Chase
Southwest Rapid Rewards Plus
Southwest Rapid Rewards Plus costs $99 annual fee and earns up to 2× on groceries. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Southwest Rapid Rewards Plus returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $99 annual fee
- Best earn rate
- 2× groceries
- Points value
- 1.3¢ a point
- Cash back value.
- Welcome bonus
- 50,000 points
- About $650 if you redeem at 1.3¢ a point, and only if you clear the spending requirement.
- Foreign transaction fee
- none
What the Southwest Rapid Rewards Plus earns
U.S. supermarkets
2×
Gas and EV charging
2×
Flights and hotels booked direct
2×
| Category | Rate | Conditions |
|---|---|---|
| U.S. supermarkets | 2× | |
| Gas and EV charging | 2× | |
| Flights and hotels booked direct | 2× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the Southwest Rapid Rewards Plus right for you?
Enter a typical month. You will see what the Southwest Rapid Rewards Plus returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Southwest Rapid Rewards Premier Top for your numbers
3× travel booked direct, 2× dining; 1× everything else. $149 annual fee.
Rewards $498 · Fee −$149
+$349
2× groceries, 2× gas; 1× everything else. $99 annual fee.
Rewards $431 · Fee −$99
+$332
Southwest Rapid Rewards Priority
4× travel booked direct, 2× dining; 1× everything else. $229 annual fee.
Rewards $477 · Fee −$229
+$248
Citi AAdvantage Platinum Select World Elite
2× dining, 2× gas; 1× everything else. $99 annual fee.
Rewards $331 · Fee −$99
+$232
How we estimate
- Every rate on this page comes from the card catalog. Southwest Rapid Rewards Plus pays 1× on spending outside the bonus categories listed above, and up to 2× on groceries.
- We value this card's points at 1.3¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
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Welcome bonus
50,000 points
About $650 if you redeem at 1.3¢ a point, and only if you clear the spending requirement.
Points and partners
Southwest Rapid Rewards
No
Where this data came from
Checked creditcards.chase.com 2026-10-05. $99 annual fee. 50,000 points after $1,000 in 3 months. 2x on Southwest purchases; 2x on gas and groceries on the first $5,000 a year combined; 1x other. The 2x on local transit, internet/cable/phone and streaming ended 2025-12-31, and the welcome offer was cut from 100,000 to 50,000 points. Chase's Southwest co-brands no longer carry a Companion Pass; what remains is a 10,000-point boost toward Companion Pass qualifying points.
FAQ
The Southwest Rapid Rewards Plus charges $99 a year. Earning back $99 means about $635 a month on groceries, where it earns 1.3¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest.
2× on groceries, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $99 means about $635 a month on groceries, where it earns 1.3¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 50,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 1.3¢ a point that is about $650, before you count the annual fee and whether you would clear the spending requirement for it.
No. The Southwest Rapid Rewards Plus earns Southwest Rapid Rewards that you redeem for statement credit or shopping rather than transferring to a partner, so its realistic value is about 1.3¢ a point.
No. The Southwest Rapid Rewards Plus charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.