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  Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card

in Personal Credit Cards from Chase Bank

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Southwest Rapid Rewards® Plus Credit Card

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in Personal Credit Cards from Chase Bank

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Highlights
Purchase APR  (Variable APR) 17.49% - 24.49%
Balance Transfer APR  (Variable APR) 17.49% - 24.49%
Credit Score Range 700 - 850
Annual Fee $69

Southwest Rapid Rewards® Plus Credit Card Review

This is a rewards credit card issued by Chase Bank. If you're wondering whether Southwest Rapid Rewards® Plus Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of 40000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.49% up to 24.49%.
  • 5% Balance transfer fee. Southwest Rapid Rewards® Plus Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Southwest Rapid Rewards® Plus Credit Card
The Good The Bad
  • $0 first and second checked bags.
  • $0 change fee.
  • 2X points on Southwest purchases.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on purchases everywhere Southwest Rapid Rewards® Plus Credit Card is accepted.
  • Southwest Rapid Rewards® Plus Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges an annual fee of $69
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee.
Southwest Rapid Rewards® Plus Credit Card FAQ

Does Southwest Rapid Rewards® Plus Credit Card have a cash back or rewards program?

Southwest Rapid Rewards® Plus Credit Card is a travel rewards card.

Southwest Rapid Rewards® Plus Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate 2x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 40000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months
Annual Loyalty Bonus (Points/Miles) 3000

Does Southwest Rapid Rewards® Plus Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 40000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does Southwest Rapid Rewards® Plus Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 3000 points that can be redeemed for travel, gifts, and other perks.

What are the Southwest Rapid Rewards® Plus Credit Card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Southwest Rapid Rewards® Plus Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR that ranges from 17.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 24.49%. It also has a variable cash advance APR starting at 26.49% .

Does Southwest Rapid Rewards® Plus Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Southwest Rapid Rewards® Plus Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Southwest Rapid Rewards® Plus Credit Card?

The following fees apply:

Southwest Rapid Rewards® Plus Credit Card Fees
Fees Amount
Annual Fee $69
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does Southwest Rapid Rewards® Plus Credit Card have a foreign transaction fee?

Southwest Rapid Rewards® Plus Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Southwest Rapid Rewards® Plus Credit Card?

The Southwest Rapid Rewards® Plus Credit Card customer service number is (877) 242-7372.

Does Southwest Rapid Rewards® Plus Credit Card report your account activity to credit bureaus?

Yes, Southwest Rapid Rewards® Plus Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Southwest Rapid Rewards® Plus Credit Card

  • Visit the Southwest Rapid Rewards® Plus Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Airfare (Points) 2
Every Purchase (Points) Earn 1 point for every $1 you spend on all other purchases.
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Foreign Currency Transaction Fee 3%
Annual Fee $69
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Emergency Support
Annual Loyalty Bonus (points) 3,000
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • Airfare
  • Car Rentals
  • Every Purchase
  • Hotels
Signup Bonus (points) 40,000
Cash Advance APR (Variable APR) Starting at 26.49%
Balance Computation daily balance method (including new transactions)
Purchase APR (Variable APR) 17.49% - 24.49%
Balance Transfer APR (Variable APR) 17.49% - 24.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Airline
  • Bonus Offers
  • Rewards
  • Travel
Card Network Visa

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