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Side-by-side

Southwest Rapid Rewards Premier vs SoFi Everyday Cash Rewards

Both are well-respected travel cards. The Southwest Rapid Rewards Premier comes from Chase at $149/yr; the SoFi Everyday Cash Rewards from SoFi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureSouthwest Rapid Rewards PremierSoFi Everyday Cash Rewards
Annual fee$149$0
Sign-up bonus55,000 bonus pointsNone publicly advertised
Bonus value (est.)-$0
Min spend to unlock bonus$1,500 in 3 mo$0 in 0 mo
IssuerChaseSoFi
Card categorytravel
Best earning category (Travel)3x1x
Transfer partnersNoneNone
Headline benefits
  • 3x on Southwest
  • 6k anniversary points
  • Free first checked bag
  • 15% anniversary promo code
    Read the full review
    Southwest Rapid Rewards Premier
    $149/yr · 55,000 bonus points
    Read the full review
    SoFi Everyday Cash Rewards
    $0/yr · None publicly advertised

    Editorial take: Southwest Rapid Rewards Premier

    The middle tier of the Southwest portfolio after the 2025 refresh. Doubles the anniversary points and bumps the promo code from 10% to 15% vs Plus. Sweet spot for occasional Southwest flyers who don't need the Priority card's $75 travel credit or upgraded boardings.

    Editorial take: SoFi Everyday Cash Rewards

    Common questions

    Which card has the bigger sign-up bonus, Southwest Rapid Rewards Premier or SoFi Everyday Cash Rewards?
    The SoFi Everyday Cash Rewards has a public bonus (None publicly advertised, worth roughly $0), while the Southwest Rapid Rewards Premier doesn't advertise one right now.
    Is the Southwest Rapid Rewards Premier's $149 annual fee worth it compared to the SoFi Everyday Cash Rewards?
    At $149/yr, the Southwest Rapid Rewards Premier is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the SoFi Everyday Cash Rewards's, pick the one whose perks you'll actually use.
    Can I have both the Southwest Rapid Rewards Premier and SoFi Everyday Cash Rewards?
    Yes, since they're from different issuers (Chase and SoFi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
    Should I get the Southwest Rapid Rewards Premier or the SoFi Everyday Cash Rewards first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Southwest Rapid Rewards Premier: $1,500 spend in 3 months. SoFi Everyday Cash Rewards: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

    Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.