Southwest Rapid Rewards Plus Credit Card
| Annual fee | $99 Fact |
| Foreign transaction fee | None |
| Rewards currency | points |
| Est. point value | 1.25¢ Estimate |
Last updated Oct 18, 2026
Checked Oct 18, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
5-year best: 85,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Oct 2021 to Oct 2021 · 7 days | 40,000 points | $1,000 |
| Oct 2021 to Feb 2022 · 3 mo | 50,000 points | $2,000 |
| Feb 2022 to Jun 2022 · 4 mo | 40,000 points | $1,000 |
| Jun 2022 to Aug 2022 · 2 mo | 75,000 points | $5,000 |
| Aug 2022 to Dec 2023 · 16 mo | 50,000 points | $1,000 |
| Dec 2023 to Jan 2024 · 1 mo | 75,000 points | $3,000 |
| Jan 2024 to Oct 2024 · 9 mo | 50,000 points | $1,000 |
| Oct 2024 to Jan 2025 · 3 mo | 85,000 points Best | $3,000 |
| Jan 2025 to Mar 2025 · 2 mo | 50,000 points | $1,000 |
| Mar 2025 to May 2025 · 3 mo | 30,000 points | $4,000 |
| May 2025 to May 2026 · 12 mo | 50,000 points | $1,000 |
| May 2026 to Jul 2026 · 2 mo | 80,000 points | $1,000 |
| Jul 2026 to now · 3 mo | 50,000 points | $1,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Groceries | 2x | points | $5,000/yr |
| Gas and EV charging | 2x | points | $5,000/yr |
| Brand purchases | 2x | points | No cap |
| Everything else | 1x | points | No cap |
Recurring credits
Estimated value| One $10 credit per month in the Instacart App for active Instacart+ members, valid on one purchase of $10 or more on Instacart.com, from 5/1/2025 through 12/31/2027. Shared across the account
|
$120/yr (Monthly) |
| $10 off each calendar quarter at checkout on one qualifying non-restaurant DoorDash order for DashPass members through 12/31/2027. Shared across the account
|
$10/yr (one-time/annual) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsPrimary Cardmember and up to 8 passengers on the same reservation board with Group 5, giving earlier access to overhead bins.
No change fees on Southwest flights; fare difference may apply.
10,000 Companion Pass qualifying points boost each calendar year.
Primary Cardmembers can select a Standard seat within 48 hours prior to a flight's scheduled local departure, when available, for themselves and up to 8 additional passengers on the same reservation.
First checked bag free for Cardmembers and up to 8 additional passengers on the same reservation; saves up to $90 round trip ($45 per bag per trip).
12 months of complimentary DashPass for use on DoorDash and Caviar when activated between 02/01/2025 and 12/31/2027; auto-renews at then-current monthly rate after.
Covers eligible new purchases for 120 days from date of purchase against damage or theft, up to $500 per item.
Extends the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from date of purchase.
Reimburses up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
Three (3) months of complimentary Instacart+ membership when activated between 5/1/2025 and 12/31/2027; auto-renews at $99/year after.
Rapid Rewards points don't expire, a benefit of the Rapid Rewards program.
Unlimited reward seats with no blackout dates or seat restrictions.
Receive a 10% promo code each year on your Cardmember anniversary, excluding Basic fare.
3,000 bonus points each account anniversary year.
Earn 20,000 bonus points for each friend or business that gets approved for any Southwest Rapid Rewards Credit Card, up to 100,000 bonus points per year.
Authorized users on the Southwest Plus
Card factsAuthorized users are free.
Each authorized user gets
- Baggage delay insurance
- Complimentary DashPass membership
- Extended warranty protection
- Lost luggage reimbursement
- Purchase protection
Shared across the account
- Back on inflight purchases
- DoorDash quarterly non restaurant discount
- Monthly instacart credit
Primary cardmember only
- Anniversary points bonus
- Companion Pass qualifying points boost
- Complimentary standard seat selection
- First checked bag free
- Group 5 boarding benefit
News on this card
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