Southwest Rapid Rewards® Plus Credit Card
Basic Information
Program ID: southwest-rapid-rewards-plus-credit-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 12:05
Last Scraped: 01/15/2026 07:08
Fee Structure
| Annual Fee: | $69.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $69.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Southwest Rapid Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Southwest Purchases, 2x Local Transit & Commuting (including ride-shares), 2x Internet/Cable/Phone Services, 2x Select Streaming Services
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: To be eligible for the sign-up bonus, applicants must not currently hold the Southwest Rapid Rewards Plus Credit Card and must not have received a new cardmember bonus for this specific card in the past 24 months. Additionally, applicants are subject to Chase's 5/24 rule, meaning approval is highly unlikely if more than 5 new credit card accounts (from any issuer) have been opened in the last 24 months. A strong credit history (typically FICO score 700+) and sufficient income are also required for approval.
Maximum Cards Per Issuer: 0
Minimum Spend Interval: 3 months (standard, but specific offers may extend to 6 months)
Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, high cumulative credit limit, rapid application for multiple cards, suspicious spending patterns (e.g., large gift card purchases, cash advances not aligned with income), abuse of referral programs, frequent product changes without genuine card use, bouncing payments, or suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Excellent sign-up bonus often leading to a Companion Pass, valuable for frequent Southwest flyers, includes anniversary points and early bird check-in credits.
Top Negative Feedback:
Annual fee for basic benefits, foreign transaction fees, limited to Southwest Airlines, lower earning rate compared to some general travel cards.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Southwest Rapid Rewards Premier Credit Card
- Chase Southwest Rapid Rewards Priority Credit Card
- Chase Sapphire Preferred Card
Card Value Score: 80.0 / 100
Est. Annual Rewards: $253.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 70% General / 30% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v2024-01-01