Last Updated: 05/14/2026
SuperMoney User Recommendation Score +82
Strongly recommended11 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
20.24% - 27.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
20.24% - 27.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
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Annual Fee
$99
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Number of Reviews
Southwest Rapid Rewards® Premier Credit Card Review
This is a travel card issued by Chase Bank. If you're wondering whether Southwest Rapid Rewards® Premier Credit Card is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 50000 points that can be redeemed for travel, gifts, or other perks.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.24% up to 27.24%.
- A 5% balance transfer fee. Southwest Rapid Rewards® Premier 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.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- 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® Premier Credit Card
| The Good | The Bad |
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Southwest Rapid Rewards® Premier Credit Card FAQ
Does Southwest Rapid Rewards® Premier Credit Card have a cash back or rewards program?
Southwest Rapid Rewards® Premier Credit Card is a travel rewards card.
| Description |
Does Southwest Rapid Rewards® Premier Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Southwest Rapid Rewards® Premier Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Southwest Rapid Rewards® Premier Credit Card benefits?
Southwest Rapid Rewards® Premier Credit Card 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® Premier 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.Southwest Rapid Rewards® Premier Credit Card has a variable purchase APR that ranges from 20.24% up to 27.24%. The card has a variable balance transfer APR that ranges from 20.24% up to 27.24%. It also has a variable cash advance APR of 29.24% .
Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Southwest Rapid Rewards® Premier 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® Premier 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® Premier Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $99 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $99.
Does Southwest Rapid Rewards® Premier Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Southwest Rapid Rewards® Premier Credit Card?
The customer service number for Southwest Rapid Rewards® Premier Credit Card is (877) 242-7372.
What is the support contact email for Southwest Rapid Rewards® Premier Credit Card?
The support contact email for Southwest Rapid Rewards® Premier Credit Card is customerdepartament@chase.com.
How do people rate the customer service and user experience of Southwest Rapid Rewards® Premier Credit Card?
Overall, Southwest Rapid Rewards® Premier Credit Card is strongly recommended based on community reviews that rate customer service and user experience.
Does Southwest Rapid Rewards® Premier Credit Card report your account activity to credit bureaus?
Yes, Southwest Rapid Rewards® Premier Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Chase Bank perform a hard credit pull?
Yes, Southwest Rapid Rewards® Premier Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Southwest Rapid Rewards® Premier Credit Card
- Visit the website of Southwest Rapid Rewards® Premier 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.
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.
Southwest Rapid Rewards® Premier 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.
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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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Other Credit Cards from Chase Bank
Purchase APR
19.99% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
18.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 29.24%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Purchase APR
20.24% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 28.74%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$795
Disclaimer popup with additional information
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 27.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Disclaimer popup with additional information
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +82, or 4.6 on a 5-point rating scale.
+82
-1000+100
No one recommends
Everyone recommends
Southwest Rapid Rewards® Premier Credit Card Community Reviews
Would you recommend Southwest Rapid Rewards® Premier Credit Card to your friends?
CC
Carlos C.
Aug 27, 2023
May or may not recommend
I'd strongly recommend this credit card to anyone! As long as I get approved! ????
IC
Isa C.
May 4, 2022
May or may not recommend
Great card if you travel regularly! I have to travel often for work, so I find it very easy to gain points. Definitely worth it!
RG
Rylie G.
Apr 14, 2022
May or may not recommend
We got this card because at the time there was a promotion that gave you $200 upon opening the card. At the time, I was trying to fly home from college so I of course did that, leaving my flight to cost only $16. However, I no longer use this card because I do not fly Southwest enough for it to really make a difference. The points and rewards are ...Show More
Karina V.
Feb 17, 2022
May or may not recommend
As an avid traveler, Southwest is one of my favorite airlines, so it just made sense to open this credit card. It's actually one of the credit cards I use on my everyday purchases as well to gain points to use on my flights. Yes, I have to pay the annual fee, but I feel it pays for itself with the savings I receive from all the rewards points I ...Show More
CH
Chase H.
Jan 27, 2022
May or may not recommend
This card is fantastic if you plan on traveling around the states a few times a year or for work. I personally prefer flying SouthWest these days anyway (because of the atrocious state of other airlines + their free bag policy) so this card definitely pays off. The 40,000 bonus points are really nice too but my annual fee payment did not count toward the reward number (not surprising). The ...Show More
LH
Lashane H.
Dec 3, 2021
May or may not recommend
Excellent card if you travel a lot and have a qualifying credit score. I love the $0 first and second checked bags.
NC
Naomi C.
Aug 27, 2021
May or may not recommend
It offer great features, but the transaction fee is a setback that might discourage people. If you consider their other amazing features, you might just have to go for it
EO
Evan O.
Feb 27, 2021
May or may not recommend
This card is amazing for US domestic travel. The companion pass is one of the best deals in the rewards card game today. If you are unfamiliar, essentially once you spend $5,000 in three months with the card (easy to do if you use it for all your purchases), you can bring a friend with you for free when you cash in your rewards. You get two tickets for the ...Show More
BA
Brian A.
Dec 16, 2020
May or may not recommend
I recommend this card to anyone who flies Southwest a few times per year. The rewards are great - priority boarding, a $75/year travel credit, and 7500 bonus points on your card anniversary. I love the flexibility and ease of travel on Southwest which includes no fees for your first two checked bags and no change or cancellation fees if you need to change your flights!
MJ
Michael J.
Oct 26, 2020
May or may not recommend
Southwest is one of the more common airlines I use when flying, so getting this Visa card from the company was a no-brainer for me. But there’s a whole lot more to this card than giving me travel miles I can use when flying with Southwest.
The card also provides a great online control panel that lets me know what I am spending when I check my balance. It shows what ...Show More
AS
Andrew S.
Oct 23, 2020
May or may not recommend
I was looking for a high-value airline credit card when my colleague told me about this brand. I decided to try them out and so far I haven’t been disappointed. It made it easy for me to access flights, gift cards, and rental cars.
Showing 11 of 11 reviews
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