Southwest Rapid Rewards® Priority Credit Card

Advertiser Disclosure Editorial Disclosure

Last updated on July 12th, 2022

Southwest Rapid Rewards Priority Credit Card

Southwest Rapid Rewards Priority Credit Card
  • Regular Purchase APR 18.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 18.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 27.24% variable based on the Prime Rate
  • Annual Fee $149
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months
  • 7,500 anniversary points each year
  • Earn 3X points on Southwest® purchases
  • Earn 2X points on local transit and commuting, including rideshare
  • Earn 2X points on internet, cable, phone services, and select streaming
  • $75 Southwest® travel credit each year
  • 4 Upgraded Boardings per year when available
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 18.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 18.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 27.24% 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 $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!
Southwest Rapid Rewards Priority Credit Card

Southwest Rapid Rewards Priority Credit Card

Terms & Conditions

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 (up to) triple 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 50,000 Bonus Rapid Rewards Points

New Southwest Rapid Rewards Priority cardmembers can enjoy a quality welcome bonus for a limited time. New Southwest Rapid Rewards Consumer Cardmembers will earn 50,000 Rapid Rewards points that don’t expire (a Rapid Rewards benefit) —after they spend $1,000 on qualifying purchases in the first three months from the account opening.

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. Rapid Rewards points never expire as long as the account is open and active.

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.

Southwest Rapid Rewards consumer Credit Card Comparison

Not sure which Rapid Rewards credit card from Chase is right for your personal needs? Here is a quick breakdown of all the personal consumer credit cards from Southwest Airlines and JP Morgan Chase:

Rapid Rewards® Plus Rapid Rewards® Premier Rapid Rewards® Priority
Earn 2X pts. on Southwest purchases, 2X pts. on internet, cable, phone services, and select streaming, and 1X on all other purchases Earn 3X pts. on Southwest purchases, 2X pts. on internet, cable, phone services, and select streaming, and 1X on all other purchases Earn 3X pts. on Southwest purchases, 2X pts. on internet, cable, phone services, and select streaming, and 1X on all other purchases
2 EarlyBird Check-In per year. 1,500 tier qualifying points towards A-List status for every $10,000 spent 4 Upgraded Boardings per year when available
No annual fee $99 annual fee $149 annual fee

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
  • 25% back on inflight purchases
  • 1,500 Tier Qualifying Points towards A-List and A-List Preferred status

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.

FAQs About Southwest Rapid Rewards

Here are some of the most commonly asked questions regarding Southwest’s Rapid Rewards loyalty program:

  • Yes. According to Southwest, you can request past flight points for up to 12 months after your flight.  To claim points for a past flight, simply log into your account, select My Account and choose the Manage tab within My Rapid Rewards.  Choose Request past points in the grey bar and enter your record locator (confirmation number) from your reservation. After verification of your flight information (up to 5 days), points will be deposited into your account.
  • Rapid Rewards Dining is a rewards program within the Rapid Rewards program. This features lets members earn points from dining with select Southwest restaurant partners.

Related Article: Dining Programs: How to Earn Airline Miles with Any Credit Card

Card Availability

Chase credit, debit, and banking products are available in all 50 U.S. states plus the District of Columbia.

JP Morgan Chase and Southwest Visa Card Ratings

How does the Chase Southwest Visa stack up? Here are a selection of expert reviews for the card, as well as an overview of JP Morgan Chase as a bank:

5/5
4/5

TrustPilot Rating

N/A

User Rating

5/5

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.6,0

Browse Other Chase Credit Card Offers:

Get the Best Credit Card Content in Your Inbox

Sign up for our newsletter to receive the latest credit card articles and news so you can stay on top of your financial wellbeing.

Looking for Something Else?

Check out these helpful links before you go.

Get the Best Credit Card Content in Your Inbox

Sign up for our newsletter to receive the latest credit card articles and news so you can stay on top of your financial wellbeing.