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You are here: Home / Credit Cards / Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card

February 7, 2023 by Rob Berger

The Southwest Rapid Rewards® Plus Credit Card is a cobranded airline card designed for those who enjoy flying Southwest occasionally. If you fly Southwest all the time, you might be better served by the Priority card, which has more benefits (and a higher annual fee). This card offers a good welcome bonus, plus you get bonus points each year on your cardmember anniversary. When you fly Southwest, your first two bags are free. We dive into the details and your approval odds in this Rapid Rewards Plus review.

Southwest Rapid Rewards® Plus Credit Card
Learn More
Our Rating
4.2/5.0
Welcome Offer
50,000 Points
Annual Fee
$69
0% on Purchases
None
Rewards Rate
1x - 2x points
0% on Balance Transfers
None

Rewards

2x points
Hotels
Earn 2x on Rapid Rewards hotel partners.
2x points
Rental Cars
Earn 2x on Rapid Rewards car rental partners.
2x points
Southwest Purchases
Earn 2X points on Southwest® purchases.
2x points
Streaming services
Earn 2X points on internet, cable, and phone services; select streaming.
2x points
Transit
Earn 2X points on local transit and commuting, including rideshare.
1x points
On all other purchases
Earn 1 point for every $1 spent on all other purchases.

Signup Bonus

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Pros & Cons

Pros
  • Welcome offer
  • Earn points towards a Companion Pass
Cons
  • Annual fee
  • Foreign transaction fee
  • Requires good credit

Features & Benefits

SecurityEMV Chip Enabled, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksFree Checked Bags, Luggage Protection

Interest Rates & Fees

Annual Fee$69
Foreign Transaction Fee3% of the amount of each transaction in U.S. dollars.
Regular APR20.49% - 27.49% (V) APR

What Credit Score Is Required to Get the Rapid Rewards Plus

Based on data we’ve collected from public forums, a credit score of 700 or higher is ideal. We have seen an approval with a score as low as 680, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved02/11/2022
715
Not Provided
$20,000
Approved08/06/2022
680
Experian
$9,600
Approved05/22/2022
802
Experian
$12,800
Approved02/24/2022
760
Equifax
$10,700

What Are the Best Alternatives?

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card

Rating

4.5

Rewards Range

2x - 5x miles

Annual Fee

$95

Read Review
Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Blue American Express Card

Rating

4.4

Rewards Range

1x - 2x Miles

Annual Fee

$0

Read Review
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Rating

4.9

Rewards Range

1x - 5x points

Annual Fee

$95

Read Review

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About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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