Southwest Rapid Rewards Plus Credit Card
Chase · VISA · signature
The Southwest Rapid Rewards Plus Credit Card is a credit card from Chase on the VISA network. It has an annual fee of $99. It earns 2x on groceries, 1x on everything else. The welcome offer is Earn 50,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening.
Key facts
- Annual fee
- $99
- Purchase APR
- 19.24% - 27.74% variable APR
- Network
- VISA
- Welcome offer
- Earn 50,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Groceries | 2x | 2x on gas stations and grocery stores on the first $ |
| Everything else | 1x | 1x on all other purchases |
Benefits and perks
- First checked bag free. 3,000 anniversary points each year. Plus, earn 2X points on Southwest Airlines purchases.
- Earn 50,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening.
- NEW CARDMEMBER OFFER Earn 50,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening. * This product is available to you if you do not have a current Southwest Rapid Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card and Employee Credit Card products.
- EARN REWARDS Earn 2X points Earn 2 points for each dollar spent on Southwest Airlines purchases. * Earn 2 points for each dollar spent at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year. * Earn 1 point for each dollar spent on all other purchases. *
- RAPID REWARDS PERKS Enjoy all the benefits of flying Southwest No change fees. * Unlimited reward seats with no blackout dates or seat restrictions. * Your points don't expire, a benefit of the Rapid Rewards program.
Rates and fees
Annual membership fee: $99. Purchase APR: 19.24% - 27.74% variable APR, based on creditworthiness and the Prime Rate. Balance transfer APR: 19.24% - 27.74% Variable.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Southwest Rapid Rewards Plus Credit Card
What is the annual fee on the Southwest Rapid Rewards Plus Credit Card?
The Southwest Rapid Rewards Plus Credit Card has an annual fee of $99.
What rewards does the Southwest Rapid Rewards Plus Credit Card earn?
The Southwest Rapid Rewards Plus Credit Card earns 2x on groceries, 1x on everything else.
Is the Southwest Rapid Rewards Plus Credit Card worth it?
The Southwest Rapid Rewards Plus Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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