Our illustration in the card’s colours, not its design
Chase credit card
Southwest Rapid Rewards Plus Credit Card
- Bonus up · 50,000 to 80,000 · Nov 1, 2026
- APR up · 19.24% to 19.49% · Oct 10, 2026
$99 a year. 80,000 Rapid Rewards points after you spend $1,000 in 3 months. Purchase APR 19.49–27.99%, variable. No foreign transaction fees.
Checked Nov 8, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 8, 2026
Issuer's page · chase.com
“Earn 80,000 bonus points”
- Annual fee
- Receipt · Annual feeChecked Nov 8, 2026
Issuer's page · chase.com
“$99 applied to first billing statement. † Opens pricing and terms in new window”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 8, 2026
Issuer's page · sites.chase.com
“19.49% to 27.99% , based on your creditworthiness and other factors.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 8, 2026
Issuer's page · sites.chase.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Chase’s terms
Welcome offer
80,000 points
After you spend $1,000 on purchases in your first 3 months.
- Spending it takes
- $333 a month
- for 3 months
- Tracking since
- Nov 1, 2026
- history will chart every change
Allow 6 to 8 weeks for the bonus to post to the Rapid Rewards account after qualifying. Account must be open and not in default at fulfillment. Balance transfers, cash advances, cash-like transactions, betting transactions, person-to-person transfers, interest, unauthorized or fraudulent charges, and fees (including annual fee) do not count as purchases. Not available to current Southwest Rapid Rewards Credit Cardmembers or to previous cardmembers who received a new Cardmember bonus within the last 24 months.
- The highest we’ve seen on this card: above every earlier offer (most recently 50,000 Rapid Rewards points until 2026-11-01).
Who can get it: If you’ve had a bonus on this card or one of its family in the last 24 months (2 years), you can’t get it again yet.
“The credit card is not available to either (i) current Cardmembers of any Southwest Rapid Rewards ® Credit Card, or (ii) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months.”
The issuer’s terms, from its page, as of Oct 12, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$100 | −$100 | |
| Typical spender | −$100 | −$100 | |
| Heavy spender | −$100 | −$100 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢; rewards spendable only with Southwest Rapid Rewards: not counted (brand_rewards).
−$100a year
The same in the first year and after.
Rewards and credits$0
−$100 after the fee−$100 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; rewards spendable only with Southwest Rapid Rewards: not counted (brand_rewards).
−$100a year
The same in the first year and after.
Rewards and credits$0
−$100 after the fee−$100 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢; rewards spendable only with Southwest Rapid Rewards: not counted (brand_rewards).
−$100a year
The same in the first year and after.
Rewards and credits$0
−$100 after the fee−$100 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢; rewards spendable only with Southwest Rapid Rewards: not counted (brand_rewards).
Use your own spending
Estimates from the published terms above, as checked Nov 8, 2026; not advice. How we value cards
Against the market
How it compares
- Lower top APR than about 40% of the 163 cards on our Sign-up bonuses list (see the list).
Other points cards with fees up to $100
- Bilt ObsidianBilt · $95 a year+$645 a year
- Chase Sapphire PreferredChase · $95 a year+$585 a year
- Citi Strata Premier - TravelCiti · $95 a year+$570 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Southwest Rapid Rewards
How you earn
- 2×
- Southwest Airlines purchases, including flight, inflight, Southwest gift cards, and Getaways by Southwest packagesGas stationsGrocery storesQualifying Lyft products and services, including rideshare, bike and scooter rides, and subscription and membership products, purchased through the Lyft mobile application through 12/31/2027
- 1×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 1¢.
Benefits
- Instacart monthly credit: $10 monthly
- DoorDash non-restaurant order discount: $10 other
- Baggage: Up to $3,000 per covered traveler; for New York residents, additionally limited to $2,000 per bag and $10,000 for all covered travelers per trip.
- Baggage: Up to $100 per day for up to 3 days.
- Extended warranty: Up to four years from the date of purchase.
All 6 benefits
- Purchase protection: Up to $500 per item; for New York residents, the coverage period is 90 days from the date of purchase.
Changes
- Nov 1, 2026 Bonus 50,000 to 80,000
- Oct 10, 2026 APR 19.24% to 19.49%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 8, 2026 Issuer's page · chase.com “$99 applied to first billing statement. † Opens pricing and terms in new window” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 8, 2026 Issuer's page · sites.chase.com “19.49% to 27.99% , based on your creditworthiness and other factors.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 8, 2026 Issuer's page · sites.chase.com “19.49% to 27.99% , based on your creditworthiness and other factors.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 8, 2026 Issuer's page · sites.chase.com “Either $5 or 5% of the amount of each transfer, whichever is greater.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 8, 2026 Issuer's page · sites.chase.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had a bonus on this card or one of its family in the last 24 months (2 years), you can’t get it again yet.
Questions
- What is the annual fee?
- $99 · chase.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · sites.chase.com, since Sep 29, 2026
- What is the purchase APR?
- 19.49–27.99% APR · sites.chase.com, since Oct 10, 2026
- Is there a welcome bonus?
- 80,000 Rapid Rewards points after $1,000 in purchases in 3 months. · chase.com, since Nov 1, 2026