Southwest Rapid Rewards® Plus Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
15.99% ‐ 22.99% (Variable)
Balance Transfer
15.99% ‐ 22.99% (Variable)
Rewards
1 - 2 points
Signup Bonus
65000 points (after spending $2,000)


8.3/10
Informr score
The Southwest Rapid Rewards® Plus Credit Card currently has an Informr score of 8.3 out of 10. This score is based on our evaluation of 14 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Southwest Rapid Rewards® Plus Credit Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Credit Card Insider

The Southwest Rapid Rewards® Plus Credit Card can be pretty rewarding, if you fly with Southwest Airlines. The bulk of its value comes from the ability to expedite the unlocking of a Companion Pass, and earning more points to fund your travels. It’s probably best used as a beginner travel card, as i...

- Evan Zimmer, Credit Card Insider
ValuePenguin

The Southwest Rapid Rewards® Plus Credit Card is a good choice for occasional flyers because of its simplicity and low annual fee. Keep in mind this card isn’t the best for international travelers as there is a foreign transaction fee. However, this card can go from “good” to “great” if you use it t...

- Brett Holzhauer, ValuePenguin
Cardcruncher

Even for Southwest fans, the Southwest Plus Card isn’t that impressive. If you’re looking for ways to earn Rapid Rewards points, consider one of the more valuable co-branded cards from the airline, or the Chase Sapphire Preferred®. You can earn just as many points for booking Southwest flights on a...

- Ben Luthi, Cardcruncher
One Mile at a Time

The Southwest Plus Card is a good entry-level credit card for someone who wants to earn Rapid Rewards points without paying a high annual fee.

- Ben, One Mile at a Time
FinanceBuzz

The Southwest Airlines Rapid Rewards Plus Card is designed for travelers who enjoy booking flights with the budget airline. If you fly on Southwest at least a couple of times a year, you could quickly rack up rewards for future travel. Southwest offers several different credit card options, but the...

- Kat Tretina, FinanceBuzz

Details


Interest Rates
Regular APR Interest Rate 15.99% ‐ 22.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 15.99% ‐ 22.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $69.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus 65000 points after spending $2,000

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel 2 points per $1 spent

Spent on Southwest Airlines purchases.

Pharmacy No
Bills No
Additional Details

Receive 3,000 bonus points after your cardmember anniversary

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Lost Luggage Reimbursement
  • Baggage Delay Insurance
  • Bags fly free
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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