Southwest Rapid Rewards Premier

Earning Rates

Key Benefits

• 3x on Southwest
• 6k anniversary points
• Free first checked bag
• 15% anniversary promo code

All Benefits

• Earn 55,000 bonus Rapid Rewards points after spending $1,500 on purchases in the first 3 months from account opening (current Chase public offer on the Southwest Rapid Rewards Premier Credit Card issuer page)
• $149 annual fee, applied to the first billing statement (unchanged through the late-2025 Southwest cobrand refresh; Chase issuer page)
• 6,000 Rapid Rewards anniversary bonus points each cardmember anniversary year (worth roughly $84 at TPG's February 2026 valuation of 1.4 cents per Rapid Rewards point)
• 3x Rapid Rewards points per dollar on Southwest Airlines purchases booked directly with Southwest (refreshed earn rate; Chase issuer page)
• 2x Rapid Rewards points per dollar on the first $8,000 in combined purchases each account anniversary year at grocery stores and dining at restaurants; after $8,000, those categories revert to 1x (this is the post-refresh 2X bonus category; the old Premier 2X categories on Rapid Rewards hotel and car partners, local transit and commuting, and internet/cable/phone/select streaming were sunset on December 31, 2025 per TPG's October 29, 2025 cobrand refresh coverage)
• 1x Rapid Rewards points per dollar on all other purchases, with no cap
• Cardholder brief originally specified the legacy Premier earn structure (2X Rapid Rewards hotel/car, 2X transit/commuting, 2X internet/cable/phone/select streaming) and four annual EarlyBird Check-In credits; per Chase's current issuer page and TPG, those benefits and categories no longer apply post-refresh and the verified 2026 earn structure is 3X Southwest / 2X grocery and restaurants on first $8,000 / 1X other
• First checked bag free for the cardmember and up to 8 additional passengers on the same Southwest reservation, a refresh benefit added in late 2025 after Southwest began charging $35 for the first checked bag (Chase issuer page)
• Complimentary Preferred seat selection within 48 hours prior to departure, when available, valued by Chase at roughly $70 round trip (refreshed cabin perk on the Premier; Chase issuer page)
• Group 5 priority boarding for the cardmember and up to 8 additional passengers on the same reservation, aligned with Southwest's January 2026 boarding overhaul (Chase issuer page)
• 25% back as a statement credit on Southwest inflight purchases including Wi-Fi and drinks when charged to the card; 25% rebate also extends to authorized users on the account (Chase issuer page)
• 15% Flight Discount promotion code delivered each cardmember anniversary year, valid for one year from issuance, excluding Basic fare bookings (Chase issuer page)
• 1,500 tier qualifying points (TQPs) toward Southwest A-List and A-List Preferred status for every $5,000 spent on purchases annually, with no stated cap; A-List requires 35,000 TQPs in a calendar year, so roughly $117,000 of card spend would fully qualify (Chase issuer page)
• 10,000 Companion Pass qualifying points boost each calendar year just for being a cardmember, deposited by January 31 each year or within 30 days of account opening; reduces the 135,000 calendar-year Companion Pass threshold to 125,000 additional qualifying points to earn (Chase issuer page; Frequent Miler 2025 Companion Pass Complete Guide)
• Companion Pass qualifying points are earned from revenue Southwest flights, base points from Rapid Rewards partners, and points from Rapid Rewards credit card spend; per Frequent Miler's 2025 guide, both Southwest credit card spend and Southwest credit card welcome bonus points still count toward the Companion Pass requirement
• Earn up to 100,000 bonus referral points per year by referring friends or businesses approved for any Southwest Rapid Rewards credit card (20,000 bonus points per approval, capped at 5 approvals/100K points per calendar year; Chase issuer page)
• Up to $10 off quarterly on one qualifying non-restaurant order on DoorDash through December 31, 2027 when enrolled in DashPass and paying with the card; complimentary DashPass membership is also included for both DoorDash and Caviar with $0 delivery fees and reduced service fees on eligible orders (Chase issuer page)
• No foreign transaction fees on purchases made outside the United States (Chase issuer page; Visa network card)
• Points do not expire as long as the Southwest Rapid Rewards account remains open and in good standing (Southwest Rapid Rewards program rule reiterated on the Chase Premier issuer page; points earned on the card are automatically transferred to the cardmember's Rapid Rewards account after each billing cycle)
• Earn 1 point per $1 on the first $15,000 of balance transfers made during the first 90 days from account opening (a separate 1X balance-transfer-earning quirk per Chase's pricing and terms; balance transfers themselves do not count as purchases for the welcome bonus)
• Lost luggage reimbursement up to $3,000 per covered traveler for checked or carry-on baggage lost, damaged, or stolen during a covered trip (NY residents capped at $2,000 per bag and $10,000 per trip; standard Chase Visa Signature Premier travel coverage)
• Baggage delay insurance up to $100 per day for up to 3 days for essential purchases when checked baggage is delayed more than 6 hours (Chase Visa Signature Premier travel coverage)
• 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 (Chase Visa Signature Premier purchase coverage)
• Extended warranty protection extends the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less (Chase Visa Signature Premier purchase coverage)
• Auto rental collision damage waiver provides secondary coverage inside the United States and primary coverage outside the United States when the rental is paid in full with the card and the rental company's CDW is declined (standard Chase Visa Signature Premier auto coverage)
• 5/24 rule applies: Chase will typically decline applicants who have opened 5 or more new credit card accounts across all issuers in the past 24 months
• Welcome bonus eligibility restriction: ineligible if you currently hold any Southwest Rapid Rewards personal credit card or have received a Southwest personal-card welcome bonus in the past 24 months; Southwest business cards do not block personal-card eligibility (Chase pricing and terms)
• Visa Signature card network (Chase issues the Southwest Rapid Rewards Premier on Visa; confirmed by Chase issuer page metadata)
• EarlyBird Check-In credits (legacy): Not offered on the refreshed Premier as of 2026; the prior four annual EarlyBird Check-In credits were sunset on December 31, 2025 as part of the Southwest cobrand refresh per TPG's October 29, 2025 coverage and no EarlyBird benefit is listed on the current Chase Premier issuer page
• Airport lounge access: Not offered (Southwest does not operate airport lounges and Premier includes no Priority Pass, Sapphire Lounge, or other lounge benefit; consistent across One Mile at a Time and TPG Southwest cobrand reviews)
• Transferable-currency transfer partners: Not applicable; Rapid Rewards points earned on this Chase cobrand cannot be transferred to other airline or hotel programs and stay within Southwest Rapid Rewards
• Global Entry, TSA PreCheck, or NEXUS application fee credit: Not offered on the Premier (per OMAAT, this credit is only on Southwest Performance Business among the Southwest cobrand lineup)
• Cell phone protection: Not offered on the Premier (Chase does not list cell phone protection in the Travel & purchase coverage section of the Premier issuer page)
• Trip cancellation/interruption insurance and trip delay reimbursement: Not listed in the Chase Premier Travel & purchase coverage section; the Premier's travel insurance suite is limited to lost luggage and baggage delay, unlike Chase Sapphire Preferred and Sapphire Reserve
• Hotel or airline elite status grant: Not offered as a complimentary status match; the card helps earn Southwest A-List via TQP accelerator and Companion Pass via the 10,000-point boost, but does not grant status automatically