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2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

All detailsDifferences only

Credit card comparison
Overview
	Southwest Rapid Rewards Plus Credit Card Chase · $99/yr	Southwest Rapid Rewards Premier Credit Card Chase · $149/yr
Annual fee	$99 Lowest	$149
Welcome offerCurrent public offer	50,000 points	55,000 points
Rewards	Southwest Rapid Rewards	Southwest Rapid Rewards
Foreign transaction fee	None	None
Network	Visa Signature	Visa Signature
Earn ratesPer $1 spent
Dining	1x	2x Highest
Gas Stations	2x Highest	1x
Grocery Stores	2x	2x
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Dining & delivery	$40/yr DoorDash + DashPass $10/mo Instacart+	$10/mo Instacart+ DoorDash DashPass
Perks & access— means none on record
Airline perks	Free first checked bag for you and 8 companions Board with Group 5 for overhead bin access 10% off Southwest flights each anniversary year Free Standard seat selection 48 hours before departure	10,000 Companion Pass® qualifying points Free first checked bag for you and 8 companions Board with Group 5 for overhead bin access 15% Flight Discount Complimentary Preferred seat
Other perks	No foreign transaction fees 24/7 roadside assistance dispatch 24/7 travel and emergency assistance	No foreign transaction fees 24/7 roadside assistance dispatch 24/7 travel and emergency assistance
Protections & insuranceLimits where published · — means none on record
Trip insurance	$500,000 travel accident insurance	$500,000 travel accident insurance
Baggage	Lost luggage reimbursement coverage $100/day baggage delay coverage for up to 3 days · up to $300	Baggage delay insurance for essential purchases Lost luggage reimbursement coverage
Rental car	Auto rental collision damage waiver	Auto rental collision damage waiver
Purchase & returns	120-day purchase protection coverage	120-day purchase protection coverage
Extended warranty	Extended warranty protection for purchases	Extended warranty protection for purchases
Pros & cons
Pros	Lowest annual fee ($99) among Southwest cards while still earning 10,000 Companion Pass qualifying points annually 3,000 anniversary bonus points help offset annual fee 2x points on gas and groceries (first $5K combined) adds everyday earning value Free first checked bag for cardholder and up to 8 passengers on same reservation 10% anniversary promo code for Southwest flights	6,000 anniversary bonus points ($90+ value) help justify the annual fee 10,000 Companion Pass qualifying points boost annually accelerates free companion flights 2x on grocery stores and restaurants (first $8K combined) adds everyday earning Earn 1,500 TQPs toward A-List status per $5K annual spend Complimentary Preferred or Standard seat selection within 48 hours of departure, when available
Cons	Only standard seat selection (Premier/Priority get preferred seats, Priority gets Extra Legroom) Lower 3,000 anniversary points vs 6,000 (Premier) or 7,500 (Priority) No tier qualifying points toward A-List status Only 1x points on non-category purchases limits everyday earning $5,000 combined cap on 2x gas/grocery earning restricts bonus potential	$149 annual fee may not be justified for infrequent Southwest flyers No Extra Legroom upgrades (Priority cardholders get unlimited upgrades at 48 hours) Only 1x points on non-category purchases limits everyday earning potential 1,500 TQPs per $5K spent is less than Priority's 2,500 TQPs Limited bonus categories — only grocery/restaurants at 2x (old transit/internet/RR partners expired)
	Card details	Card details

Southwest Rapid Rewards Plus Credit Card
Chase · $99/yr
Southwest Rapid Rewards Premier Credit Card
Chase · $149/yr

Overview

Annual fee: Southwest Rapid Rewards Plus Credit Card
$99
Lowest
Southwest Rapid Rewards Premier Credit Card
$149
Welcome offerCurrent public offer: Southwest Rapid Rewards Plus Credit Card
50,000 points
Southwest Rapid Rewards Premier Credit Card
55,000 points
Rewards: Southwest Rapid Rewards Plus Credit Card
Southwest Rapid Rewards
Southwest Rapid Rewards Premier Credit Card
Southwest Rapid Rewards
Foreign transaction fee: Southwest Rapid Rewards Plus Credit Card
None
Southwest Rapid Rewards Premier Credit Card
None
Network: Southwest Rapid Rewards Plus Credit Card
Visa Signature
Southwest Rapid Rewards Premier Credit Card
Visa Signature

Earn ratesPer $1 spent

Dining: Southwest Rapid Rewards Plus Credit Card
1x
Southwest Rapid Rewards Premier Credit Card
2x
Highest
Gas Stations: Southwest Rapid Rewards Plus Credit Card
2x
Highest
Southwest Rapid Rewards Premier Credit Card
1x
Grocery Stores: Southwest Rapid Rewards Plus Credit Card
2x
Southwest Rapid Rewards Premier Credit Card
2x
Everything else: Southwest Rapid Rewards Plus Credit Card
1x
Southwest Rapid Rewards Premier Credit Card
1x

Statement creditsAs the issuer states them · — means none on record

Dining & delivery: Southwest Rapid Rewards Plus Credit Card
$40/yr DoorDash + DashPass
$10/mo Instacart+
Southwest Rapid Rewards Premier Credit Card
$10/mo Instacart+
DoorDash DashPass

Perks & access— means none on record

Airline perks: Southwest Rapid Rewards Plus Credit Card
Free first checked bag for you and 8 companions
Board with Group 5 for overhead bin access
10% off Southwest flights each anniversary year
Free Standard seat selection 48 hours before departure
Southwest Rapid Rewards Premier Credit Card
10,000 Companion Pass® qualifying points
Free first checked bag for you and 8 companions
Board with Group 5 for overhead bin access
15% Flight Discount
Complimentary Preferred seat
Other perks: Southwest Rapid Rewards Plus Credit Card
No foreign transaction fees
24/7 roadside assistance dispatch
24/7 travel and emergency assistance
Southwest Rapid Rewards Premier Credit Card
No foreign transaction fees
24/7 roadside assistance dispatch
24/7 travel and emergency assistance

Protections & insuranceLimits where published · — means none on record

Trip insurance: Southwest Rapid Rewards Plus Credit Card
$500,000 travel accident insurance
Southwest Rapid Rewards Premier Credit Card
$500,000 travel accident insurance
Baggage: Southwest Rapid Rewards Plus Credit Card
Lost luggage reimbursement coverage
$100/day baggage delay coverage for up to 3 days · up to $300
Southwest Rapid Rewards Premier Credit Card
Baggage delay insurance for essential purchases
Lost luggage reimbursement coverage
Rental car: Southwest Rapid Rewards Plus Credit Card
Auto rental collision damage waiver
Southwest Rapid Rewards Premier Credit Card
Auto rental collision damage waiver
Purchase & returns: Southwest Rapid Rewards Plus Credit Card
120-day purchase protection coverage
Southwest Rapid Rewards Premier Credit Card
120-day purchase protection coverage
Extended warranty: Southwest Rapid Rewards Plus Credit Card
Extended warranty protection for purchases
Southwest Rapid Rewards Premier Credit Card
Extended warranty protection for purchases

Pros & cons

Pros: Southwest Rapid Rewards Plus Credit Card
Lowest annual fee ($99) among Southwest cards while still earning 10,000 Companion Pass qualifying points annually
3,000 anniversary bonus points help offset annual fee
2x points on gas and groceries (first $5K combined) adds everyday earning value
Free first checked bag for cardholder and up to 8 passengers on same reservation
10% anniversary promo code for Southwest flights
Southwest Rapid Rewards Premier Credit Card
6,000 anniversary bonus points ($90+ value) help justify the annual fee
10,000 Companion Pass qualifying points boost annually accelerates free companion flights
2x on grocery stores and restaurants (first $8K combined) adds everyday earning
Earn 1,500 TQPs toward A-List status per $5K annual spend
Complimentary Preferred or Standard seat selection within 48 hours of departure, when available
Cons: Southwest Rapid Rewards Plus Credit Card
Only standard seat selection (Premier/Priority get preferred seats, Priority gets Extra Legroom)
Lower 3,000 anniversary points vs 6,000 (Premier) or 7,500 (Priority)
No tier qualifying points toward A-List status
Only 1x points on non-category purchases limits everyday earning
$5,000 combined cap on 2x gas/grocery earning restricts bonus potential
Southwest Rapid Rewards Premier Credit Card
$149 annual fee may not be justified for infrequent Southwest flyers
No Extra Legroom upgrades (Priority cardholders get unlimited upgrades at 48 hours)
Only 1x points on non-category purchases limits everyday earning potential
1,500 TQPs per $5K spent is less than Priority's 2,500 TQPs
Limited bonus categories — only grocery/restaurants at 2x (old transit/internet/RR partners expired)

Card details

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