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 Aug 30, 2026
Checked Aug 30, 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 |
|---|---|---|
| Aug 2021 to Oct 2021 | 40,000 points | $1,000 |
| Oct 2021 to Feb 2022 | 50,000 points | $2,000 |
| Feb 2022 to Jun 2022 | 40,000 points | $1,000 |
| Jun 2022 to Aug 2022 | 75,000 points | $5,000 |
| Aug 2022 to Dec 2023 | 50,000 points | $1,000 |
| Dec 2023 to Jan 2024 | 75,000 points | $3,000 |
| Jan 2024 to Oct 2024 | 50,000 points | $1,000 |
| Oct 2024 to Jan 2025 | 85,000 points Best | $3,000 |
| Jan 2025 to Mar 2025 | 50,000 points | $1,000 |
| Mar 2025 to May 2025 | 30,000 points | $4,000 |
| May 2025 to now | 50,000 points | $1,000 |
Historical levels reconstructed from periodic snapshots of public offer pages; short-lived offers between samples may be missing. 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. | $120/yr (Monthly) |
| $10 off each calendar quarter at checkout on one qualifying non-restaurant DoorDash order for DashPass members through 12/31/2027. | $10/yr (one-time/annual) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsNo change fees on Southwest flights; fare difference may apply.
10,000 Companion Pass qualifying points boost each calendar year.
First checked bag free for the primary Cardmember and up to 8 additional passengers on the same reservation, saving 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.
Cardmembers and up to 8 additional passengers in the same reservation will board with Group 5, giving earlier access to overhead bins.
Receive a 10% promo code each year on your Cardmember anniversary, excluding Basic fare.
Select a Standard seat within 48 hours prior to departure, when available.
3,000 bonus points each account anniversary year.
News on this card
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Article Aug 30, 2026Now on The Points Pro: 10 new cards
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