Southwest Rapid Rewards Priority Credit Card | finder.com

Southwest Rapid Rewards® Priority Credit Card review – November 2018

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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 Purchases17.99% to 24.99% variable
Balance Transfer APR17.99% to 24.99% variable
Balance Transfer Fee$5 or 5% of the transaction, whichever is greater
Cash Advance Rate26.99% 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
Minimum Age18 years of age
Welcome OfferEarn 40,000 points after you spend $1,000 in the first 3 months of account opening. And earn an additional 20,000 points when you spend $12,000 in the first year.
Reward Value per Dollar1 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.

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. Earn an additional 20,000 points if you spend $12,000 in your first year.

  • 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, 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.

Consider other cards if …

  • You don’t fly often.

    The Southwest Rapid Rewards® Plus Credit Card lets you earn the same number of points. Also, you get first and second checked bags free and you get 3,000 anniversary bonus points. This card only has a $69 annual fee.

  • You fly with other airlines.

    Consider the Platinum Delta SkyMiles® Credit Card where you get to earn 2x miles on Delta purchases and 1x mile on everything else. You get a solid signup bonus, first checked bag free, an annual companion certificate and more.

    Alternatively, if you fly with American Airlines, the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® could be good. You’ll earn 2x miles on AA flights and dining, and 1x miles on everything else. Plus, you get first checked bag free, preferred boarding and more.

  • You want a travel card.

    You might like Venture® from Capital One® as you’ll earn 2x miles on every purchase you make, plus until January 31, 2020 you earn 10x miles on purchases from the Hotels.com Venture site.

    You could also check out the Chase Sapphire Preferred® Card, which offers 2x points on travel and dining purchases, and you can transfer your points in 1:1 ratio to Chase hotel and airline partners.

Compare Chase Sapphire Preferred® Card vs. American Express® Gold Card

Compare travel credit cards

Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
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.
1 miles
17.74% to 26.74% variable
$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 Hilton Honors Bonus Points with the Hilton Honors Card after you use your new Card to make $$1,000 in eligible purchases within the first 3 months of Card Membership.
3 points
17.74% to 26.74% variable
$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
50,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1 points
See Rates & Fees
$250
50,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
2 miles
17.99%, 21.99% or 24.99% variable
$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 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
1 points
None (Charge Card)
$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 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
3 points
17.74% to 26.74% variable
$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 bonus miles after spending $500 in purchases on your new Card in your first 3 months.
1 miles
17.74% to 26.74% variable
$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
75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
2 points
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
1 points
16.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1 points
16.99% variable
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
2 points
16.99% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.

Compare up to 4 providers

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

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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