Last Updated: 10/08/2025
Southwest Rapid Rewards® Plus Credit Card
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in Credit Cards from Chase Bank
Last Updated: 10/08/2025
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Highlights
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Credit Score Range
Annual Fee
Southwest Rapid Rewards® Plus Credit Card Review
Key Takeaways
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.99% up to 28.49%.
- A 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 up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Southwest Rapid Rewards® Plus Credit Card
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Southwest Rapid Rewards® Plus Credit Card FAQ
Does Southwest Rapid Rewards® Plus Credit Card have a cash back or rewards program?
| Description |
Does Southwest Rapid Rewards® Plus Credit Card have a signup bonus?
Does Southwest Rapid Rewards® Plus Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Southwest Rapid Rewards® Plus Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $99 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Southwest Rapid Rewards® Plus Credit Card have a foreign transaction fee?
Southwest Rapid Rewards® Plus Credit Card charges a foreign transaction fee of up to 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?
What is the support contact email for Southwest Rapid Rewards® Plus Credit Card?
What is the login page for Southwest Rapid Rewards® Plus Credit Card?
How do people rate the customer service and user experience of Southwest Rapid Rewards® Plus Credit Card?
Does Southwest Rapid Rewards® Plus Credit Card report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Chase Bank perform a hard credit pull?
How to apply for Southwest Rapid Rewards® Plus Credit Card
- Visit the website of Southwest Rapid Rewards® Plus Credit Card.
- 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.
Southwest Rapid Rewards® Plus Credit Card Disclosure: 50,000 Bonus Points After You Spend $1,000 On Purchases In The First 3 Months From Account Opening: The product is not available to either (i) current Cardmembers of any Southwest Rapid Rewards® Credit Card, or (ii) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months. This does not apply to Cardmembers of the Southwest Rapid Rewards Business Card and Employee Credit Card products. To qualify for your bonus points, you must make Purchases totaling $1,000 or more during the first 3 months from account opening. Please allow up to 8 weeks for bonus points to post to your Rapid Rewards® account. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.
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