Southwest Rapid Rewards Plus Credit Card Credit Card

Southwest Rapid Rewards Plus Credit Card

Last Updated: 04/06/2026

Rating
4.1 / 5
Sign Up Bonus
50,000 Points
Annual Fee
$99
Credit Score
Good

Summary

04/05/2026: New welcome offer is 50K Points

Sign-Up Bonus
5
Spending Multipliers
3.5
Credits & Features
2.5
Fees
4.5
Application
4
Issuer
NaN

The Chase Southwest Rapid Rewards Plus Card is a travel rewards card designed for frequent Southwest Airlines flyers who want to earn points and enjoy practical travel perks while avoiding foreign transaction fees. Ideal for loyal Southwest customers, the card offers 3,000 annual points, 25% back on in-flight purchases, 10% flight discounts, and a 10,000-point boost toward Companion Pass qualification, along with complimentary standard seats and free checked bags for up to eight passengers. Additional benefits include lost luggage reimbursement up to $3,000 per passenger, baggage delay insurance, and no change fees, making it a convenient choice for flexible travel. Cardholders also enjoy lifestyle perks such as one year of DashPass and $10 quarterly DoorDash credits for non-restaurant orders through December 31, 2027. While the annual fee is not waived in the first year and credits may be incremental, the Southwest Rapid Rewards Plus card is best suited for travelers who frequently fly Southwest, want to maximize points toward Companion Pass, and enjoy straightforward airline rewards with added protections.

Pros

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No foreign transaction fee
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Purchase protection up to $500 per claim and $50,000 per account
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Extended warranty

Cons

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Annual fee not waived in the first year
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Credits may not offset annual fee
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1x catch all category

Issuer

Spending Multipliers

Credits & Features

3,000 annual points
25% back on inflight purchases
10% Flight Discount
10,000 Companion Pass qualifying points boost
Complimentary Standard seat
Free checked bags for up to 8 passengers
No change fees
Unlimited reward seats
1 year DashPass until December 31, 2027
$10 quarterly non-restaurant DoorDash credit until December 31, 2027
Lost luggage reimbursement up to $3,000 per passenger
Baggage delay insurance

Application

  • Chase has a strict 5/24 rule, meaning you will be rejected if you opened 5 or more cards in the past 24 months
  • Welcome bonus is only available if you don’t have any Southwest personal card and did not open a Southwest personal card in the last 24 months
  • Consider having at least a credit history for 1 year
  • Avoid applying for more than 2 Chase cards in 30 days

Fees

  • $99 Annual Fee
  • No Foreign Transaction Fee
  • Up to $40 late fee
  • Up to $40 return payment fee
  • 19.24% - 27.74% Variable APR
  • 28.49% APR for Cash Advance
  • $10 or 5% of each cash advance amount (whichever is greater)
  • 19.24% - 27.74% APR for Balance Transfer
  • $5 or 5% of each transfer amount (whichever is greater)
See Full and Updated Rate & Fee Schedule During Application Process