10 Best Credit Cards for Southwest Rapid Rewards – Points of October 2026
Top picks for Southwest Rapid Rewards – Points from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Southwest Rapid Rewards – Points, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Southwest Rapid Rewards Plus Credit Card earns the top spot for Southwest Rapid Rewards – Points purchases at 2.5¢ per dollar at southwest rapid rewards – points — a $99 annual fee. We ranked every card in our database against Southwest Rapid Rewards – Points purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Southwest Rapid Rewards Plus Credit Card
Chase
- +Official cobrand card — earns Rapid Rewards on all purchases
- +2x on Gas Stations — points worth 1.3¢ each
- +Free First Checked Bag
Southwest Rapid Rewards Priority Credit Card
Chase
- +Official cobrand card — earns Rapid Rewards on all purchases
- +2x on Gas Stations — points worth 1.3¢ each
- +Free First Checked Bag
Southwest Rapid Rewards Premier Credit Card
Chase
- +Official cobrand card — earns Rapid Rewards on all purchases
- +Free First Checked Bag
- +10,000 Companion Pass® qualifying points
Why Southwest Rapid Rewards Plus Credit Card wins for Southwest Rapid Rewards – Points
Southwest Rapid Rewards Plus Credit Card earns 2.5¢ per dollar at Southwest Rapid Rewards – Points, the highest marginal rate in our list for this brand. At 2.5¢ per dollar, rewards cover the $99 fee after about $3,960 a year in Southwest Rapid Rewards – Points spending. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Gas Stations Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Southwest Rapid Rewards Plus Credit CardChase | 2x Rapid Rewards | 2.5¢/$ | $99 | $20 | visa |
| Southwest Rapid Rewards Priority Credit CardChase | 2x Rapid Rewards | 2.5¢/$ | $229 | — | visa |
| Southwest Rapid Rewards Premier Credit CardChase | 1x Rapid Rewards | 1.3¢/$ | $149 | — | visa |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.8¢/$ | $95 | — | mastercard |
| PenFed Platinum Rewards Visa Signature® CardPenFed | 5x points | 5.0¢/$ | $0 | — | visa |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 5.4¢/$ | $95 | — | visa |
| H-D™ H.O.G.™ Elite Visa Signature®U.S. Bank | 5x points | 5.0¢/$ | $99 | $49.50 | visa |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.0¢/$ | $495 | $100 | mastercard |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.3¢/$ | $0 | — | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.8¢/$ | $0 | — | mastercard |
More Options
How to maximize value at Southwest Rapid Rewards – Points
- Use Southwest Rapid Rewards Plus Credit Card for Southwest Rapid Rewards – Points purchases — it earns 2.5¢ per dollar at Southwest Rapid Rewards – Points in our scoring.
- Shopping portals sometimes offer extra rewards at Southwest Rapid Rewards – Points; check current portal rates before you buy.
- Pair Southwest Rapid Rewards Plus Credit Card with Southwest Rapid Rewards Priority Credit Card to cover categories where it earns more — diversifying your spend can lift your blended return.
- Plan a major Southwest Rapid Rewards – Points purchase around your card's welcome offer window — Southwest Rapid Rewards Plus Credit Card's sign-up bonus is worth roughly $625 on top of base rewards.
- Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.
Similar Brands
Other brands in Travel where the top picks above also earn well.
Frequently asked
- What credit card earns the most at Southwest Rapid Rewards – Points?
- Southwest Rapid Rewards Plus Credit Card ranks #1 for Southwest Rapid Rewards – Points in our list at 2.5¢ per dollar at Southwest Rapid Rewards – Points — $99 annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
- Can I stack a shopping portal with my credit card at Southwest Rapid Rewards – Points?
- Shopping portals sometimes offer extra rewards at Southwest Rapid Rewards – Points; check current portal rates before you buy.
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