Southwest Rapid Rewards® Plus Credit Card

Chase Visa Standard Pending

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0

Benefits

0

Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: southwest-rapid-rewards-plus-credit-card

Issuer: Chase

Card Name: Southwest Rapid Rewards® Plus Credit Card

Card Type: Credit

Network: Visa

Card Tier: Standard

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 12:05

Last Scraped: Jan 15, 2026 07:08

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Southwest Rapid Rewards Points

Base Rate: 1x

Bonus Rate: 2x

Categories: 2x Southwest Purchases, 2x Local Transit & Commuting (including ride-shares), 2x Internet/Cable/Phone Services, 2x Select Streaming Services

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Points do not expire as long as the account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 0x

Transfer Partners: None

Redemption Penalties: None for standard redemptions; change/cancellation fees are waived for award flights.

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

50,000

Points/Miles

Requirement: Spend $1,000 in 90 days

Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.

Fee Structure
PENDING
Annual Fee: $69.00
Year 1 Waived: No
Effective Annual Fee: $69.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

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.

Max Cards Per Issuer: 0

Min 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.

Cliff Effect Rules: For Southwest personal cards, Chase generally restricts new cardmember bonuses if you have received a bonus on *any* personal Southwest Rapid Rewards credit card in the past 24 months. This rule is critical for Companion Pass strategies, as it prevents earning two personal card bonuses for the pass within a short timeframe.

Holiday Promos: Ad-hoc elevated sign-up bonuses may occur throughout the year, but there are no fixed 'holiday promo periods' for this card.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
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:
Annual fee for basic benefits, foreign transaction fees, limited to Southwest Airlines, lower earning rate compared to some general travel cards.

Approval Experience: 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

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v2024-01-01