Southwest Rapid Rewards® Priority Credit Card
Basic Information
Program ID: southwest-rapid-rewards-priority-credit-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Priority
Data Complete: Yes
Created: 01/07/2026 12:07
Last Scraped: 01/15/2026 07:12
Fee Structure
| Annual Fee: | $149.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $74.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
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: $75,000.00
Spending Requirement: $5,000.00
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: 3.00%
Bonus Categories: 3x Southwest Purchases, 2x Local Transit & Commuting, 2x Internet/Cable/Phone, 2x 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 (Southwest Rapid Rewards is a standalone program)
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Southwest Rapid Rewards Priority Credit Card bonus in 2026 is subject to several key Chase and Southwest-specific rules: 1. **Chase 5/24 Rule**: Applicants must not have opened 5 or more personal credit card accounts across all issuers in the past 24 months. 2. **Southwest Personal Card Bonus Rule**: Applicants are not eligible for the new cardmember bonus if they currently hold any personal Southwest Rapid Rewards credit card or have received a new cardmember bonus for any personal Southwest Rapid Rewards credit card in the past 24 months. 3. **General Eligibility**: Applicants must have good to excellent credit (typically FICO score 700+), sufficient income to support the credit line, and a low existing debt-to-income ratio. Chase reserves the right to deny applications based on overall credit profile and relationship with the bank.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment of rent/mortgage via credit card with fees, large volume of small transactions), high cumulative credit limit across Chase cards relative to income, rapid application for multiple Chase cards, defaulting on payments, suspicious account activity, or significant changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.1 / 5.0
Top Positive Feedback:
Excellent for frequent Southwest flyers, especially with the Companion Pass potential. Generous annual travel credit and anniversary points help offset the annual fee. Good earning rates on Southwest purchases.
Top Negative Feedback:
High annual fee if not fully utilized. Limited redemption options (only Southwest flights). Earning rates on non-bonus categories are standard 1x. Subject to Chase's 5/24 rule.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Southwest Rapid Rewards Premier Credit Card
- Chase Sapphire Preferred Card
- United Explorer Card
Card Value Score: 88.0 / 100
Est. Annual Rewards: $782.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 70% General / 30% Co-brand
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 70.0%
Terms Version Control
Version ID: v2023.10