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Southwest Rapid Rewards Plus Credit Card

The Southwest Rapid Rewards Plus Credit Card is the lowest fee personal Southwest card in Chase's line, at $99 a year. It earns Rapid Rewards points at 2x on Southwest purchases and on the first $5,000 in combined gas station and grocery store purchases each anniversary year, and 1x on everything else, with no foreign transaction fee.

Facts read from the Chase official Southwest Rapid Rewards Plus card page on October 22, 2026. How we check them: methodology.

Earn rates, as the issuer prints them

Two lanes pay 2x: Southwest purchases, and gas stations and grocery stores together up to $5,000 of combined purchases a year; past that cap those purchases earn 1x. Dining and everything else earn 1x. The points are Rapid Rewards points, whose value is tied to Southwest fares; the Rapid Rewards hub covers how the program prices awards.

A year of spending on this card, worked out

Arithmetic illustration with stated inputs: $2,400 a year on Southwest tickets, $5,000 at gas stations and grocery stores (at the combined cap) and $6,600 on other purchases earns 4,800 + 10,000 + 6,600 = 21,400 points, plus the 3,000 anniversary points the issuer page lists each year, for 24,400 points before the $99 fee is weighed.

Welcome offer as published

As published on the issuer page: 50,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening.

The 50,000 bonus points need $1,000 in purchases in the first three months, about $333 a month. That spend earns at least 1,000 points of its own at 1x. The offer pays once; the standing return is the two 2x lanes and the anniversary points described in the fee test.

Who this earn structure suits

Southwest flyers who book the airline directly and also spend at gas stations and grocery stores, the two everyday lanes that share a $5,000 yearly 2x cap. Points land in Rapid Rewards and stay there, so the card suits a household that already flies Southwest.

Notes from the issuer page

• The issuer page checked also lists 3,000 anniversary points each year, a 10% promo code each cardmember anniversary (Basic fares excluded), and a 10,000 Companion Pass qualifying points boost each year.
• Chase's page checked also lists a first checked bag free for the cardmember and up to 8 additional passengers in the same reservation.

The traps to check in your account

• Points land in Southwest Rapid Rewards. They are not bank points, so there is no bank transfer step. Read its hub for what they book.
• The 2x rate at gas stations and grocery stores stops at $5,000 of combined purchases a year. A household that spends more there earns 1x on the rest.
• Interest on a carried balance can outweigh the rewards, so the earn table assumes you pay in full.