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Apply online for Southwest Rapid Rewards® Plus Credit Card
About Our Ratings
Credit Needed
Excellent, Good

Southwest Rapid Rewards® Plus Credit Card Review

Pros & Cons

  • Earn 40,000 points after you spend $1,000 in purchases on your new card in the first three months.
  • Southwest rewards your loyalty with 3,000 bonus points each year on your account anniversary.
  • 2 points/$1 spent on Southwest® and participating Rapid Rewards® Hotel and Car Rental partner purchases.
  • Southwest's market is expanding, but it's limited to mostly domestic locations. If you travel frequently overseas, you may not fly Southwest often enough to offset the $69 annual fee.

Top Features

Rewards
2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases. 1 point per $1 spent on all other purchases.
Bonus Rewards
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months.
Regular APR
18.24% - 25.24% Variable
Annual Fee
$69

Full Review

Amber Stubbs Managing Editor
When Southwest Airlines overhauled its fare structure and its frequent flier program to lure more passengers from traditional carriers, it brought its airline credit card program along for the ride. The Southwest Rapid Rewards® Plus Credit Card doesn't just feature one of the most popular airlines in the business, it boasts some of the most attractive perks for bargain-hunting travelers. A generous signup bonus complements a new reward program that connects travel on Southwest with a network of partner airlines, hotels, and premium service providers.

Welcome Bonus: Earn 40,000 points after you spend $1,000 in purchases on the card in the first three months.

Turning credit card purchases into Rapid Rewards
Longtime Southwest Airlines passengers voiced some frustration when the carrier switched to a more conventional, and potentially confusing, frequent flier program. With the new card, if you've ever redeemed awards on traditional airlines, just replace "miles" with "points" and you'll feel right at home.

With double points for every dollar you spend on Southwest, you can quickly earn enough credit to cover at least some of the cost of your next trip. In addition, you'll earn double points for purchases at a network of preferred retailers and travel providers, including popular hotels and car rental companies. You don't have to wait for your next vacation to redeem your rewards, either. Southwest's partnership with Chase Credit Cards enables Rapid Rewards cardholders to convert points into gift cards or into any of Chase's new "experiential" rewards.

Should you switch to the Southwest Rapid Rewards® Plus Credit Card?
You should consider switching to this credit card if you travel on Southwest more than on any other airline. In fact, the ease of earning travel with this airline credit card might even inspire you to switch your preferred carrier.

You may also save money and earn bonus points with one of Chase's most unusual balance transfer offers. If Southwest's APR is lower than that of your current account, they'll give you a bonus point for every dollar you transfer to your new account.

This page was last updated on February 14, 2019

This card compared to other travel rewards cards

Rewards
2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases. 1 point per $1 spent on all other purchases.
Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases
Bonus Rewards
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months.
Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening.
Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
Regular APR
18.24% - 25.24% Variable
18.24% - 25.24% Variable 
18.24% - 25.24% Variable 
Annual Fee
$69
$95
$95
This card is best for consumers who prefer to fly Southwest and have excellent credit.
CardRatings.com Editorial Staff

Southwest Rapid Rewards® Plus Credit Card details

Balance Transfer Intro APR
N/A
Balance Transfer Intro Period
N/A
Purchase Intro
APR:
N/A
Regular APR
18.24% - 25.24% Variable
Annual Fee
$69

What Chase says about this card

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 3,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • Earn unlimited points that don't expire as long as your card account is open
  • All points earned with either card count towards Companion Pass
  • No blackout dates or seat restrictions
  • Redeem your points for flights, hotel stays, gift cards, access to events and more

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Featured offers
Currently available on the Southwest Rapid Rewards® Plus Credit Card
Earn 40,000 points
After you spend $1,000 on purchases in the first 3 months.
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Apply online for The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

  • Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
  • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Elite status for as long as your account is open and 5 qualifying night credits toward your next tier status every year
  • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card
  • Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Credit Needed:
Excellent, Good
Apply online for United℠ Explorer Card

United℠ Explorer Card

  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✔® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
Credit Needed:
Excellent, Good