Southwest Rapid Rewards® Plus Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
18.24% ‐ 25.24%
Balance Transfer
18.24% ‐ 25.24%
Rewards
1 - 2 points
Signup Bonus
40000 points (after spending $1,000)


8.1/10
Informr score
The Southwest Rapid Rewards® Plus Credit Card currently has an Informr score of 8.1 out of 10. This score is based on our evaluation of 10 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 Cards Explained

Whether you’re a frequent flyer or leisure traveler, the Southwest Rapid Rewards Plus Credit Card is a great choice. Points are easy to rack up by swiping your card for Southwest fares, participating hotels and car rentals, as well as everyday purchases.

- Carrie Smith, Credit Cards Explained
CreditCards.com

The Southwest Airlines Rapid Rewards Plus card is a great card for both Southwest Airlines fanatics and the more casual rewards card user, due to its generous sign-up bonus and many options for domestic travel.

- Kelli Bamforth, CreditCards.com
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
The Points Guy

While it’s beyond exciting to see Southwest making the Companion Pass so accessible for the first time ever, it doesn’t change the underlying fundamentals of the Southwest Plus Card. A shiny new sign-up bonus is more than enough reason to apply for a card, but like many cobranded airline cards, this...

- Ethan Steinberg, The Points Guy
Credible

Whether you’re a loyal Southwest traveler or have just started investigating ways to boost your Rapid Rewards points, the Southwest Rapid Rewards Plus card is a surefire way of earning more points than you can just by flying with the airline.

- Napala Pratini, Credible

Details


Interest Rates
Regular APR Interest Rate 18.24% ‐ 25.24%

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

Balance Transfer Interest Rate 18.24% ‐ 25.24%

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

Cash Advance Interest Rate 27.24%

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 $38.00

Maximum

Promotions
Sign up bonus 40000 points after spending $1,000

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
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
More
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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Critic Reviews


Credit Cards Explained

One of the best rewards credit cards

from Credit Cards Explained

Whether you’re a frequent flyer or leisure traveler, the Southwest Rapid Rewards Plus Credit Card is a great choice. Points are easy to rack up by swiping your card for Southwest fares, participating hotels and car rentals, as well as everyday purchases.

Read full review

Whether you’re a frequent flyer or leisure traveler, the Southwest Rapid Rewards Plus Credit Card is a great choice. Points are easy to rack up by swiping your card for Southwest fares, participating hotels and car rentals, as well as everyday purchases.

Read full review

Less

CreditCards.com

Nothing above the industry standard here

from CreditCards.com

The Southwest Airlines Rapid Rewards Plus card is a great card for both Southwest Airlines fanatics and the more casual rewards card user, due to its generous sign-up bonus and many options for domestic travel.

Read full review

The Southwest Airlines Rapid Rewards Plus card is a great card for both Southwest Airlines fanatics and the more casual rewards card user, due to its generous sign-up bonus and many options for domestic travel.

Read full review

Less

Cardcruncher

Useful for frequent flyers, but limited on rewards

from 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 fligh...More

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 card like that—plus even more on other travel and dining purchases—with the added benefit of more flexible points.

Read full review

Less

The Points Guy

Cheapest and quickest way to score up to a year of free travel

from The Points Guy

While it’s beyond exciting to see Southwest making the Companion Pass so accessible for the first time ever, it doesn’t change the underlying fundamentals of the Southwest Plus Card. A shiny new sign-up bonus is more than enough reason to apply for a card, but like many cobranded airline card...More

While it’s beyond exciting to see Southwest making the Companion Pass so accessible for the first time ever, it doesn’t change the underlying fundamentals of the Southwest Plus Card. A shiny new sign-up bonus is more than enough reason to apply for a card, but like many cobranded airline cards, this one can’t hold its own when it comes to return on spend and travel perks offered.

Read full review

Less

Credible

Can help you earn points for not only flights but also everyday purchases

from Credible

Whether you’re a loyal Southwest traveler or have just started investigating ways to boost your Rapid Rewards points, the Southwest Rapid Rewards Plus card is a surefire way of earning more points than you can just by flying with the airline.

Read full review

Whether you’re a loyal Southwest traveler or have just started investigating ways to boost your Rapid Rewards points, the Southwest Rapid Rewards Plus card is a surefire way of earning more points than you can just by flying with the airline.

Read full review

Less

Wise Bread

Southwest Airlines just got even better

from Wise Bread

This card is best for travelers who frequently fly with Southwest Airlines and can take advantage of its rewards program to get free flights.

Read full review

This card is best for travelers who frequently fly with Southwest Airlines and can take advantage of its rewards program to get free flights.

Read full review

Less

Bankrate

Doesn’t offer much value beyond the sign-up bonus

from Bankrate

Frequent fliers on Southwest or anyone aiming to earn the Companion Pass can accelerate their points accrual with this card.

Read full review

Frequent fliers on Southwest or anyone aiming to earn the Companion Pass can accelerate their points accrual with this card.

Read full review

Less

Credit Fast

Worth looking into if you fly Southwest on a frequent basis

from Credit Fast

Southwest Rapid Rewards Plus card is a solid travel card for Southwest Airlines flyers. The large introductory point offer along with the anniversary bonus help to offset the annual fee. Additionally, no blackout dates or seat restrictions make it easy to book a flight with Southwest.

Read full review

Southwest Rapid Rewards Plus card is a solid travel card for Southwest Airlines flyers. The large introductory point offer along with the anniversary bonus help to offset the annual fee. Additionally, no blackout dates or seat restrictions make it easy to book a flight with Southwest.

Read full review

Less

Bank Deal Guy

For frequent domestic travellers

from Bank Deal Guy

With no blackout dates and unlimited points that never expire, the Southwest Rapid Rewards Plus Credit Card is great choice for those who travel domestic frequently.

Read full review

With no blackout dates and unlimited points that never expire, the Southwest Rapid Rewards Plus Credit Card is great choice for those who travel domestic frequently.

Read full review

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AwardWallet

A great card for frequent flyers living in any of Southwest's hubs

from AwardWallet

While the Southwest Plus Card can’t compete with the ultra-premium travel rewards cards that offer significant perks, at a higher annual fee as well, it's a fantastic low-cost card that would suit any Rapid Rewards member looking for a low-fee travel rewards credit card.

Read full review

While the Southwest Plus Card can’t compete with the ultra-premium travel rewards cards that offer significant perks, at a higher annual fee as well, it's a fantastic low-cost card that would suit any Rapid Rewards member looking for a low-fee travel rewards credit card.

Read full review

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User Reviews


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