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.

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✓ 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
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Southwest Rapid Rewards® Plus Credit Card

Visa · cashback

Our Verdict

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.

What it really costs

Annual fee $69
APR Range 22.99% – 29.99%

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Who it's 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.

The good and the not so good

  • 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
  • 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

In-Depth 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.

Summary

The Southwest Rapid Rewards® Plus Credit Card from Chase offers 2X points on Southwest purchases and a sign-up bonus of 50,000 points after spending $1,000 in the first 3 months, with an annual fee of $99.

What cardholders say

Cardholders appreciate the rewards structure and travel benefits, but some express concerns about the high annual fee and interest rates.

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