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Chase · credit
Last updated
Is the Southwest Plus worth keeping when the fee hits?
Welcome offer — 80,000 points after $1,000 spend in 3 months (offer cycles) Inferred by source
Portal caveat — Chase Travel averages ~5.94% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 2× | Southwest purchases Verified by source |
|---|---|
| 2× | Gas & groceries (first $5,000/yr combined) Verified by source |
| 1× | Everything else Verified by source |
| Anniversary bonus points (3,000 pts) | $40/yr · annual Verified by source |
|---|
No lounge access.
| Rental car CDW | Auto rental collision damage waiver (secondary) Verified by source |
|---|---|
| Baggage | Baggage delay + lost luggage reimbursement Verified by source |
| Travel accident | Travel accident insurance up to $500,000 Verified by source |
Using Southwest Plus at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Southwest Rapid Rewards® Plus Credit Card has a $99 annual fee.
Using its non-spend-gated credits fully, the Southwest Rapid Rewards® Plus Credit Card returns about $40 in value against its $99 annual fee — a net of −$59 per year. It only makes sense if you value its perks beyond the listed credits.
The Southwest Rapid Rewards® Plus Credit Card earns 2x on southwest purchases, 2x on gas & groceries (first $5,000/yr combined), 1x on everything else.
No — the Southwest Rapid Rewards® Plus Credit Card does not include airport lounge access.
No — the Southwest Rapid Rewards® Plus Credit Card has no foreign transaction fee, so it's a good card to use abroad.
80,000 points after $1,000 spend in 3 months (offer cycles). Welcome offers change frequently — confirm the current one on the issuer's page before applying.