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Southwest Rapid Rewards® Priority Credit Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
21.49% ‐ 28.49% (Variable)
Interest Rate: Purchases
21.49% ‐ 28.49% (Variable)
Balance Transfer
21.49% ‐ 28.49% (Variable)
Balance Transfer
21.49% ‐ 28.49% (Variable)
1 - 3 points
1 - 3 points
Signup Bonus
50000 points (after spending $1,000)
Signup Bonus
50000 points (after spending $1,000)

Informr score
The Southwest Rapid Rewards® Priority Credit Card currently has an Informr score of 8.4 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® Priority 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...


If you're a hardcore Southwest flyer, this is the best choice among the airline's three consumer cards, even with its higher fee. But if you spread your business around to multiple airlines, consider a general travel card instead.

- Melissa Lambarena, NerdWallet

The Southwest Rapid Rewards Priority card is the best pick among the airline’s three personal credit cards despite its higher annual fee. But if Southwest isn’t your preferred airline or you want to pay a lower annual fee, Southwest's sibling cards or a general travel credit card may be a better fit...

- Garrett Yarbrough, Bankrate

With a slew of benefits, the Southwest Rapid Rewards® Priority Credit Card is arguably the best Southwest personal credit card — even with its high $149 annual fee. Frequent travelers should be able to make good use of the travel credit plus the upgraded boardings and annual bonus make it easy to re...

- Charlotte Zhang, ValuePenguin

If you’re looking for a Southwest credit card stacked with travel rewards and perks, this is it. Although it has the highest annual fee of Southwest consumer cards, you could easily offset the fee if you travel Southwest frequently.

- Ariana Arghandewal, SlickDeals
Money Crashers
Money Crashers

For those who aren’t fully onboard with the way Southwest works, the $149 annual fee can be hard to swallow. It’s also not a card for those whose home airport doesn’t offer much Southwest service. And for these more casual Southwest customers, it can be worth considering the Rapid Rewards Plus and P...

- Jason Steele, Money Crashers


Interest Rates
Regular APR Interest Rate 21.49% ‐ 28.49% (Variable)

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

Balance Transfer Interest Rate 21.49% ‐ 28.49% (Variable)

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

Cash Advance Interest Rate 30.24% (Variable)

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

Rates & Fees
Annual Fee $149.00
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


Sign up bonus 50000 points after spending $1,000

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 3 points per $1 spent

On Southwest® purchases

Pharmacy No
Bills 2 points per $1 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 7,500 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
  • $75 Southwest annual travel credit.
  • Four Upgraded Boardings per year when available.
  • Earn tier qualifying points towards A-list Status.
  • Lost Luggage Reimbursement
  • Baggage Delay Insurance
  • 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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