Chase · Visa

Southwest Rapid Rewards Plus Card

$99 annual fee · $40/yr in printed statement credits · 1x on everything else · no foreign transaction fees

Earn rates · how we got this

Category	Rate	Cap
Gas	2x	on the first $5,000/year
Groceries	2x	on the first $5,000/year
Everything else	1x	uncapped
Flights at Southwest only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site	2x	uncapped

See how it ranks: best gas cards · best groceries cards.

Signup bonus: 50,000 points after $1,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-14.

Statement credits — $40/yr on paper · how we got this

Credit	Value	How it pays
DashPass DoorDash credit	$40/year	quarterly · enrollment required · through 2027-12-31

Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.

Non-cash perks

First checked bag free for cardmember and up to 8 additional passengers on the same reservation
3,000 anniversary bonus points each year on cardmember anniversary
10% flight discount promo code each cardmember anniversary year (excludes Basic fare)
10,000 Companion Pass qualifying points boost each calendar year
Points earned on card purchases count toward Southwest Companion Pass qualification
25% back on inflight purchases
No foreign transaction fees
Standard seat selection within 48 hours of departure, when available, for cardmember and up to 8 additional passengers on the same reservation (for flights operating in 2026)

Does the fee earn out? · how we got this

The $99 fee minus $40 in printed credits leaves $59/yr to earn back through rewards — roughly $2,459 of gas spending at 2x (valuing Southwest Rapid Rewards at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.

Is this $99 fee worth it? See the break-even math →

Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.

Who this card is not for

Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:

A heavy gas spender. The 2x on gas stops after $5,000 of it per year. Past that the same purchases earn its base 1x, so the headline rate describes the first $5,000 only.

Comparing cards in the same currency? See the best cards that earn Southwest Rapid Rewards →