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  1. Credit Cards
  2. Southwest Rapid Rewards® Premier
Chase

Southwest Rapid Rewards® Premier

The Southwest Rapid Rewards® Premier Credit Card is built for frequent Southwest travelers who want to boost their earnings and reach A-List status faster. An automatic annual point bonus and flight discounts help offset the $149 annual fee for loyal airline customers.

Welcome Offer
85,000 Points
Annual Fee
$149
Rec. Credit Score
Excellent
Good For
Frequent Southwest travelers
Estimate your value
Southwest Rapid Rewards® Premier

All information about Southwest Rapid Rewards® Premier has been collected independently by MaxRewards. Southwest Rapid Rewards® Premier is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Southwest Rapid Rewards® Premier worth it?

This card is great for...

Southwest flight bookings

Fast-tracking A-List status

Annual anniversary point bonuses

For regular Southwest passengers, the Rapid Rewards Premier Card provides reliable ongoing value that can easily outweigh its $149 annual fee. Cardholders receive 6,000 bonus points every year on their cardmember anniversary, worth roughly $78 toward award flights, alongside a 15% annual flight discount promo code and preferred Group 5 boarding. Big spenders looking to climb the airline status ladder also benefit from earning 1,500 tier qualifying points toward A-List status for every $5,000 spent. However, travelers who only fly Southwest once or twice a year may have trouble justifying the annual cost. Occasional flyers might find more value in the lower-fee Southwest Rapid Rewards Plus Card or the top-tier Priority Card, which features an annual travel credit that directly offsets most of its higher fee.

MaxRewards

MaxRewards Verdict

This card is a strong choice for Southwest loyalists pursuing elite status, though less frequent flyers may get better value from other airline cards.

Welcome Offer

85,000 Points

after you spend $2,000 on purchases on your new card in your first 3 months of card membership.

Est. Value

$1,105

Required Spend

$2,000

Time Frame

3 Months

Est. Value

$1,105

Required Spend

$2,000

Time Frame

3 Months

Earning

Rewards

You will earn Southwest Rapid Rewards points on all purchases, with the highest return on Southwest flight bookings and secondary rewards on dining.

CategoryRate

Southwest Air

3.9%

Car Rental

Oct 1 – Dec 31

2.6%

Hotel

Oct 1 – Dec 31

2.6%

Ride-Sharing

Oct 1 – Dec 31

2.6%

Streaming

Oct 1 – Dec 31

2.6%

Telecommunication

Oct 1 – Dec 31

2.6%

Transit

Oct 1 – Dec 31

2.6%

Dining

Up to $8,000 spend per year

2.6%

Everywhere

1.3%

Rewards percent based on a valuation of 1.3¢ per Southwest point

Annual Credits & Perks

Benefits

Automatic point bonuses, flight discounts, and built-in travel protections help provide clear annual value for regular Southwest travelers.

BenefitAnnual value
$40

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
Southwest Rapid Rewards® PremierDoorDash non-restaurant promo
Autotracked
$0 of $10Every 3 months

Benefits

Insurance

Purchase Protection

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.


Baggage Delay Insurance

Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.


Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.


Extended Warranty Protection

Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.


Lost Luggage Reimbursement

Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.

Benefits

Status & Access

Get to A-List status faster

Through 12/31/26, earn 1,500 tier qualifying points (TQPs) toward A‑List status for every $5,000 you spend on purchases each year.


Complimentary DashPass membership

$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.

Benefits

Other

6,000 anniversary points

6,000 anniversary points every year on your Cardmember Anniversary.


25% back on inflight purchases

Receive 25% back on inflight purchases.


Boarding benefit

Cardmembers and up to 8 additional passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.


First checked bag free

First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.


15% Flight Discount

Receive a 15% promo code each year on your cardmember anniversary (Excludes Basic fare).

Eligibility

Recommended Minimum Credit

Min: Excellent
Poor
Fair
Good
Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$149

Purchase APR

19.49% - 27.99%

Variable

Transfer APR

19.49% - 27.99%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$10

Late Payment

$40

Return Payment

$40

For rates and fees of Southwest Rapid Rewards® Premier, please visit the Chase website.

Table of Contents

Southwest Rapid Rewards® Premier

Southwest Rapid Rewards® Premier

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

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Sapphire Reserve for Business℠Sapphire Reserve for Business℠
Limited Time Offer

Earn 200,000 bonus points

Worth $3,000

After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

  • 7.5%12%Airline Tickets (Chase Travel), Hotels (Including The Edit) (Chase Travel), Car Rentals (Chase Travel), Cruises (Chase Travel), Activities and Tours (Chase Travel)
  • 7.5%7.5%Lyft Rides
  • 7.5%6%Flights (Booked Direct), Hotels (Booked Direct)

Annual Fee

$795

Rec. Credit

Good

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Air Canada Aeroplan®Air Canada Aeroplan®

115,000 Points

Worth $1,610

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  • 7.5%1.4%Everywhere

Annual Fee

$195

Rec. Credit

Excellent

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Chase Sapphire Reserve®Chase Sapphire Reserve®

Earn 100,000 bonus points

Worth $1,500

After you spend $6,000 on purchases in the first 3 months from account opening.

  • 7.5%12%Purchases (Chase Travel), The Edit (Chase Travel)
  • 7.5%6%Flights, Hotels
  • 7.5%4.5%Dining (Worldwide)

Annual Fee

$795

Rec. Credit

Excellent

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