Southwest Rapid Rewards Priority
Chase$229 a yearVisa SignatureNo foreign transaction feeIssuer's page
Wait for a bigger offer if you can: a higher one ran recently.
Already have it? A lower-fee card in the same family may suit you better.
Welcome bonus
60,000points
after $2,000 in purchases in the first 3 months
Lower than the 90,000-point offer (after $3,000 spend) we last recorded in July 2026.
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus60,000 points at 1.3¢ | $780 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$36 |
| Credits you'll likely useof $240 face value | +$74 |
| Annual fee | −$229 |
| Meeting the $2,000 minimumearns 1.3% here vs 2% on Double Cash | −$14 |
| First year | $647 |
| Each year after | +$81 |
Not counted in the first year: other benefits and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Dining | 2.6% |
| 2X | Gas | 2.6% |
| 5X | Lyftthrough 12/31/2027; must be default payment method in Lyft app | 6.5% |
| 4X | Southwest purchases | 5.2% |
| 1X | Everything else | 1.3% |
Noteworthy perks
- First 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
$10 Instacart coupon every month with an active Instacart+ membership through December 31, 2027
- 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)
Elite status (1)
- Southwest Rapid Rewards: Earn 2.5K TQPs for each $5K in purchases toward A-List status
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
- 7.5K Anniversary bonus points
- 10K Companion Pass qualifying points each year
- First bag free for cardholder and up to 8 companions
- 15% promo code each year on cardmember anniversary (excludes Basic fare)
- Group 5 boarding for cardholder and up to 8 companions (for flights with assigned seating in 2026+)
- Standard or Preferred seat selection at booking (when available) - for 2026+ flights
- Unlimited Extra Legroom Seat upgrades within 48 hours of departure (when available) - for 2026+ flights
- Complimentary DoorDash DashPass for 12 months (activate by 12/31/2027)
- 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
- Complimentary Instacart+ membership for 3 months (activate by 12/31/27)
- 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 null to Southwest PriorityOct 8, 2026
- changed from null to 2000Aug 13, 2026
- changed from null to 90Aug 13, 2026