Southwest Rapid Rewards® Priority Credit Card

Chase Visa Priority Pending

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Benefits

0

Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

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

Issuer: Chase

Card Name: Southwest Rapid Rewards® Priority Credit Card

Card Type: Credit

Network: Visa

Card Tier: Priority

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 12:07

Last Scraped: Jan 15, 2026 07:12

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: 3x

Categories: 3x Southwest Purchases, 2x Local Transit & Commuting, 2x Internet/Cable/Phone, 2x 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: 1x

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

Redemption Penalties: None (Points are flexible for Wanna Get Away fares)

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

75,000

Points/Miles

Requirement: Spend $5,000 in 90 days

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

Expires: Mar 31, 2026

Fee Structure
PENDING
Annual Fee: $149.00
Year 1 Waived: No
Effective Annual Fee: $74.00
Authorized User Fee: $0.00
Penalty APR: 0.00%
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

Approval Criteria & Requirements
PENDING
Credit Score Requirements
700 - 850
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

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.

Max Cards Per Issuer: 7

Min 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.

Cliff Effect Rules: The primary 'cliff effect' rule for the Southwest Rapid Rewards Priority card is the **Southwest Personal Card Bonus Rule** (as detailed in IssuerRulesText). This means that if you have received a bonus on *any* personal Southwest card (e.g., Plus, Premier, Priority) within the last 24 months, you are ineligible for a bonus on this card. This rule prevents 'churning' multiple personal Southwest card bonuses in quick succession. There is no similar restriction for business Southwest cards in relation to personal cards, allowing for strategies like obtaining one personal and one business card for Companion Pass qualification.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.1 / 5.0

Top Positive:
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:
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: 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

Approval Probability: 70.0%

Version Control
PENDING

Version ID: v2023.10