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Southwest Rapid Rewards® Plus Credit Card review

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Advertiser Disclosure

Annual Fee
$69.00
Interest Rate: Purchases
16.74% ‐ 23.74% (Variable)
Interest Rate: Purchases
16.74% ‐ 23.74% (Variable)
Balance Transfer
16.74% ‐ 23.74% (Variable)
Balance Transfer
16.74% ‐ 23.74% (Variable)
Rewards
1 - 2 points
Rewards
1 - 2 points
Signup Bonus
75000 points (after spending $5,000)
Signup Bonus
75000 points (after spending $5,000)


7.9/10
Informr score
The Southwest Rapid Rewards® Plus Credit Card currently has an Informr score of 7.9 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 good entry-level credit card for someone who wants to earn Rapid Rewards points without paying a high annual fee. The card is offering a huge welcome bonus that includes Companion Pass, 3,000 points on your cardmember anniversary every year, two EarlyBird check-ins per y...

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

For only $69 per year, this card comes with one of the best sign-up bonuses we’ve seen from the Southwest card lineup. The ability to earn 30,000 points and a Companion pass is enough to make this card worth considering, especially for those who like Southwest but only fly with the airline occasiona...

- Jennifer Yellin, The Points Guy
CNBC
CNBC

The Southwest Rapid Rewards® Plus Credit Card gives cardholders the opportunity to earn valuable Rapid Rewards points on their purchases without having to worry about paying a large annual fee. Thanks to a lucrative welcome offer paired with a low spending threshold, you can quickly snag more than 4...

- Brett Holzhauer, CNBC
CreditCards.com
CreditCards.com

The Southwest 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 Pate, CreditCards.com
MyBankTracker
MyBankTracker

Whether it is for personal or business purposes, signing up for a travel rewards credit card is a great way for regular travelers to rack points and miles towards future travels fares. If you happen to be a frequent customer of Southwest Airlines, then the would be a welcomed companion on your trips...

- Simon Zhen, MyBankTracker

Details


Interest Rates
Regular APR Interest Rate 16.74% ‐ 23.74% (Variable)

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

Balance Transfer Interest Rate 16.74% ‐ 23.74% (Variable)

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

Cash Advance Interest Rate 25.74% (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

Maximum

Promotions
Sign up bonus 75000 points after spending $5,000

On purchases within the first 3 months.

Rewards
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
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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