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Southwest Rapid Rewards® Priority Credit Card review

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Southwest Rapid Rewards® Priority Credit Card

The ultimate Southwest Airlines credit card for the frequent flyer.

30-second take.

  • 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.
Product NameSouthwest Rapid Rewards® Priority Credit Card
Card TypeVisa
Annual Fee$149
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 FeeNone
Cash Advance Fee$5 or 10% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 21 days
Late Payment FeeUp to $38
Returned Payment FeeUp to $38
Rates & FeesRates & Fees
Minimum Age18 years of age
Welcome Offer40,000 points after you spend $1,000 in the first 3 months of account opening
RewardsEarn 2x points on Southwest® and Rapid Rewards hotel and car rental partner purchases and 1x points on all other purchases.
Base Rewards1x points

The basics

With the Southwest Rapid Rewards® Priority Credit Card you not only earn double points on Southwest flights, but you earn the same points on hotel partners including Marriott, Starwood and World of Hyatt, or car rental partners like National Car Rental, Alamo and Avis. This makes the card a solid points-earning machine if you frequently travel.

The card also comes with a generous signup bonus, anniversary bonus points and Southwest travel credit — enough to make the card’s annual fee worth it.

Another airline credit card

Gold Delta SkyMiles® Credit Card from American Express

  • Limited time offer: Earn 60,000 bonus miles after spending $2,000 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 for every dollar spent on eligible 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 $240 per round trip for a family of four.
  • Settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
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The perks

  • Signup bonus.

    You can earn 40,000 bonus points when you spend $1,000 on purchases in the first three months of opening your account.

  • Reward points.

    Earn 2x points on Southwest flights and purchases at hotel and car rental partners, and 1x points on all other purchases.

  • Anniversary points.

    Get 7,500 bonus points every year on your card anniversary.

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 $2,500 5,000
Hotel partners $2,500 5,000
Car rental partners $1,000 2,000
Anniversary bonus points $149 7,500
Everything else $5,000 5,000
Total $11,149 24,500

With a similar annual spending, you would earn 24,500 points. With a point value between 0.9 and 1.6 cents for Southwest flights redemption as of November 2018, 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.

You’ll also like …

  • 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 $38 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.

What to watch out for

  • Annual fee.

    The card comes with an annual fee of $149. But that pays itself with the annual 7,500 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 $5,000, while with the Platinum card you can get a minimum of $2,000 credit line.

Compare travel credit cards

Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 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.
60,000 miles after spending $2,000 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 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & Fees
75,000 bonus miles and 5,000 MQMs after spending $3,000 in the first 3 months. Plus $100 after making a Delta purchase in the same time
2x miles on Delta purchases and 1x miles for all other purchases
$195
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you make $3,000 in purchases on your new card within your first 3 months. Plus $100 after making a Delta purchase in the same time. Rates & Fees
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x 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

Compare up to 4 providers

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What should I know before I apply?

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.

What credit score do I need?

Having at least a good credit score of 670 when you apply for the card will increase your chances of approval.

Also, if you have Rapid Rewards® number you can provide it in the form.

What do customers say about the Southwest Rapid Rewards® Priority Credit Card?

The Better Business Bureau rates JPMorgan Chase Credit Card division with an A+. 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 to apply for the Southwest Rapid Rewards® Priority Credit Card

  1. Go to the Chase website and find Southwest Rapid Rewards® Priority Credit Card. Click Apply now.
  2. Fill out the application form with all required details.
  3. Review your application and submit.

Get Started Southwest form

How long will it take to get my Southwest Rapid Rewards® Priority Credit Card?

Chase may make an immediate decision on your application. If additional information is required, it can take up to few weeks.

Once approved, expect your card to arrive within seven to 10 days.

I got the card. Now what?

  • Download the Chase Mobile app. Pay your bills, transfer money with Zelle, send wire transfers and more.
  • Avoid interest and fees. Your due date is 21 days after the close of each billing cycle. Make sure you pay your balance by then to avoid late payment fees and high interest rate.
  • Customer service. Call 302-594-8200 and Chase customer service will assist you.

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

Redeem your 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 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, you get a solid signup bonus, annual travel credit, annual bonus points and more.

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

Frequently asked questions

Images: Chase

Disclaimer

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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