Chase · Visa
Southwest Rapid Rewards Plus
Annual Fee
$99
up to $120/yr in credits if you use them
$42/yr arrives automatically
Sign-Up Bonus
$700
Current offer shown; issuer determines eligibility.
Spend $1,000 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
Occasional Southwest flyers who want a free checked bag at a low fee
Sign-Up Bonus
Bonus: 50,000 points
Details: 50,000 bonus points after $1,000 spend in 3 months (standing offer; the 80k elevated promo ended 07/02/2026)
Requirement: Spend $1,000 in 3 months
Estimated value: $700Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Southwest Airlines purchases
Gas stations (first $5k/yr combined with grocery, then 1x)
Cap: $5,000/yr
Grocery stores (first $5k/yr combined with gas, then 1x)
Cap: $5,000/yr
Point value: ~1.4¢ each
Key Benefits
Arrives automatically
Deposited each cardmember anniversary
Credits — if you use them
$10/month in Instacart statement credits — Instacart+ membership required
Perks (not counted in our math)
For you on every Southwest flight (Southwest now charges for checked bags otherwise)
10% promo code each year on your cardmember anniversary (excludes Basic fare)
Companion Pass qualifying points boost each year
Board no later than Group 5
Statement credit on Southwest inflight purchases
Pros & Cons
Pros
- + First checked bag free on every flight (now that Southwest charges for bags)
- + 80,000-point welcome offer with an easy $1k spend
- + 2x on gas & groceries (first $5k/yr) plus Southwest purchases
- + Points count toward the Companion Pass
Cons
- - $99 annual fee — raised from $69 in the 2025 refresh
- - Points only useful on Southwest (no airline transfer partners)
- - 2x gas/grocery capped at $5,000/yr combined
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.