MaxRewards Logo
  • App
  • Platinum
Sign Up
MaxRewards Logo

Join over 900,000 members maximizing their rewards

Download on Google PlayDownload on the App Store
  • Facebook
  • Instagram
  • TikTok
  • LinkedIn
App
  • Best Card
  • Offers
  • Benefits
  • Insights
  • Aggregation
  • Platinum
Resources
  • About
  • Changelog
  • Careers
  • Help Center
  • Contact Us
Travel & Perks
  • Best Travel Credit Cards
  • Best Premium Credit Cards
  • Best Airline Credit Cards
  • Best Hotel Credit Cards
  • Best Welcome Offer Credit Cards
Everyday Rewards
  • Best Cash Back Credit Cards
  • Best Restaurants Credit Cards
  • Best Groceries Credit Cards
  • Best Gas & EV Credit Cards
  • Best No-Annual-Fee Credit Cards
Credit & Needs
  • Best Beginner Credit Cards
  • Best Student Credit Cards
  • Best Business Credit Cards

© 2026 MaxRewards. All Rights Reserved.

Terms & ConditionsPrivacy Policy
  1. Credit Cards
  2. Southwest Rapid Rewards® Priority Credit Card
Chase

Southwest Rapid Rewards® Priority Credit Card

This card is built for regular Southwest flyers who want airline-specific perks to matter as much as points. It works best as a loyalty card for people who check bags, fly Southwest several times a year, and can use the anniversary points and travel benefits to offset the $229 annual fee, not as a general everyday spending card.

Welcome Offer
Earn 60,000 bonus points
Annual Fee
$229
Rec. Credit Score
Good
Good For
Frequent Southwest flyers
Learn MoreEstimate your value
Southwest Rapid Rewards® Priority Credit Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

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® Priority Credit Card worth it?

This card is great for...

Checked bag savings

Southwest family trips

Companion Pass progress

The Southwest Rapid Rewards Priority Credit Card is worth it for travelers who already choose Southwest and will actually use its built-in flight perks. The annual 7,500 bonus points carry real value on their own, and the first checked bag free benefit can save a lot for cardholders who travel with luggage, especially when flying with family members on the same reservation. Group 5 boarding and the yearly Companion Pass qualifying points boost also make the card more useful for people who fly the airline often enough to care about a smoother airport experience and faster progress toward Southwest's most valuable loyalty perk.

It is a weaker fit if you want one card to cover most of your spending. Outside Southwest purchases, the rewards rates are only decent, and many travel cards at this price do more across a wider range of airlines and travel purchases. If Southwest is your main airline, this card makes sense as a keeper card. If you only fly it occasionally, the fee is harder to justify.

MaxRewards

MaxRewards Verdict

A strong fit for loyal Southwest travelers, especially those who check bags or fly with companions and family. Its value comes from airline-specific perks and anniversary points, while its everyday rewards are not compelling enough for most people to use it as a primary card.

Welcome Offer

Earn 60,000 bonus points

after spending $2,000 on purchases in the first 3 months from account opening.

Est. Value

$900

Required Spend

$2,000

Time Frame

3 Months

Est. Value

$900

Required Spend

$2,000

Time Frame

3 Months

Earning

Rewards

Rapid Rewards points are straightforward to use because their value generally tracks the cash price of Southwest flights. Most of this card's earning power is tied to Southwest purchases, with modest bonus categories for gas stations and restaurants and standard value everywhere else.

CategoryRate

Flights (Southwest Airlines), Inflight Purchases (Southwest Airlines), Gift Cards (Southwest Airlines)

6%

Car Rental

Oct 1 – Dec 31

3%

Hotel

Oct 1 – Dec 31

3%

Ride-Sharing

Oct 1 – Dec 31

3%

Streaming

Oct 1 – Dec 31

3%

Telecommunication

Oct 1 – Dec 31

3%

Transit

Oct 1 – Dec 31

3%

Gas Stations, Restaurants

3%

All Other Purchases

1.5%

Rewards percent based on a valuation of 1.5¢ per Southwest point

Annual Credits & Perks

Benefits

The real story here is the travel value beyond the points. If you fly Southwest often, the bag benefit, boarding perk, anniversary points, and Companion Pass boost are the features most likely to justify keeping the card year after year.

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® Priority Credit CardDoorDash 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

Earn 2,500 tier qualifying points (TQPs) toward A-List status for every $5,000 spent in purchases annually accelerating your way to A-List status.


Complimentary DashPass Membership

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

Benefits

Other

7,500 anniversary points

7,500 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.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good 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

$229

Purchase APR

19.24% - 27.74%

Variable

Transfer APR

19.24% - 27.74%

Variable

Cash Advance APR

28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$10

Late Payment

None

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

Table of Contents

Southwest Rapid Rewards® Priority Credit Card

Southwest Rapid Rewards® Priority Credit Card

Learn More

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

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

Recognition

Featured in

  • #3Best Airline Credit CardsView list
  • #12Best Travel Credit CardsView list

Other cards from Chase

See all 45 cards
Sapphire Reserve for Business℠Sapphire Reserve for Business℠

Earn 200,000 bonus points

Worth $2,500

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.

  • 6.25%10%Airline Tickets (Chase Travel), Hotels (Including The Edit) (Chase Travel), Car Rentals (Chase Travel), Cruises (Chase Travel), Activities and Tours (Chase Travel)
  • 6.25%6.25%Lyft Rides
  • 6.25%5%Flights (Booked Direct), Hotels (Booked Direct)

Annual Fee

$795

Rec. Credit

Good

View card details
Chase Sapphire Preferred® CardChase Sapphire Preferred® Card

Earn 100,000 bonus points

Worth $1,250

After you spend $5,000 on purchases in the first 3 months from account opening.

  • 6.25%6.25%Travel (Chase Travel)
  • 6.25%3.75%Dining
  • 6.25%3.75%Gas, EV Charging

Annual Fee

$95

Rec. Credit

Good

View card details
Chase Sapphire Reserve®Chase Sapphire Reserve®

Earn 100,000 bonus points

Worth $1,250

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

  • 6.25%10%Purchases (Chase Travel), The Edit (Chase Travel)
  • 6.25%5%Flights (Booked Direct), Hotels (Booked Direct)
  • 6.25%3.75%Dining (Worldwide)

Annual Fee

$795

Rec. Credit

Excellent

View card details