Southwest Rapid Rewards Plus Review: Solid Rewards for Less
The Bottom Line
3.9
It's a good option for Southwest loyalists who don't care about airline status or side benefits. But it doesn't travel as well as its sibling cards with higher annual fees.
Rates, fees and offers
Rates, fees and offers
Annual fee
$69
Rewards rate
1x-2x
Bonus offer
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Intro APR
N/A
Ongoing APR
APR: 20.49%-27.49% Variable APR
Cash Advance APR: 29.24%, Variable
Penalty APR: Up to 29.99%
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
3% of each transaction in U.S. dollars
More details from Chase
More details from Chase
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 3,000 anniversary points each year.
- Earn 2X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- 2 EarlyBird Check-In® each year.
- Earn 1 point for every $1 spent on all other purchases.
- Member FDIC
Pros and Cons
Pros
Anniversary perk
No reward caps
Cons
Has annual fee
Rewards have limited flexibility
Detailed Review
Update: On March 11, 2025, Southwest announced that two bags will no longer fly free for flights booked on or after May 28, 2025, ending a longstanding and popular policy that had defined the airline. The first checked bag will cost $35 and the second checked bag will cost $45.
However, select Southwest flyers — including those with elite status, Business Select flyers and Rapid Rewards credit cardholders — will still get at least one free bag. Other changes of note for flights booked on or after May 28, 2025:
Southwest will replace its Wanna Get Away fares with a new Basic fare that earns only 2 points per dollar and implement dynamic pricing for award redemptions.
Flight credits will now carry a one-year expiration date, or six months for Basic tickets.
The airline also plans to begin operating flights with seat assignments and extra-legroom seats in 2026, ending its open-seating policy.
Read NerdWallet's story on Southwest's changes for details.
The Southwest Rapid Rewards® Plus Credit Card isn't the flashiest of the three co-branded Chase cards in the Rapid Rewards family, but that doesn't mean it's the black sheep of the clan either.
After all, the three Southwest cards offer the same APR and sign-up bonus, which gives you a nice boost toward earning the coveted Southwest Companion Pass (or during some promotions, a first-year Companion Pass included after required spending.) And since the Southwest Rapid Rewards® Plus Credit Card has the lowest annual fee of all the Southwest cards, why wouldn't it win out every time?
Well, for starters, it doesn't travel as well as its two big siblings, nor is it as generous with side benefits or ongoing rewards rate. And if you're a loyal Southwest customer seeking extra perks when you travel, it could be that the much pricier Southwest Rapid Rewards® Priority Credit Card will still be a better deal for you thanks to the added value you'll get.
Southwest Rapid Rewards® Plus Credit Card: Basics
Card type: Airline.
Annual fee: $69.
Sign-up bonus: Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Rewards:
2 points per dollar spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
2 points per dollar spent on local transit and commuting, including rideshare.
2 points per dollar on internet, cable, phone services and select streaming.
1 point per dollar spent on all other purchases.
NerdWallet values Southwest points at 1.3 cents each. This is a baseline value, drawn from real-world data on hundreds of economy routes, not a maximized value. In other words, you should aim for award redemptions that offer 1.3 cents or more in value from your Southwest points.
Interest rate: The ongoing APR is 20.49%-27.49% Variable APR.
Foreign transaction fee: 3%
Other benefits:
Anniversary bonus of 3,000 points every new cardmember year.
2 EarlyBird Check-In® each year.
Calculate your rewards
To see if the rewards you'd earn on this card would make up for the annual fee, try our calculator:
Compare to Other Cards
Vacation more, spend less. Subscribe to our free newsletter for inspiration, tips, and money-saving strategies – delivered straight to your inbox.
By signing up, you will receive newsletters and promotional content and agree to our Terms of Use and acknowledge the data practices in our Privacy Policy. You may unsubscribe at any time.
Benefits and Perks
Low annual fee
The $69 annual fee is relatively low for an airline card with a healthy sign-up bonus and ongoing bonus rewards on airline purchases. For comparison's sake, the Southwest Rapid Rewards® Premier Credit Card charges a $99 annual fee, and the Southwest Rapid Rewards® Priority Credit Card clocks in at $149 per year.
Generous sign-up bonus
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Extra anniversary points
For each year you keep your card account open, you'll receive an anniversary bonus of 3,000 points. (You can also earn extra points by booking car rentals and hotels through the Rapid Rewards program, or using the Rapid Rewards Shopping portal.)
Drawbacks and Considerations
Fewer perks than other Southwest cards
The Southwest Rapid Rewards® Plus Credit Card earns 3,000 anniversary points, half as many as the Southwest Rapid Rewards® Premier Credit Card. Based on point valuation, the difference in the anniversary bonus is more than enough to offset the difference in annual fees between those two cards, making the Southwest Rapid Rewards® Plus Credit Card the worse deal.
And the Southwest Rapid Rewards® Priority Credit Card offers even more benefits to help defray its hefty $149 annual fee. Every year, Priority cardholders get a 7,500-point anniversary bonus, a $75 Southwest travel credit and four upgraded boardings when available (those are worth $30 to $50 per flight).
Also, the Southwest Rapid Rewards® Plus Credit Card is the only card of the three that doesn't earn tier qualifying points. Those points count toward elite status, known as "A-List" or "A-List Preferred" in Southwest's programs. Benefits of such status include priority boarding and bonus points for flights you pay for.
Here's a look at how the three Southwest consumer cards compare:
| Empty Table Header | Southwest Rapid Rewards® Priority Credit Card | Southwest Rapid Rewards® Premier Credit Card | Southwest Rapid Rewards® Plus Credit Card |
|---|---|---|---|
Annual fee | $149. | $99. | $69. |
Rewards on Southwest purchases | 3 points per $1 spent. | 3 points per $1 spent. | 2 points per $1 spent. |
Rewards on other spending |
| ||
Sign-up bonus | Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. | Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. | Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. |
Anniversary bonus | Earn 7,500 points automatically after your cardholder anniversary each year. | Earn 6,000 points automatically after your cardholder anniversary each year. | Earn 3,000 points automatically after your cardholder anniversary each year. |
Earns tier qualifying points? | Yes (unlimited). | Yes (unlimited). | No. |
Foreign transaction fees | None. | None. | 3%. |
Boarding perks | 4 upgraded boardings per year when available. | 2 EarlyBird check-ins per year. | 2 EarlyBird check-ins per year. |
Southwest travel credit | $75 per year. | None. | None. |
Other cards earn more
The Southwest Rapid Rewards® Plus Credit Card earns 2 points per dollar on Southwest purchases, Rapid Rewards hotel and car rental partner purchases, local transit, rideshare, internet, cable, phone services and select streaming. Those rewards aren't bad, but even the most enthusiastic Southwest flyer might be better off with a card that earns more robust rewards.
For example, the Chase Sapphire Preferred® Card has a $95 annual fee and earns rewards on a variety of useful categories:
5 points per dollar on travel booked through Chase.
3 points per dollar on dining, select streaming services and online grocery purchases.
2 points per dollar on travel not purchased through Chase.
1 point per dollar on other purchases.
Better yet: The rewards you earn with the Chase Sapphire Preferred® Card can be transferred to Southwest.
Foreign transaction fee
The 3% foreign transaction fee makes the Southwest Rapid Rewards® Plus Credit Card a poor choice to use during an international trip. Neither of the pricier Southwest cards charges a foreign transaction fee.
See how this card stacks up against competitors by visiting NerdWallet's roundup of airline credit cards. Also check out our best credit cards page for other offers.
How To Decide If It's Right For You
Frequent Southwest flyers will find a lot to love about the Southwest Rapid Rewards® Plus Credit Card because it offers so many of the same benefits as its higher-end siblings.
Just keep in mind that you won't get the side benefits found on the more expensive Southwest co-branded cards. And if you're seeking a card for use overseas, or one that offers more rewards flexibility, consider other options.
Earn bonus rewards in categories such as travel and dining. Those points are potentially worth more when you redeem them for travel through Chase, and you can also transfer points to partner airlines, including Southwest. Annual fee: $95.
Looking For Something Else?
Methodology
NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.
About the authors
Sara Rathner
Senior Writer/SpokespersonGregory Karp
Senior Writer
