Southwest Rapid Rewards® Priority Credit Card

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Last updated on November 10th, 2021

Southwest Rapid Rewards® Priority Credit Card

Earn Up to 100,000 Points

Southwest Rapid Rewards® Priority Credit Card
  • Regular Purchase APR 15.99% to 22.99% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 15.99% to 22.99% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $149
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 50,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening
  • Plus, earn an additional 50,000 points after you spend $12,000 total on purchases in the first 12 months from account opening.
  • 7,500 bonus points on each cardmember anniversary
  • Earn 3 points for every $1 you spend on Southwest Airlines® purchases
  • Earn 1 point for every $1 you spend on all other purchases
  • Earn 2 points per $1 spent on Rapid Rewards hotel and car partners, local transit and commuting, and internet, cable, phone services, and select streaming
  • Earn 1 point for every $1 you spend on all other purchases
  • Four Upgraded Boardings per year
  • 20% back on all in-flight drinks and Wi-Fi with Southwest
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR: 15.99% to 22.99% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Annual Fee: $149
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
Credit Card Deals

At a Glance

For frequent Southwest Airlines® flyers, the Southwest Rapid Rewards® Priority Credit Card is an airline card that makes it easy to reap benefits rapidly with double points earning, travel credits, and convenient in-flight discounts.

Ideal for Those Who:

  • Travel often, especially with Southwest Airlines®
  • Are looking to use your credit card to make purchases abroad
  • Make frequent in-flight purchases

Southwest Rapid Rewards® Priority Credit Card Review

The Southwest Rapid Rewards® Priority Credit Card is a co-branded travel credit card that features a robust set of benefits.

Earn Up to 100,000 Bonus Rapid Rewards Points

New Priority cardholders can earn 50,000 bonus points if they spend $2,000 with their new card in the first three months from opening an account. Plus, they’ll earn an additional 50,000 points after spending $12,000 total on purchases in the first 12 months from account opening.

Given the approximate value of Southwest Rapid Rewards points, this sign-up bonus has a value of around $1,000 towards flights with the carrier – not bad!

How to Earn Rewards

Additionally, cardholders earn 3X Rapid Rewards points for every dollar spent on Southwest Airlines purchases. This includes checked baggage, in-flight purchases, and more.

Even if your expenses are not exclusively with Southwest – through which you’ll earn double points from things like Rapid Rewards hotel and car partners – you’ll still be rewarded with 2X for every dollar on a range of purchases, including:

  • Local transit and commuting, including rideshares
  • Internet, cable, phone services, and select streaming

All other purchases with the card earn 1X points per dollar spent.

7,500-Point Anniversary Bonus

Southwest Rapid Rewards® Priority cardholders also receive a 7,500-point anniversary bonus on their cardmember anniversary each year. In effect, you can earn up to 107,500 points for spending just $13,000 in the first 12 months of having an account. If you use this as your primary payment method, that’s not a difficult task to accomplish. And the rewards are quite substantial.

How to Redeem Rewards

When you begin to cash in on the rewards you’ve earned with your Southwest Rapid Rewards® Priority Card, you’ll notice that you can turn your Rapid Rewards points into just about anything; flexible rewards redemption is a big draw with this program.

  • Travel: Once you’ve earned rewards for that dream trip you’ve been planning, you’re ready to redeem them. Points earned with the Southwest Rapid Rewards® Premier Card can be redeemed to book or upgrade travel on Southwest. Rewards can be used to save on flights, seat upgrades, and more (including Companion Passes!). Log into your Rapid Rewards account on the Southwest® homepage, select a flight, and pay with points; the sky is the limit!
  • Hotels: With the Southwest Rapid Rewards® program, cardholders are eligible to book hotel stays with points earned from their Southwest Rapid Rewards® Premier Card at over 70,000 hotels across the globe.
  • Car Rentals: Renting a car often makes travel easier, as you’re able to move at your own pace, make pitstops at your leisure, and take your time enjoying your destination. Points earned with the Southwest Rapid Rewards® Premier Card can be used towards hiring a car rental from several different rental companies.
  • Retail: Points can be redeemed with hundreds of retail partners for products, services, and even gift cards. Shop retail options, from golf balls and electronics to home goods; or, find the right gift card from brands like Amazon, iTunes, Lowes and more to treat yourself or a friend – simply use your points to purchase!
  • Buy, Gift, or Transfer: Cardholders can use their Rapid Rewards® points for a variety of purchases; they also have the option to gift points or transfer their points to whoever they’d like, even if they are not a cardholder. All the recipient must do is enroll in the Rapid Rewards program if they have not already. Points can even be donated to pre-selected charities; Southwest has chosen several charities that can accept points as a donation.

Other Travel Features

The travel features of the Southwest Rapid Rewards® Priority Card don’t end with the decent point potential and impressive sign-up bonuses. The card also enjoys other Southwest Airline perks, including:

  •          A $75 Southwest annual travel credit
  •          Four upgraded boardings per year when available on Southwest flights

Beyond Southwest perks, the card also comes with baggage delay insurance for reimbursement for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for three days. Cardholders also enjoy no foreign transaction fees and Visa travel protections at no extra charge.

For more information on the Rapid Rewards loyalty program:

Should You Apply for the Southwest Rapid Rewards® Priority Credit Card?

The Southwest Rapid Rewards® Priority truly shines once your cardmember anniversary rolls around, though. You’ll automatically receive an additional 7,500 points, and, depending on the purchases you’ve made, you could also be in line to get up to a $75 credit as well as a reimbursement for up to four Upgraded Boardings – and the perks don’t stop there.

If you find yourself frequently making in-flight purchases, such as beverages, Wi-Fi, or movies, you’ll also find yourself getting a 20% discount for each. However, all these benefits come at a price in the form of a $149 annual fee. It’s a steep sum to pay for a credit card, especially when others offer similar rewards for less, but it can be offset with the proper amount of savings and statement credits. So if you plan to see “Southwest Airlines” often in your credit card statement, you’ll be glad to have the Southwest Rapid Rewards® Priority card in your pocket.

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