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01 · overview

Southwest Rapid Rewards Plus

by ChasePoints

50,000 points welcome · 2x on airlines · $99/yr

Southwest Rapid Rewards Plus
Annual fee
$99
Per year
Sign up bonus
50K pts
After $1,000 in 3 mo · ≈ $650
Credits
$120
3 credits
Median FICO
Approved
Median income
Approved
Our take

The Plus is the entry point to Southwest's cobranded lineup, and its real draw is the 10,000 Companion Pass qualifying points deposited each year, which shortens the path to a Companion Pass for a $99 annual fee. You also get 3,000 anniversary points, a free first checked bag for you and up to eight passengers on the same reservation, a 10% flight discount code each year, 25% back on inflight drinks and Wi-Fi, and no foreign transaction fees. Earn rates are modest: 2 points per dollar on Southwest purchases and on gas and groceries up to $5,000 a year, then 1x on everything else, so this isn't a card to put heavy spend on. Timing matters right now, because the signup bonus climbed to 80,000 points in late May and fell back to 50,000 after $1,000 of spend in July, which is the offer on the table today. It ranks ninth on our best airline cards list, a fair reflection of a card that earns its keep through Southwest perks rather than points.

Welcome bonus
50K pts
After $1,000 in 3 mo · ≈ $650
Apply now
02 · earn & credits

Earn rates & credits

Earn rates
CategoryRate
Airlines
Southwest Airlines purchases
2x
Gas
Gas stations and grocery stores (first $5,000/year)
on first $5,000/yr, then 1x
2x
Groceries
Gas stations and grocery stores (first $5,000/year)
on first $5,000/yr, then 1x
2x
Everything Else
1x
Estimated value: 1.3¢/point
Credits & rebates
BenefitValue
Anniversary Points Bonus
3,000 bonus points credited to your Rapid Rewards account each year on your account anniversary
3,000 points /yr
Companion Pass Boost
10,000 Companion Pass qualifying points deposited each year by January 31
10,000 points /yr
Instacart Credit
Up to $120 in annual Instacart credits including $0 delivery fees with 3 months of complimentary Instacart+ and a $10 monthly Instacart credit.
$120 /yr
Total annual credits$120
03 · card details

Card details

Regular APR
19.24%–27.74% variable
Foreign transaction fee
None
04 · approval odds

Approval odds

n = 1 · 1 denied
Limited data — n = 1. Charts appear once we have 5+ data points. Submit yours to help. Log in to submit →