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Southwest Rapid Rewards® Plus Credit Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
19.74% ‐ 26.74% (Variable)
Interest Rate: Purchases
19.74% ‐ 26.74% (Variable)
Balance Transfer
19.74% ‐ 26.74% (Variable)
Balance Transfer
19.74% ‐ 26.74% (Variable)
1 - 2 points
1 - 2 points
Signup Bonus
75000 points (after spending $3,000)
Signup Bonus
75000 points (after spending $3,000)

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 24 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...

One Mile at a Time
One Mile at a Time

The Southwest Plus Card is a solid entry-level airline credit card, and this is an especially good time to pick it up, given the bonus. If you want a credit card from Southwest and want as low of an annual fee as possible, then this card could make sense for you.

- Ben Schlappig, One Mile at a Time
The Points Guy
The Points Guy

For only $69 per year, the Southwest Rapid Rewards Plus card comes with an enticing sign-up bonus that’s enough to make this card worth considering, especially for those who like Southwest but only fly with the airline occasionally.

- Jennifer Yellin, The Points Guy

If you’re just dipping your toe into the world of Southwest Airlines, the large sign-up bonus and kickers for Southwest purchases may be more than enough to offset the $69 annual fee for you. However, if you’re a more frequent Southwest traveler, you’d likely be better served with the enhanced featu...

- John Csiszar, GOBankingRates

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

The Southwest Rapid Rewards Plus card offers solid entry-level rewards and benefits for frequent flyers and is much improved after its latest update. However, depending on how often you fly with Southwest and where your biggest expenses lie, you’ll probably find more value with a higher-tier Southwe...

- Garrett Yarbrough, Bankrate


Interest Rates
Regular APR Interest Rate 19.74% ‐ 26.74% (Variable)

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

Balance Transfer Interest Rate 19.74% ‐ 26.74% (Variable)

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

Cash Advance Interest Rate 28.74% (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 $40.00


Sign up bonus 75000 points after spending $3,000

On purchases within the first 3 months.

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

On Southwest® purchases, local transit, car rental partner, and commuting, including rideshare

Pharmacy No
Bills 2 points per $1 spent

On internet, cable, phone services and select streaming

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
  • Free year of DoorDash DashPass
  • 25% back on inflight purchases
  • 2 EarlyBird Check-In® per year
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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