Southwest Rapid Rewards Plus
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earn 50,000 bonus points after spending $1,000 in the first 3 months.
The entry-level Southwest card after the 2025 refresh raised the fee to $99. Worth it primarily if you're chasing the Companion Pass; the Priority card delivers more value if you fly Southwest 2+ times per year.
Earning Rates
At a glance
- $99 fee (post-2025 refresh)
- 3k anniversary points
- Free first checked bag
- Companion Pass qualifying
Earning rates
4- 2xflights
2x Rapid Rewards points per dollar on Southwest Airlines purchases including flights, inflight, Southwest gift cards, and Getaways by Southwest packages (Southwest Cruises, Charters, and Cargo are excluded)
- 2xgroceries
2x Rapid Rewards points per dollar on the first $5,000 in combined purchases each account anniversary year at gas stations and grocery stores; after $5,000 you drop to 1x with no maximum (this is the new bonus category added in the late-2025/early-2026 Southwest cobrand refresh per the Chase issuer page)
- 1xeverything else
1x Rapid Rewards points per dollar on all other purchases, plus 1x on the first $10,000 of balance transfers made during the first 90 days from account opening
- 2xgroceries
Sunset legacy bonus categories: the prior 2x earn rates on Rapid Rewards hotel and car rental partners, local transit and commuting (including ride-hailing), and on internet, cable, phone, and select streaming services were retired with the late-2025/early-2026 Southwest cobrand refresh and replaced by the new 2x gas station and grocery store category capped at $5,000 per anniversary year
Transfer partners
1Statement credits
1- 25% back as a statement credit on Southwest inflight purchases including Wi-Fi and drinks made with the Plus card by the cardmember or authorized users; statement credit posts same day as purchase and appears on the monthly billing statement within 6-8 weeks
Perks & memberships
10- Airline perkFirst standard checked bag free for the primary cardmember and up to 8 additional passengers on the same Southwest reservation (Southwest now charges $35 for a first checked bag after the 2025 bag-fee change, so a family of four saves up to about $280 round trip)
- Airline perkComplimentary Standard seat selection within 48 hours prior to departure, when available, for the cardmember and up to 8 additional passengers on the same reservation; Chase notes average value of about $50 round trip based on published fares July 29-August 28, 2025
- Airline perk10% Southwest promotion code each cardmember anniversary year, valid for one year from delivery and applied to the base fare on Southwest.com or the Southwest mobile app; excludes Basic fare, group travel, Southwest Vacations, Getaways by Southwest, swabiz.com bookings, and special fares like military and government fares
- Airline perk10,000 Companion Pass qualifying points boost each calendar year, deposited by January 31 or up to 30 days after account opening, reducing the practical Companion Pass hurdle from 135,000 to 125,000 additional qualifying points per Frequent Miler's 2025 Complete Guide
- Airline perkGroup 5 priority boarding for the cardmember and up to 8 additional passengers on the same reservation under Southwest's January 2026 boarding overhaul, giving earlier access to overhead bins (eligible passengers' boarding passes display 'Cardmember' to indicate the privilege)
- MembershipComplimentary DashPass membership for 12 months when activated for the first time with the Plus card between 02/01/2025 and 12/31/2027, valid on both DoorDash and Caviar; auto-renews at the then-current monthly DashPass rate after the complimentary period unless canceled
- Membership$10 off quarterly on one qualifying DoorDash non-restaurant order each calendar quarter after activating the Plus card DashPass membership; discount applies to subtotal only, does not roll over, and requires using the Plus card at checkout
- No foreign feesNo foreign transaction fees on purchases made outside the United States (Visa card; standard Chase Southwest cobrand benefit)
- Airline perkSunset legacy benefits: the prior two EarlyBird Check-In credits per anniversary year on the Plus card were retired in the late-2025/early-2026 refresh; current Plus cardholders should not expect EarlyBird credits in the 2026 benefit set per the parallel TPG documentation on the Priority refresh
- Airline perkIn-flight purchase rebate: Less generous than Premier and Priority cards in spirit but actually now MATCHES them at 25% back on inflight Wi-Fi and drinks under the refreshed cobrand suite; this is one of the few benefit areas where the entry-level Plus is fully aligned with the higher-tier Southwest cards
Travel & purchase protections
5- Lost luggage reimbursement up to $3,000 per covered traveler for checked or carry-on baggage that is lost, damaged, or stolen during a covered trip (NY residents capped at $2,000 per bag and $10,000 per trip; standard Chase Visa Southwest benefit)
- Baggage delay insurance up to $100 per day for up to 3 days for essential purchases like toiletries and clothing when checked baggage is delayed more than 6 hours
- Purchase protection covers eligible new purchases for 120 days from date of purchase (90 days for NY residents) against damage or theft, up to $500 per item
- Extended warranty protection extends the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less, up to 4 years total from date of purchase
- Auto rental collision damage waiver: secondary coverage inside the United States and primary outside the United States when you decline the rental company's CDW and charge the rental to the card
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How to Earn the Bonus
Spend $1,000 in the first 3 months to earn the 50,000 bonus points bonus.
See the Current Offer
Earn 50,000 bonus points
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
