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Apply online for Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card Review

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What Chase says about this card

Apply online for Southwest Rapid Rewards® Plus Credit 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.
  • All points earned count towards Companion Pass.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events, and more.

By Amber Stubbs Managing Editor  Updated Nov 12, 2019

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.

Top Features

Rewards Bonus Rewards Regular APR
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 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. 17.74% - 24.74% Variable

CardRatings Editor's Analysis: Pros & Cons

  • Earn 40,000 points after you spend $1,000 in purchases on the 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.

Southwest Rapid Rewards® Plus Credit Card compared to other airline cards

Card Name
Rewards
Bonus Rewards
Regular APR
Ratings/Apply
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 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
17.74% - 24.74% Variable
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. Earn 1 AAdvantage® mile per $1 spent on other purchases.
Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
17.24% - 25.24% (Variable) 
Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations, plus 1 Avios per $1 spent on all other purchases.
Earn up to 100,000 bonus Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.
17.74% - 24.74% Variable 
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
Limited time offer! Earn up to 65,000 Bonus Miles. 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Plus earn an additional 25,000 bonus miles after you spend $10,000 total on purchases in the first 6 months your account is open.
18.24% - 25.24% Variable 
Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases
Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening.
17.49% - 25.49% (Variable) 
This card is best for consumers who prefer to fly Southwest and have excellent credit.

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