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Chase credit card

Southwest Rapid Rewards Priority Credit Card

  • Bonus up · 60,00090,000 · Nov 1, 2026
  • APR up · 19.24%19.49% · Oct 10, 2026

$229 a year. 90,000 points after you spend $3,000 in 3 months. Purchase APR 19.49–27.99%, variable. No foreign transaction fees.

Checked Nov 8, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Chase’s terms

Welcome offer

90,000 points

After you spend $3,000 on purchases in your first 3 months.

Spending it takes
$1,000 a month
for 3 months
Tracking since
Nov 1, 2026
history will chart every change

Bonus posts 6 to 8 weeks 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 the annual fee) do not count as purchases.

  • Larger than about 95% of the 44 other points bonuses we track.

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.

SpendingValue against the feeFirst yearAfter
Light spender−$230−$230
Typical spender−$230−$230
Heavy spender−$230−$230
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).

−$230a year

The same in the first year and after.

Rewards and credits$0

−$230 after the fee−$230 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).

−$230a year

The same in the first year and after.

Rewards and credits$0

−$230 after the fee−$230 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).

−$230a year

The same in the first year and after.

Rewards and credits$0

−$230 after the fee−$230 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 $300

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

5×
Qualifying Lyft products and services purchased through the Lyft mobile application
4×
Southwest Airlines purchases, including flight, inflight, Southwest gift cards, and Getaways by Southwest packages
2×
Gas stationsDining at restaurants
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Benefits

  • Instacart monthly credit: $10 monthly
  • DoorDash DashPass discount (activated 09/01/2026 through 12/31/2027): $10 monthly
  • DoorDash DashPass discount (activated 02/01/2025 through 08/31/2026): $10 quarterly
  • Baggage: $3,000 per covered traveler
  • Baggage: $100 a day for up to 3 days
All 7 benefits
  • Extended warranty
  • Purchase protection: $500 per item

Changes

APR
19.24%19.49% since Oct 10Oct 10Today
Welcome bonus
60,000 Rapid Rewards points90,000 points since Nov 1Sep 29Today
  • Nov 1, 2026 Bonus 60,00090,000
  • Oct 10, 2026 APR 19.24%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
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Foreign transactions

Before you apply

  1. 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).
  2. 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)
  3. 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?
$229 · sites.chase.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · sites.chase.com, since Oct 11, 2026
What is the purchase APR?
19.49–27.99% APR · chase.com, since Oct 10, 2026
Is there a welcome bonus?
90,000 points after $3,000 in purchases in 3 months. · chase.com, since Nov 1, 2026
See it on chase.com

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