SuperMoney
  Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card

in Personal Credit Cards from Chase Bank

Claimed

Southwest Rapid Rewards® Plus Credit Card

Claimed

in Personal Credit Cards from Chase Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend Southwest Rapid Rewards® Plus Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
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

Southwest Rapid Rewards® Plus Credit Card 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 is everything you need to know 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 up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $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 purchase protection, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
Southwest Rapid Rewards® Plus Credit Card Pros & Cons
The Good The Bad
  • $0 first and second checked bags.
  • $0 change fee.
  • 2X points on Southwest purchases.
  • Multiple credit card perks.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Southwest Rapid Rewards® Plus Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • 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

Is there a Southwest Rapid Rewards® Plus Credit Card cash back or rewards program?

Southwest Rapid Rewards® Plus Credit Card offers a rewards program to its customers.

Southwest Rapid Rewards® Plus Credit Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 2%
Annual rewards limit N/A
Signup Bonus ($) 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?

Southwest Rapid Rewards® Plus Credit 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?

Southwest Rapid Rewards® Plus Credit 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?

Southwest Rapid Rewards® Plus Credit Card provides the following benefits:

  • No blackout dates when redeeming miles
  • ID Theft Protection
  • 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Southwest Rapid Rewards® Plus Credit Card has higher than average purchase APRs.

Southwest Rapid Rewards® Plus Credit Card 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 introductory APR offer on balance transfers?

No, Southwest Rapid Rewards® Plus Credit Card does not come with an introductory APR offer for balance transfers.

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

Southwest Rapid Rewards® Plus Credit Card does not offer an introductory rate on new purchases.
Southwest Rapid Rewards® Plus Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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

The following fees apply to Southwest Rapid Rewards® Plus Credit Card:

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 a foreign transaction fee.

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

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 can 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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
Bonus Rewards Earn up to 75,000 bonus points. Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open.*Same page link to Offer Details Plus, earn an additional 35,000 bonus points after you spend $5,000 on purchases in the first 6 months your account is open.
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
Rewards Type Points
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%

Be the first to rate

 

Would you recommend Southwest Rapid Rewards® Plus Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

0%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Other Personal Credit Cards

First Progress Platinum Select Mastercard® Secured Credit Card
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

3 Reviews

Chase Bank Personal Credit Cards

Loading...