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Southwest Rapid Rewards® Plus: Worth the $99 Fee?
Earn 50,000 bonus points with a $99 annual fee. Evaluate if Southwest Rapid Rewards® Plus fits your travel habits and spending style.
The Quick Version
The Southwest Rapid Rewards® Plus Credit Card offers 50,000 bonus points after spending $1,000 in the first 3 months. It's best for frequent Southwest flyers who can leverage the 2X points on airline purchases. However, the $99 annual fee and 21.49%-28.49% variable APR could be a drawback if you don't fly often or carry a balance.
Rates shown are representative. Your actual rate depends on your credit profile. This is not financial advice.
Southwest Rapid Rewards® Plus Credit Card
Southwest Rapid Rewards® Plus offers big points but watch the fees.
Fees & Rates
According to Chase, the card has an annual fee of $99. The APR ranges from 21.49% to 28.49% variable, with no introductory APR offer. You earn 2X points on Southwest Airlines purchases and the first $5,000 spent at gas stations and grocery stores per year, then 1X points on everything else. Source
What's Actually Good
The card shines for Southwest loyalists. Earn 50,000 bonus points after a modest $1,000 spend in 3 months. First checked bag free and 3,000 anniversary points add value. The 2X points on Southwest purchases are a solid perk if flying is frequent.
The Catch
The absence of an introductory APR means carrying a balance could get expensive quickly. The 2X points cap at $5,000 for gas and groceries, limiting its rewards potential outside of travel. The $99 annual fee could outweigh the benefits if you're not regularly booking Southwest flights.
This Card Is For You If...
You're a frequent Southwest traveler who spends enough on flights to justify the $99 fee. Ideal if you can pay off your balance monthly to avoid the steep APR. Not suitable for those seeking a general travel card or who rarely fly Southwest.
The Bottom Line
If Southwest is your airline of choice, the Rapid Rewards® Plus card's bonus points and travel perks make the $99 fee worth it. For more options, check out our guide on Top Travel Rewards Credit Cards for Brazilian Travelers.
