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Southwest Rapid Rewards® Premier Credit Card review

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Advertiser Disclosure

Annual Fee
$99.00
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 - 3 points
Rewards
1 - 3 points
Signup Bonus
40000 points (after spending $1,000)
Signup Bonus
40000 points (after spending $1,000)


7.8/10
Informr score
The Southwest Rapid Rewards® Premier Credit Card currently has an Informr score of 7.8 out of 10. This score is based on our evaluation of 30 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Southwest Rapid Rewards® Premier 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...


The Points Guy
The Points Guy

The Southwest Rapid Rewards Premier Credit Card can be a good option for frequent Southwest flyers and currently offers a decent welcome offer. Even though some people will come out ahead by opting for the Southwest Rapid Rewards Priority Credit Card and the $75 annual Southwest travel credit it car...

- Jennifer Yellin, The Points Guy
One Mile at a Time
One Mile at a Time

The Southwest Premier Card is a great mid-range credit card. It has an exceptional welcome bonus, plus ongoing perks that justify the annual fee, between the 6,000 Rapid Rewards points annually, and the EarlyBird check-ins.

- Ben Schlappig, One Mile at a Time
CreditCards.com
CreditCards.com

If you frequently fly Southwest, it’s worth upgrading to this high value airline card, despite its $99 annual fee: It offers one of the best sign-up bonuses on the market and its rewards points are worth substantially more than the average credit card rewards point.

- Holly Johnson, CreditCards.com
CNBC
CNBC

A solid airline credit card for consumers who regularly fly with the Dallas-based carrier. The card comes with a decent welcome offer, flexible bonus spending categories, travel insurance and several benefits when you fly with the airline. And if you plan on traveling internationally, you won’t have...

- Brett Holzhauer, CNBC
MyBankTracker
MyBankTracker

The is much like other airline credit cards, but it has an ace up its sleeve. Other airlines charge baggage fees but offer free bags with its credit card, but Southwest does neither. Instead, the Southwest Rapid Rewards Premier credit card allows you to earn points towards its invaluable Companion P...

- Jason Steele, 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 $99.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00

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 2 points per $1 spent
Travel 3 points per $1 spent

On Southwest® purchases

Pharmacy No
Bills 2 points per $ spent

On internet, cable, phone services and select streaming

Additional Details
  • Earn 2 points per $1 spent on local transit, car rental partner, and commuting, including rideshare
  • Receive 6,000 bonus points after your cardmember anniversary.
  • 1,500 tier qualifying points towards A-List status for every $10,000 spent
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 Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • First and second checked bags fly free
  • Lost Luggage Reimbursement
  • Baggage Delay Insurance
  • 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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