Best low-cost card for Southwest loyalists

In the small fleet of Southwest personal credit cards, the Rapid Rewards Plus card is a great option for Southwest loyalists who want to avoid high annual fees. (Partner offer)

At a glance

  • 3X Earn 3X points on dining, including takeout and eligible delivery services, for the first year.
  • 2X Earn 2 points per $1 spent on Southwest® purchases.
  • 1X Earn 1 point per $1 spent on all other purchases.
40,000 points
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months.
Up to 29.99%
24.99% Variable
15.99% - 22.99% Variable
15.99% - 22.99% Variable
$69

At a glance

  • 3X Earn 3X points on dining, including takeout and eligible delivery services, for the first year.
  • 2X Earn 2 points per $1 spent on Southwest® purchases.
  • 1X Earn 1 point per $1 spent on all other purchases.
40,000 points
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months.
Up to 29.99%
24.99% Variable
15.99% - 22.99% Variable
15.99% - 22.99% Variable
$69
  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
  • 3,000 bonus points after your Cardmember anniversary each year.
  • Earn 2 points per $1 spent on Southwest® purchases.
  • Earn 1 point per $1 spent on all other purchases.
  • All points earned count towards Companion Pass®.
  • No blackout dates or seat restrictions.
  • Your points never expire, a benefit of the Rapid Rewards® program.

Our Take

TPG Editor's Rating

tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
3/5

Overview

It's rare to come across a card with a low $69 annual fee and a solid sign-up bonus, but that's exactly what you'll find if you sign up for the Southwest Rapid Rewards Plus card. This card is great for those just beginning to explore loyalty to Southwest. It carries standard benefits such as secondary car rental insurance, travel accident insurance, baggage insurance, purchase protection and up to $3000 in lost luggage reimbursement. When it comes to earning points, cardholders can expect 2x points on Southwest purchases and 1x points on all other purchases.

Pros

  • Earn 3,000 points each year after your cardmember anniversary
  • Secondary car rental insurance and collision damage waiver
  • Baggage delay insurance; up to $3,000 in reimbursement for lost luggage; roadside dispatch; travel accident insurance via Visa Signature
  • Extended warranty and purchase protection

Cons

  • 2x points for Southwest purchases and its Rapid Rewards hotel and car rental partners, and 1x everywhere else
  • 3% foreign transaction fee; flight redemption limited to U.S., Caribbean and Central American destinations
  • $69 annual fee

Who is this card good for?

The Southwest Rapid Rewards Plus card is a good option for the occasional Southwest traveler. This card is not going to earn you some of the more premium perks that come with other Southwest cards but it’s a great option if you’re exploring the airline and its partners more without having to pay a hefty annual fee. Points earned on this card never expire so you have time to use them.

Earning Rewards

Cardholders of the Southwest Rapid Rewards Plus card can earn 2x point on Southwest purchases and purchases at any of the Rapid Rewards hotel and car rental partners. It also earns 1x points on all other purchases. Cardholders also earn 3000 bonus points each year after your cardmember anniversary.

Frequently asked questions