Southwest Rapid Rewards Plus
Chase$99 a yearVisa SignatureNo foreign transaction feeIssuer's page
A good time to apply if the card fits: the offer beats most of its own record.
Already have it? Keep it.
Welcome bonus
80,000points
after $1,000 in purchases in the first 3 months
Better than most offers on record since 2022.
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus80,000 points at 1.3¢ | $1,040 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$30 |
| Credits you'll likely useof $240 face value | +$74 |
| Annual fee | −$99 |
| Meeting the $1,000 minimumearns 1.3% here vs 2% on Double Cash | −$7 |
| First year | $1,038 |
| Each year after | +$205 |
Not counted in the first year: other benefits and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Grocery stores | 2.6% |
| 2X | Gas stations | 2.6% |
| 2X | Lyftthrough 12/31/2027; must be default payment method in Lyft app | 2.6% |
| 2X | Southwest purchases | 2.6% |
| 1X | Everything else | 1.3% |
Noteworthy perks
- First checked bag free for cardholder and up to 8 companions
- Instacart$120 a year
- DoorDash Grocery/Retail, monthly$120 a year
Personal card · Earns Southwest Rapid Rewards
Benefits
Credits & Perks (2)
- Instacart coupon: $10 off 1 order (Monthly)
Instacart+ membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on Instacart orders with active Instacart+ membership (activate by 12/31/27; coupons end 12/31/27)
- DoorDash Grocery/Retail, monthly coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on non-restaurant DoorDash orders with DashPass (DashPass first activated between 09/01/26 and 12/31/27 with the card; the coupon continues while you stay enrolled)
Protections (6)
- Travel Accident Insurance, up to $500,000, Up to $500,000 for Common Carrier travel accident, $100,000 for 24-hour travel accident
- Lost Luggage Reimbursement, up to $3,000, Up to $3,000 per covered traveler per trip for lost, damaged, or stolen luggage; sub-limit of $500 for jewelry/watches and cameras/electronics
- Baggage Delay Insurance, up to $300, Up to $100 per day for 3 days when baggage delayed over 6 hours
- Purchase Protection, up to $500, 120 days coverage for theft, damage, or involuntary and accidental parting, up to $500 per item
- Extended Warranty, up to $10,000, Extends manufacturer's U.S. repair warranty by 1 year (max 3 years original warranty)
- Auto Rental Collision Damage Waiver (secondary), Secondary coverage in the US, primary outside the US, up to $60,000 for theft or collision damage to rental vehicle
Other Perks
- 3K anniversary points
- 10K Companion Pass qualifying points each year
- First checked bag free for cardholder and up to 8 companions
- Group 5 boarding for cardholder and up to 8 companions (for flights with assigned seating in 2026+)
- Standard seat selection up to 48 hours pre-departure (when available) - for 2026+ flights
- 10% promo code each year on cardmember anniversary (excludes Basic fare)
- Complimentary DoorDash DashPass for 12 months (activate between 02/01/2025 and 12/31/2027)
- Complimentary Instacart+ membership for 3 months (activate by 12/31/27)
- Big spend bonus: If you earn 135K points in one calendar year you'll get a companion pass good for the rest of that calendar year and all of the next year
- 25% back on Southwest inflight purchases
The Southwest Rapid Rewards Personal family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from 50K points after $1K spend in the first 3 months to 80K points after $1K spend in the first 3 monthsOct 22, 2026
- changed from null to Southwest PlusOct 8, 2026
- changed from null to 1000Aug 13, 2026
- changed from null to 90Aug 13, 2026