike some other top of line travel options, you don’t even have to travel that often to make up the cost of the card. Just a flight or two each year will do the trick.

The overall value and ease of which you can attain this value makes the Southwest Rapid Rewards® Priority Credit Card the go-to option for a Southwest credit card.

How to apply for the Southwest Rapid Rewards® Priority Credit Card

  1. Learn more about how to apply for Southwest Rapid Rewards® Priority Credit Card.
  2. Fill out the application form with all required details.
  3. Review your application and submit.

You must be at least 18 years old, at least 19 years old in Alabama and Nebraska and a US resident.

In your application form, you need to provide your:

  • Full name, residential address and contact information.
  • Social Security number and date of birth.
  • Housing status and monthly rent or mortgage.
  • Annual income.

Southwest Rapid Rewards® Priority Credit Card benefits

  • Signup bonus. Earn 40,000 points after you spend $1,000 in your first 3 months.
  • Rewards points. Earn 3x points on Southwest purchases, 2x points on local transit and commuting purchases, including rideshares, 2x points on internet, cable, phone services and select streaming services, and 1x points on all other purchases.
  • Anniversary points. Get 7,500 bonus points every year on your card anniversary.
  • Complimentary upgraded boardings. When available, get 4 upgraded boardings each year. These upgrades are worth up to $50 each.
  • No foreign transaction fees. You won’t pay any foreign transaction fees when using your card abroad.
  • Annual travel credit. Get $75 in annual Southwest credit.
  • 20% back on in-flight purchases. When you buy drinks, movies or Wi-Fi during your flight, get 20% back as a statement credit.
  • No penalty APR. There’s only a fee of up to $39 if you make a late payment. With other cards you could incur a penalty APR of up to 31%.
  • Travel coverage. Get up to $3,000 coverage per passenger on your itinerary in case of lost luggage. Also, if your luggage is delayed for six hours or more you can get reimbursement for essential purchases like toiletries and clothing — up to $100 per day for three days.

Southwest Rapid Rewards® Priority Credit Card drawbacks

  • Annual fee. The card comes with an annual fee of $149. But that pays itself with the annual 50,000 points worth $75 or more and the $75 in annual Southwest travel credit for a total of $150.
  • Different minimum credit lines. Depending on your creditworthiness and other factors, you may get a Visa Signature or a Visa Platinum card. The minimum credit line you can get with the Signature card is , while with the Platinum card you can get a minimum of $2,000 credit line.
  • Signup bonus eligibility. You won’t be eligible for the signup bonus if you already have a Southwest Rapid Rewards Credit Card or if you’ve received a new Southwest cardmember signup bonus within the last 24 months. However, this doesn’t apply if you only have a business or an employee card.

How much rewards can I earn with the Southwest Rapid Rewards® Priority Credit Card?

Where you spend:How much you spend:Points earned:
Southwest Airlines$2,5005,000
Hotel partners$2,5005,000
Car rental partners$1,0002,000
Anniversary bonus points$1497,500
Everything else$5,0005,000
Total$11,14924,500

With similar annual spending, you would earn 24,500 points. With a point value between 0.9 and 1.6 cents for Southwest flights redemption at the time of writing, the total translates to between $240 and $390 in rewards. This is more than enough to redeem for a one-way flight in the US.

Compare travel credit cards

If this card isn’t right for you, compare other travel credit cards on the market. Take into account factors such as a card’s annual fee, APR and the the travel perks you’ll benefit most from.

Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Earn unlimited 2x miles on every purchase, every day
$95
Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months ​from account opening
Capital One Venture X Rewards Credit Card
100,000 miles after you spend $10,000 in your first 6 months of account opening
10x miles on hotel and rental car purchases booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, and 2x miles on every other purchase

$395
Capital One VentureOne Rewards Credit Card
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25x miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel.
$0
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
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Compare up to 4 providers

Southwest Rapid Rewards® Priority Credit Card reviews and complaints.

As of December 2021, the Better Business Bureau rates JPMorgan Chase Credit Card division with an C+, though Chase is not accredited by the bureau. Most customer complaints revolve around poor customer support for the bank in general and for hidden fees. Avoid these issues by reading the card’s terms and conditions.

How do I redeem rewards from the Southwest Rapid Rewards® Priority Credit Card?

You can redeem your Rapid Rewards points for:

  • Southwest flights.
  • Gift cards.
  • Merchandise.
  • Hotel stays.
  • Car rentals.
  • Other packages like spa, cruises and golf trips.

When booking flights, log in to your Rapid Rewards program account at the Southwest website and find the flight you wish to redeem your points for. Submit your information and purchase the flight.

Bottom line

If you’re a frequent Southwest Airlines flyer, the Southwest Rapid Rewards® Priority Credit Card could be a great addition to your wallet. Aside from earning points on Southwest flights, you can earn points on their hotel and car rental partners. Furthermore, the card’s various perks more than make up for the card’s annual fee, leaving the Priority the optimal choice between each of the Southwest credit card options.

But if you feel like there could be a better card for you, check out other travel credit cards and compare your options.

Southwest Rapid Rewards® Priority Credit Card: What’s changed?

12/8/2021Old: Earn up to 100,000 points – 50,000 when you spend $2,000 on purchases in the first 3 months and another 50,000 after you spend $12,000 total in your first 12 months.New: Earn 40,000 points after you spend $1,000 on purchases in the first 3 months.
10/19/2021Old: Earn 40,000 points after you spend $1,000 on purchases in the first 3 months; Earn 2x points on Southwest purchases.New: Earn 50,000 points after you spend $2,000 in your first 3 months and another 50,000 points after you spend $12,000 total in your first 12 months; Earn 3x points on Southwest purchases.Added: Earn 2x points on local transit and commuting, internet, cable, phone services and select streaming; 2 EarlyBird Check-In each year
07/15/2021Old: Earn 65,000 points after you spend $2,000 on purchases in the first 3 months.New: Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn x points on dining, including takeout and eligible delivery services, for the first year.
05/13/2021Old: Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3x points on dining, including takeout and eligible delivery services, for the first year.New: Earn 65,000 points after you spend $2,000 on purchases in the first 3 months.

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