Credit Cards » Credit Card Reviews » Southwest Rapid Rewards Plus Credit Card Review 2021
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Southwest Rapid Rewards Plus Credit Card Review 2021

The Southwest Rapid Rewards Plus Credit Card is a strong credit card that is certainly designed for Southwest loyalists. The travels perks, flexibility in point redemption, and generous sign-up bonus are all great reasons to consider this card.

We may receive compensation from companies that appear on this page. This may impact how and where products appear on a page (including, for example, the order in which they appear). It doesn’t affect our unbiased editors’ opinions. our opinions are our own.

Table of Contents

When it comes to a travels rewards card that can be beneficial to both loyalty users as well as a more casual spender, the Southwest Rapid Rewards Plus Credit Card is the best of both worlds.

When new card holders sign up for the Southwest Rapid Rewards Plus Credit Card, they will get 65,000 points after you spend $2,000 on purchases in the first 3 months from account opening.

The card comes with an annual fee of $69 . In spite of it's lower compared to other travel cards, it's still something you should take into account.

Overall, the Southwest Rapid Rewards Plus Credit Card is branded by Southwest Airlines. It offers a wide variety of rewards options that extend past the typical travel rewards, which is something that separates the Southwest Rapid Rewards Plus Card from others within the same distinctions. 

Southwest Rapid Rewards Plus

On Southwest’s Secure Website

Rewards Plan

Up to 2 points for every $1 you spend

Sign up Bonus

65,000 points

0% Intro

None

PROS

CONS

APR

15.99% - 22.99%

Annual Fee

$69

Balance Transfer Fee

$5 or 5%

Credit Requirements

Good - Excellent

Card & Issuer Reputation

  • 4.1/5  on WalletHub customer reviews (+300 reviews): WalletHub customer reviews allow customers to post positive, negative or neutral reviews about marketplace experiences.
  • 4.2/5 on Official Card Website customers reviews ( +2,500 reviews): Customers can express their opinion on the official card website. It reflects the overall measurement of reviewer satisfaction, represented numerically from 1 to 5.
  • 809/1000 on J.D Power: Chase bank, the issuer of Southwest card,  got 809 out of 1000 available points on J.D. Power credit card satisfaction survey, a bit lower than industry average. J.D Power offers the most comprehensive and independent study of customer satisfaction of card issuers . The study aims to help consumers and issuers to understand user opinions and ratings of the largest bands. It covers terms, benefits, services, communication, rewards and more.

J.D. Power U.S. Credit Card Satisfaction Study 2020

Benefits

Let’s take a look at the benefits of the Southwest Rapid Rewards Plus card and see if it’s the right one for your wallet or not.

As an added bonus, if a cardholder spends $12,000 within their first year, they will earn an additional 20,000 points.

The initial 65,000 points after you spend $2,000 on purchases in the first 3 months from account opening. Pair this with the additional 20,000 points, this sign-up bonus is a great incentive for anyone. 

Under the Southwest Rapid Rewards Plus Credit Card, you'll be able to earn rewards in each and every purchase you make:

  • 2 points per $1 spent on Southwest Airlines flights, hotel & car rental partners
  • 1 point per $1 spent on all other purchases made with your card

You'll also earn 3,000 anniversary points after your Cardmember anniversary

Because the Southwest Rapid Rewards Plus Credit Card is a travel rewards card, not having to worry about blackout dates causing a dilemma when scheduling trips is a huge benefit that many travel cards fail to offer to their customers. 

On top of this, the Southwest Rapid Rewards Plus Credit Card offers no seat restrictions when you fly, meaning you don’t have to worry about only get the last open seats on an available flight. 

These two perks separately are hard to come by with any travel rewards card. So being able to have both of these with the Southwest Rapid Rewards Plus Credit Card is a huge benefit to any cardholder. Oh, and did we mention that your bags will fly for free?

Points that are earned using the Southwest Rapid Rewards Plus Credit Card can be redeemed for a number of things outside of just Southwest Airlines flights. These points are redeemable for hotel stays, a variety of gift cards, access to a number of events, and more. 

While the best rewards do come in the travel area, meaning the flights and hotel stays, it is nice to have the flexibility and options to look into other means of rewards. These points also don’t expire over time, just so long that the account stays open.

Every year a cardholder has an open account with the Southwest Rapid Rewards Plus Credit Card, they will receive 3,000 points as a loyalty perk for having the account. 

While this isn’t a huge perk, this is still a nice little effort from Southwest to give people more of a reason to keep this card open.

Drawbacks

Let’s take a look at the drawbacks of the Southwest Rapid Rewards Plus card and see if it’s the right one for your wallet or not.

Although there are a many options for domestic travel within the United States, traveling internationally is a different story. 

There are very limited options when it comes to traveling abroad, so if international travel is something that a potential cardholder was hoping to benefit from, then they might want to look at other options.

The rewards that are earned from the Southwest Rapid Rewards Plus Credit Card are quiet great, but accumulating enough points in order to truly benefit from these rewards can be a challenge. 

Cardholders earn 2 points per every $1 spent on Southwest Purchases, Rapid Rewards Hotels, and Car Rental Partner purchases, which isn’t bad if you are a Southwest loyalist already. 

However, all other purchases only give a cardholder 1 point per every $1 spend, which is average at best.

There is an annual fee of $69 for having the Southwest Rapid Rewards Plus Credit Card.

While this is lower than other cards that are both travel rewards based and not travel rewards based, there is also a 3% foreign transaction fee. The Southwest Rapid Rewards Plus Credit Card also have no intro APR for new cardholders, and the variable APR is 15.99% – 22.99%. 

The Southwest Rapid Rewards Plus Credit Card has some great flight options for Southwest airlines. However, because Southwest doesn’t have any partner airlines, cardholders who are looking to use these points to flight are limited to only flying Southwest. 

While this card is designed for Southwest purchases and more specifically for Southwest loyalists, not having any flexibility is something that could deter potential cardholders from applying.

Application Process

Visit the Southwest Rapid Rewards Plus Credit Card and get started.

A page appears to get you started, which includes your names, mailing address, date of birth, etc.

Next, specify your statement and communication delivery preference.

Now, take your time to read through the E-Sign Disclosure as well as the Pricing & terms.

Lastly, agree to the certifications and click “Submit.”

Alternatives

There are several other travel-focused credit cards that offer higher travel reward rates and bonuses when signing up. Let’s take a look at them and see if one is better suited for you than the Southwest Rapid Rewards Plus card:

This card is good for infrequent American Airlines flyers who are looking for an introduction to AAdvantage miles, as both the travel point and the everyday point accumulation is good – it earns the user bonus miles on grocery purchases. This along with the fact that it does not have an annual fee makes it an appealing card to people who are new to travel rewards.

Earn 2 Aadvantage miles for every $1 spent on eligible American Airlines purchases / grocery stores, Earn 1AAdvantage mile for every $1 spent on all other purchases.

The card offers  10,000 miles and $50 statement credit if you spend $500 in first 3 months

However, there are better cards out there as far as travel rewards credit cards are concerned, and depending on the card holders credit history, travel needs and frequency. 

The United Explorer Card is a Visa credit card offered through Chase bank that is an Airline branded card through United Airlines. This card is designed entirely for frequent fliers of United Airlines, and has great perks that make the cardholders overall travel experience less expensive and much more stress-free.

With United Explorer card, you can earn 2X per $1 spent on United purchases, hotel accommodations and restaurants and eligible delivery services + 1X per $1 spent on all other purchases, The miles that you accumulate through using this card don’t expire, just so long as the account is active.

When you sign up for the United Explorer Card, the new cardholder will receive 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open + additional 10,000 bonus miles after you spend a total of $6,000 on purchases in the first 6 months from account opening.

The card comes with an annual fee of $95 ($0 first year) and the variable APR is 16.49% – 23.49%, based on your credit worthiness. 

The United Explorer Card is a Visa credit card offered through Chase bank that is an Airline branded card through United Airlines. This card is designed entirely for frequent fliers of United Airlines, and has great perks that make the cardholders overall travel experience less expensive and much more stress-free.

With United Explorer card, you can earn 2 miles per $1 spent on United purchases, at restaurants and on hotel stays and  mile per $1 spent on all other purchases, The miles that you accumulate through using this card don’t expire, just so long as the account is active.

140,000 Bonus Points after making $3,000 in purchases with your card within the first 3 months of account opening.

The card comes with an annual fee of 140,000 Bonus Points after making $3,000 in purchases with your card within the first 3 months of account opening and the variable APR is 15.99% – 22.99%, based on your credit worthiness. 

Is the Southwest Rapid Rewards Plus Card Right for You?

The Southwest Rapid Rewards Plus Credit Card is a strong credit card that is certainly designed for Southwest loyalists. The card has a great sign-up bonus, as well as many options for domestic traveling.

The travels perks, flexibility in point redemption, and its points rewards plan are all great reasons to consider this card.  Combine this with a lower annual fee than competitor cards, and it makes sense as to why the Southwest Rapid Rewards Plus Card is a great option to consider adding to your wallet.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.