Chase Southwest Rapid Rewards Plus Credit Card Review

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From Seek Capital - Best for Southwest Flyers

Welcome Offer

Earn 40,000 Bonus Points

Earn 40,000 Bonus Point after you use your new Card to make $1,000 on purchases in your first 3 Months


Earn 2 points for every dollar you spend on Southwest Airlines purchases
Earn 1 points per dollar on every other eligible dollar spent
Receive 3,000 bonus points every cardmember anniversary
$0Checked Bag
Pay nothing for the first two checked bags on Southwest Airline Flights

Chase Southwest Rapid Rewards Plus

Southwest Airlines has partnered with financial leader Chase Bank to present the Rapid Rewards Plus Visa card to clients who want to maximize every dollar they spend while reaping great travel rewards in the process. You can earn 40,000 bonus points within the first few months after opening your account, take advantage of a low annual fee and get more perks than you’ll even be able to count.

Rewards Highlights

  • 2x Points on Southwest Airline Purchases
  • 1x Points on Everything Else

Expert Review

The Pros

  • 2x Points on Southwest Airline Purchases
  • 1x Points on Everything Else

The Cons

  • Has Foreign Transaction Fees
  • Limited to Southwest Airlines

Recommended Credit Profile

Rates & Fees

  • Annual Fee$69
  • Regular APR17.99% to 24.99%
  • Great ForSouthwest AirlinesDiningMore
  • Regular Purchase APR17.99% to 24.99%
  • Regular Balance Transfer APR17.99% to 24.99%
  • Cash Advance APR26.99%
  • Balance Transfer Fee$5 or 5%
  • Cash Advance Fee$10 or 5%
  • Foreign Transaction Fee3%

Pile Up 40,000 Bonus Points in the First Three Months

Southwest Airlines and Chase are offering an amazing deal: If you spend just $1,000 in the first three months you have your Rapid Rewards Plus account, you’ll earn 40,000 points. That’s at least enough points for one free airline ticket — and you really don’t have to change your spending habits to earn it, which is incredible.

Think about how quickly $1,000 adds up: A family of four could easily spend that in a month or two at the grocery store. Add in trips to the gas stations, supplies for all your kids’ activities and everyday necessities for your home and you’ll have spent $1,000 many times over.

Concerned about spending too much money and incurring onerous interest? Simply whip out your Southwest Rapid Rewards card each time you would have used a debit card and then pay off your balance right away. You’ll get all the rewards and none of the debt headache.

Earn Extra Bonuses Every Year You Have Your Card

The extra points don’t end after the first three months. Southwest will reward you every single year you remain a member with the gift of an additional 3,000 bonus points on your cardholder anniversary.

Want some more annual bonuses? You don’t have far to look. Southwest will credit you $75 in travel every year. That’s $6 more than the annual fee you’ll pay ($69/year), which means it’s purely free money to put toward your travels.

Haven’t gotten enough free or upgraded travel yet? Just wait! Southwest also offers cardmembers the opportunity to upgrade their boarding four times every year. That’s huge — get the seat you want each time you fly! And for every $10,000 you spend on your card each year, you’ll get 1,500 tier qualifying points toward A-List and A-List Preferred status. Your next trip will be awesome with all these perks!

Earn Points Year-Round on Everyday Purchases

Earning tons of points each year is easy with the Chase Southwest Rapid Rewards Plus card. Here’s a breakdown of how much you’ll earn and when:

  • Southwest Airline Purchases: Earn 2 points for every $1 spent
  • Rapid Rewards Car & Hotel Partner Purchases: Earn 2 points for every $1 spent
  • Anything else you could possibly buy: Earn 1 point for every $1 spent
  • Southwest Inflight Purchases: Earn 20 percent back on every $1 spent

Let’s do some quick math to see how that all adds up. If you begin using your Southwest card for just a portion of your normal purchases — say, $800 in groceries per month, $200 in gas and $500 in incidentals — that adds up to $1,500 per month. Those purchases will net you 1 point per dollar, or 1,500 points per month. Multiply that by a year’s worth of purchases and you have $18,000 and 18,000 points. That’s a good chunk of a free ticket.

Now, let’s look at your travel. Say you buy a $300 ticket from LA to Texas, rent a car for a week for another $300 and spend $600 on your hotel, all booked through Southwest and its partners. That’s another $1,200 plus 2,400 points. Now let’s say you do that every other month for your job. Hello, 14,400 points. You’ve paid for another good chunk of a ticket.

And if your travels happen to take you overseas, you can use your card without worry. Southwest won’t charge you any foreign transaction fees whenever you use your Rapid Rewards Plus card.

You can earn even more when you automate your monthly expenses by charging them to your card — water, gas, cable, cell phone and more. And don’t forget to check the website periodically for deals Southwest and Chase may run to earn even more points with select partners!

Spend Your Southwest Rapid Rewards Points How You Like

Think you can only redeem your points for free Southwest flights? Think again! You can do a mind-bending number of things with those points, like:

  • Put them towards your next cruise
  • Get international flights through Southwest partners
  • Book hotel stays throughout the world
  • Buy gift cards to use for your own purchases or to give away

We love that when you use your Southwest points for travel, you’ll never have to face blackout dates, won’t have to deal with seating restrictions and never pay change fees if your plans need to be altered, and your Bags Fly Free®. Always.

Also, you can further extend your points by watching them add up towards Companion Pass. That means that any time you travel, the friend you designate can fly with you for zero airline charges for an entire year. They’ll only have to pay nominal taxes and airport fees — no big deal.

For consumers who love travel, the Southwest Rapid Rewards Plus Visa from Chase can provide ongoing benefits, freedom to use the card how and when you like and amazing rewards to fuel your adventures around the globe. Supercharge the points you already earn whenever you buy Southwest tickets and use this card for your everyday routine and special purchases.

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