Southwest Rapid Rewards® Premier Credit Card

Chase Visa Premier Pending

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Benefits

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Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

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

Issuer: Chase

Card Name: Southwest Rapid Rewards® Premier Credit Card

Card Type: Credit

Network: Visa

Card Tier: Premier

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 12:05

Last Scraped: Jan 15, 2026 07:10

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: Rapid Rewards Points

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x Southwest Purchases, 2x Local Transit & Commuting, 2x Internet/Cable/Phone Services & Select Streaming Services

Quarterly Rotating: No

Expiration Policy: Rapid Rewards points do not expire as long as your account is open and in good standing, or you have qualifying activity.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None (Rapid Rewards is a standalone program)

Redemption Penalties: None (standard fare differences apply for changes/cancellations)

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: Bonus points will post to your Rapid Rewards account within 6 to 8 weeks after you have met the spending requirement. In practice, they often post much sooner, typically within a few days of the statement closing date following the spend.

Fee Structure
PENDING
Annual Fee: $99.00
Year 1 Waived: No
Effective Annual Fee: $99.00
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
690 - 850
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Applicants for the Southwest Rapid Rewards Premier Credit Card must meet several eligibility requirements. The primary rule is Chase's '5/24 Rule,' meaning applicants are generally ineligible if they have opened 5 or more personal credit cards from any issuer (including Chase) in the past 24 months. Additionally, applicants are not eligible for the new cardmember bonus if they currently hold any Southwest Rapid Rewards personal credit card or have received a new cardmember bonus for any Southwest Rapid Rewards personal credit card in the past 24 months. To qualify for the welcome offer, a specified minimum spend must typically be met within the first 3 months of account opening. General eligibility requires applicants to be 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a good to excellent credit history. While Chase does not publish a strict maximum number of cards per individual, internal credit exposure limits may apply.

Max Cards Per Issuer: 10

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across Chase accounts, rapid application for multiple cards (especially outside 5/24), abuse of welcome offers (e.g., applying for the same card too frequently), suspicious spending patterns (e.g., large, round numbers, gift card purchases), not paying bills on time, or defaulting on other Chase products.

Cliff Effect Rules: Southwest Rapid Rewards Personal Card Family Rule: You are not eligible for the new cardmember bonus if you currently have any Southwest Rapid Rewards personal credit card or have received a new cardmember bonus for any Southwest Rapid Rewards personal credit card in the past 24 months. This rule applies across all personal Southwest Rapid Rewards cards (Plus, Premier, Priority).

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.2 / 5.0

Top Positive:
Excellent for Southwest loyalists, valuable sign-up bonus, anniversary points, free checked bags, and potential for Companion Pass.

Top Negative:
Annual fee, limited to Southwest ecosystem, foreign transaction fees, not ideal for non-Southwest flyers.

Approval Experience: 78.0 / 100

Recommended Alternatives
  • Chase Southwest Rapid Rewards Priority Credit Card
  • Chase Sapphire Preferred Card
  • United Explorer Card

Card Value Score: 85.0 / 100

Est. Annual Rewards: $602.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: January 2024