2x Southwest purchases and on the first $5,000 in combined gas station & grocery purchases each year, 1x elsewhere — plus 80,000 bonus points after $1,000 on purchases in the first 3 months; limited-time offer checked November 1, 2026.
2x Southwest purchases and on the first $5,000 in combined gas station & grocery purchases each year, 1x elsewhere
Credit eligibility
Issuer review required; no guaranteed score cutoff
Sign-Up Bonus
80,000 bonus points after $1,000 on purchases in the first 3 months; limited-time offer checked November 1, 2026
$
Rates & Fees
Annual Fee
$99
Purchase APR
19.49%–27.99% variable
Foreign Transaction Fee
None
Balance Transfer Fee
Either $5 or 5% of each transfer, whichever is greater
Cash Advance Fee
Either $10 or 5% of each transaction, whichever is greater
Late Payment Fee
Up to $40
✦
Estimate Your Rewards
See how this card fits your monthly spending
Enter your typical monthly spend by category to see roughly what the Southwest Rapid Rewards® Plus Credit Card would earn you per year (this doesn't include any one-time sign-up bonus).
Assumes steady monthly spending at eligible merchants. Portal-only, selected and rotating bonuses are excluded unless explicitly modeled. Statement credits and welcome bonuses are excluded. Points use an assumed value of 1¢ each; actual redemption value varies.
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo
Note: The 2x Southwest Airlines rate is merchant-specific and not modeled, so general travel uses 1x. Point value is a conservative estimate, not a Chase figure.
Est. Annual Rewards
$284/yr
After $99 Annual Fee
$185/yr
Based On
$1,950/mo
Key Features
✓
3,000 bonus points each account anniversary year
✓
2x on the first $5,000 in combined gas and grocery purchases
✓
No foreign transaction fees
Pros & Cons
✓ Pros
2x on Southwest Airlines purchases
Anniversary points every year
No foreign transaction fees
– Tradeoffs
$99 annual fee
Points are tied to Southwest
The displayed score is an estimate, not a Chase cutoff
How to Apply
1
Check Chase's eligibility information and any prequalification option. A credit score alone does not establish approval; income, debt and credit history also matter.
2
Gather your Social Security number, annual income, housing payment, and employer details before starting the application.
3
Apply directly through Chase's official site or app to make sure you're getting current, accurate offer terms.
4
Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.
5
If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.
How It Compares
Current product highlighted
Product
Annual Fee
Purchase APR
Rewards Rate
Southwest Rapid Rewards® Plus Credit Card
$99
19.49%–27.99%
2x Southwest purchases and on the first $5,000 in combined gas station & grocery purchases each year, 1x elsewhere
10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else
Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.