Southwest Rapid Rewards® Plus Credit Card
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How we calculate effective rate →
The Southwest Rapid Rewards® Plus Credit Card from Chase earns up to 2.8% effective value on dining in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: Earn 80,000 bonus points after you spend $1,000 in the first 3 months from account opening..
- Top category
- Dining
- Effective value
- 2.8%
- Annual fee
- $99
Best for dining-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
What does the Southwest Rapid Rewards Plus Credit Card earn in each category?
Dining is the strongest category at 2.8% effective value (2x miles at about 1.4 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Southwest Rapid Rewards Plus Credit Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals.
Dining is the strongest category at 2.8% effective value (2x miles at about 1.4 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Southwest Rapid Rewards Plus Credit Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x miles | 2.8% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1.4% |
| Gas Gas stations and fuel | 2x miles | 2.8% |
| Travel Flights, hotels, transit | 1x miles | 1.4% |
| Other General everyday spend | 1x miles | 1.4% |
Madeen values Southwest Rapid Rewards at about 1.4 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Southwest Rapid Rewards Plus Credit Card reward caps and conditions?
The Southwest Rapid Rewards Plus Credit Card has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 2 points for each dollar spent at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year. Capped at $5000 per year.
Who should get the Southwest Rapid Rewards Plus Credit Card?
The Southwest Rapid Rewards Plus Credit Card fits spenders who put meaningful volume in dining and can earn 2x miles. Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Southwest Rapid Rewards Plus Credit Card fits spenders who put meaningful volume in dining and can earn 2x miles. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2.8% effective (2x miles).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
- Southwest Rapid Rewards value depends on how you redeem, not straight cash back.
What is the Southwest Rapid Rewards Plus Credit Card welcome bonus?
In Madeen's catalog snapshot, the Southwest Rapid Rewards Plus Credit Card welcome offer is Earn 80,000 bonus points after you spend $1,000 in the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 80k Southwest Rapid Rewards (~$1120 estimated)
- Terms (catalog snapshot)
- Earn 80,000 bonus points after you spend $1,000 in the first 3 months from account opening.
- Minimum spend
- $1,000
- Window
- 3Months
Does the Southwest Rapid Rewards Plus Credit Card have an annual fee?
The Southwest Rapid Rewards Plus Credit Card has an annual fee of $99 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
What travel perks does the Southwest Rapid Rewards Plus Credit Card include?
The Southwest Rapid Rewards Plus Credit Card includes Free checked bag, 10% Flight Discount, Baggage Delay Insurance, Boarding benefit in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Free checked bag
First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation. For a family of 4 this would be a savings of up to $280 roundtrip ($35 per bag per trip)
What benefits come with the Southwest Rapid Rewards Plus Credit Card?
Extended Warranty Protection
$10,000/yrExtends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Purchase Protection
$10,000/yrCovers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
DoorDash
$3,600/yrGet one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Lost Luggage Reimbursement
$3,000/yrIf you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Baggage Delay Insurance
$300/yrReimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
First Checked Bag Free
$280/yrfor Cardmembers and up to 8 additional passengers in the same reservation. For a family of 4 this would be a savings of up to $280 roundtrip ($35 per bag per trip).
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Related encyclopedia topics
Common questions about the Southwest Rapid Rewards Plus Credit Card
Where do cardholders spend most with the Southwest Rapid Rewards Plus Credit Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (2x), fast food (2x), other food and drink (2x) for the Southwest Rapid Rewards Plus Credit Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is the Southwest Plus credit card worth it?
The Southwest Rapid Rewards® Plus Credit Card from Chase earns up to 2.8% effective value on dining in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: Earn 80,000 bonus points after you spend $1,000 in the first 3 months from account opening..
Does the Southwest Rapid Rewards Plus Credit Card have an annual fee?
The Southwest Rapid Rewards Plus Credit Card carries an annual fee of $99 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Southwest Rapid Rewards Plus Credit Card?
Dining is the strongest Madeen category for the Southwest Rapid Rewards Plus Credit Card at about 2.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Southwest Rapid Rewards Plus Credit Card charge foreign transaction fees?
The Southwest Rapid Rewards Plus Credit Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Southwest Rapid Rewards Plus Credit Card welcome bonus?
The Southwest Rapid Rewards Plus Credit Card welcome offer in our snapshot: Earn 80,000 bonus points after you spend $1,000 in the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
How does the Southwest Rapid Rewards Plus Credit Card compare to similar cards?
Compare the Southwest Rapid Rewards Plus Credit Card against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Southwest Rapid Rewards Plus Credit Card This card | Dining | 2.8% | $99 |
Chase | Dining | 4.5% | $95 |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure