Southwest Rapid Rewards® Plus Credit Card
The Southwest Rapid Rewards® Plus Credit Card offers 2X points on Southwest purchases, an annual bonus of 3,000 points, and a sign-up bonus of 50,000 points after spending $1,000 in the first three months.
Last checked on September 19, 2026. We may earn a commission when you click through.
Southwest Rapid Rewards® Plus Credit Card
Updated 18 days agoYou'll be redirected to creditcards.chase.com
Annual Fee
$69
APR
22.99%
This card is ideal for frequent Southwest flyers who value earning points on airline-related purchases. However, the high APR range of 21.49%-28.49% can be a disadvantage for those carrying a balance.
Card details
The Southwest Rapid Rewards® Plus Credit Card offers 2X points on Southwest purchases, an annual bonus of 3,000 points, and a sign-up bonus of 50,000 points after spending $1,000 in the first three months.
💡 Honest Take: While the Southwest Rapid Rewards® Plus Credit Card offers attractive bonuses, it comes with a hefty annual fee and high-interest rates. Users should consider their spending habits; if you don’t frequently fly Southwest, the rewards might not outweigh the costs.
Pros
- ✓ Earn 2X points on Southwest purchases
- ✓ 50,000 bonus points after spending $1,000 in first 3 months
- ✓ Annual anniversary bonus of 3,000 points
- ✓ No foreign transaction fees
- ✓ First checked bag free for cardholders
Cons
- ✗ High APR of 21.49%-28.49%
- ✗ Annual fee of $99
- ✗ Limited rewards outside of Southwest-related purchases
- ✗ Requires good to excellent credit for approval
- ✗ Points expire after 24 months of inactivity
Best For: This card is tailored for frequent Southwest Airlines travelers looking to maximize their rewards through airline-specific purchases.
Watch Out: The high APR may create costs for those who carry a balance, making it less ideal for occasional users.
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What Customers Say
Cardholders appreciate the rewards structure and travel benefits, but some express concerns about the high annual fee and interest rates.
Expert Review
Our team analyzed the Southwest Rapid Rewards® Plus Credit Card and found its rewards structure appealing for dedicated travelers. With 2X points on Southwest purchases and a generous sign-up bonus of 50,000 points, it rewards loyal customers effectively. However, the annual fee of $99 and a relatively high APR ranging from 21.49% to 28.49% can deter those who may not pay off their balance in full each month.
cardholders benefit from perks such as the first checked bag free and an anniversary bonus of 3,000 points. Yet, the points earned are primarily tied to Southwest Airlines and its partners, limiting flexibility for those who fly with other airlines. If you don’t fly Southwest regularly, the rewards may not provide significant value.
In terms of customer experience, some users report challenges with the card's online management interface. Therefore, it’s your travel habits against the costs. The card is those committed to using Southwest for their travel needs, as the benefits are heavily tailored to frequent flyers.
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 …
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