Southwest® Rapid Rewards® Plus Credit Card (2024)

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* TERMS AND CONDITIONS

Southwest® EarlyBird Check-In®: Each anniversary year you will be reimbursed for the purchase of up to 2 EarlyBird Check-In services made with your Southwest Rapid Rewards® Plus Credit Card. Each EarlyBird Check-In service means a purchase made for EarlyBird Check-In one-way, per Passenger. Anniversary year means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. If you switch to this product from another Chase credit card, your account open date is the date the switch to the Southwest Rapid Rewards® Plus Credit Card is completed. EarlyBird Check-In provides automatic check-in before the traditional 24-hour check-in and can be purchased as part of the original flight purchase or added to a flight after purchase. Price of EarlyBird Check-In may vary. Statement credit(s) will post to your account the same day your purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Account must be open and not in default at the time the statement credit is posted to your account. Statement credits will be issued for the anniversary year in which the transaction posts to your account. For example, if you purchase EarlyBird Check-In and Southwest does not post the transaction until after your current anniversary year ends, the cost of the EarlyBird Check-In services will be allocated towards the following year’s maximum of 2 services. More information can be found at opens overlaySouthwest.com/early-bird.

25% back on inflight purchases on Southwest Airlines® flights: You will receive 25% back on Southwest Airlines inflight purchases made with your Southwest Rapid Rewards® Plus Credit Card for drinks and WiFi in the form of a credit card account statement credit. Statement credit(s) will post to your credit card account the same day as your purchase(s) and will appear on your monthly credit card billing statement within 1-2 billing cycles. You will also receive 25% back on inflight purchases made by authorized users on your account. To qualify for the 25% back, purchase must be made with your Southwest Rapid Rewards® Plus Credit Card and your account must be open and not in default at the time of fulfillment.

Companion Pass: Companion Pass® qualifying points are earned from revenue flights booked through Southwest®, points earned on Rapid Rewards® Credit Cards, and base points earned from Rapid Rewards partners. The following do not count as Companion Pass qualifying points: purchased points; points transferred between Members; points converted from hotel and car loyalty programs, e-Rewards®, Valued Opinions, and Diners Club®; points earned from Rapid Rewards program enrollment, tier bonus points; flight bonus points; and partner bonus points (with the exception of the Rapid Rewards Credit Cards from Chase). No points nor tier or Companion Pass qualifying points will be awarded for flights taken by the Companion when flying on a Companion Pass reservation. Points earned during a billing cycle on a Southwest Airlines Rapid Rewards Credit Card from Chase are not available for redemption or qualification for Companion Pass status until they are posted on your billing statement and posted to your Rapid Rewards account. Only points posted on your billing statements and posted to your Rapid Rewards account during the same calendar year are available for qualification for Companion Pass status. For example, if you make a purchase after your December billing statement cycle date, the points on those purchases will not count toward Companion Pass status in the year the purchase was made; they will appear on your January billing statement and post to your Rapid Rewards account in January. Companion Pass Qualifying Points Boost: As a Southwest Rapid Rewards Cardmember, you will earn one boost of 10,000 Companion Pass qualifying points each calendar year. The boost will be deposited into your eligible Rapid Rewards account by January 31st each calendar year or up to 30 days after account opening. To receive Companion Pass qualifying points boost your credit card account must be open and not in default at the time of fulfillment. Only one credit card account per Southwest Rapid Rewards Member (Rapid Rewards Member must be the primary Cardmember on that account), is eligible for one boost of 10,000 Companion Pass qualifying points per calendar year. JPMorgan Chase Bank, N.A. is not responsible for the provision of, or failure to provide, the stated benefits and services.

Earning Points: Rewards Program Agreement: For more information about the Rapid Rewards® Plus Card rewards program, view the latest opens in a new window Rewards Program Agreement (PDF). If you are a Chase Online customer, your Rewards Program Agreement is available after logging in to chase.com. You can also see your Rewards Program Agreement that you received in the mail.
How you can earn points: You’ll earn points on purchases of products and services, minus returns or refunds, made with a Rapid Rewards® Credit Card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count as a purchase and won’t earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 2 points: You’ll earn 2 points for each $1 spent on purchases made directly with Southwest Airlines®, including flight, inflight, Southwest® gift card, and Southwest Vacations® package purchases, and at participating Rapid Rewards® hotel and rental car partners. 2 points: You’ll earn 2 points for each $1 spent on purchases in the local transit and commuting rewards category. 2 points: You’ll earn 2 points for each $1 spent on purchases in the following rewards categories: internet, cable, and phone services; select streaming services. 1 point: You’ll earn 1 point for each $1 spent on all other purchases. 1 point on balance transfers: You’ll earn 1 point for each $1 of the first $10,000 of balance transfers made during the first 90 days from your original account open date. 3,000 bonus points each account anniversary year: You’ll receive 3,000 bonus points each account anniversary year. “Account anniversary year” means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that. Information about earning/transferring points to Southwest Airlines®: Points earned during a billing cycle will be automatically transferred to Southwest Airlines after the end of each billing cycle. Losing points: You’ll immediately lose all points that haven’t been transferred to Southwest Airlines if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see opens in a new windowchase.com/RewardsCategoryFAQs.

Travel And Purchase Protection: These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Please refer to your Guide to Benefits for a full explanation of coverages, or call the number on the back of your card for assistance.

Bags Fly Free: First and second checked bags. Weight and size limits apply.

No Blackout Dates And Unlimited Reward Seats: No blackout dates and unlimited reward seats apply to flights booked with points.

No Change Fees: Fare difference may apply.

Free live TV: Available only on WiFi-enabled aircraft. Limited-time offer. Where available. To view movies and select on-demand TV content, download the Southwest app from the Google Play Store or Apple App Store before your flight.

SOUTHWEST RAPID REWARDS® PROGRAM INFORMATION
The Southwest Rapid Rewards Credit Card is brought to you by Southwest Airlines® and Chase. Southwest Airlines is responsible for the redemption of Rapid Rewards points toward benefits and services. The number of points needed for a particular Southwest flight is set by Southwest® and will vary depending on destination, time, day of travel, demand, fare type, point redemption rate, and other factors, and are subject to change at any time until the booking is confirmed. Rapid Rewards points can only be transferred to the primary Cardmember’s Rapid Rewards account. All Rapid Rewards rules and regulations apply and can be found at opens overlaySouthwest.com/rrterms. Southwest reserves the right to amend, suspend, or change the program and/or program rules at any time without notice. Rapid Rewards Members do not acquire property rights in accrued points.

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Southwest® Rapid Rewards® Plus Credit Card (2024)

FAQs

How hard is it to get approved for the Southwest credit card? ›

You need a credit score of 700 or higher to get a Southwest Airlines credit card, as at least good credit is required for approval. If your credit score is below the threshold, it's best to wait and apply after you meet the credit score requirement. You can check your credit score for free, right here on WalletHub.

What is the credit limit for Southwest Rapid Rewards Plus credit card? ›

What is the credit limit for the Southwest Rapid Rewards® Plus Credit Card? The minimum starting credit limit for the Southwest Rapid Rewards® Plus Credit Card is $2,000, but some cardholders have gotten limits of $25,000 or more.

What are the chances of getting a Southwest credit card? ›

It is hard to get a Southwest credit card because they require at least good credit for approval. You have the best approval odds with a minimun of 700 credit score and you have a lot of income, it will be difficult for you to get approved for a Southwest credit card credit card.

How much income do you need for a Southwest credit card? ›

You need enough income to afford monthly bill payments on the Southwest Rapid Rewards® Plus Credit Card. While the terms and conditions of the Southwest Rapid Rewards® Plus Credit Card do not disclose a specific minimum income requirement, the higher your income is, the more likely you are to be approved.

Why do I keep getting denied for Southwest credit card? ›

There can be many reasons why your Southwest Priority Card application was denied, such as: A low credit score. Too much existing debt. Not enough disposable income.

What is the easiest card to get approved? ›

NerdWallet's Easiest Credit Cards to Get of May 2024
  • OpenSky® Plus Secured Visa® Credit Card: Best for No credit check and no bank account required.
  • Chime Secured Credit Builder Visa® Credit Card: Best for No credit check + flexibility and guardrails.
  • Mission Lane Visa® Credit Card: Best for Unsecured card for bad credit.

What is an impressive credit limit? ›

A good credit limit is above $30,000, as that is the average credit card limit, according to Experian. To get a credit limit this high, you typically need an excellent credit score, a high income and little to no existing debt. What qualifies as a good credit limit differs from person to person, though.

Can I get a Southwest credit card with fair credit? ›

Before applying for a Southwest credit card, we recommend that you have Good to Excellent credit. This means having a credit score of at least 690.

How much money is 70000 Southwest points? ›

70,000 Southwest points are worth around $973 when redeemed for airfare. While Southwest Airlines Rapid Rewards points are most valuable when redeemed for Travel, they're also redeemable for gift cards, hotel stays, merchandise, and more.

How do I know if I get approved for a Southwest credit card? ›

You can check your Chase credit card application status online or by phone: (888) 338-2586. If you check online, you will need to sign into your Chase.com account (or create one if you didn't apply online). If you call, you'll have to enter your full Social Security number.

What bank is behind Southwest credit card? ›

The Southwest Rapid Rewards Credit Card is brought to you by Southwest Airlines® and Chase. Southwest Airlines is responsible for the redemption of Rapid Rewards points toward benefits and services.

What bureau does Southwest credit card pull from? ›

The Southwest Premier Card uses either Experian, Equifax or TransUnion for approval. The selection is done randomly, so there is no way to know beforehand. After you get approved, the card will report your activity to all three bureaus.

What is a good income to get approved for a credit card? ›

A good annual income for a credit card is more than $39,000 for a single individual or $63,000 for a household. Anything lower than that is below the median yearly earnings for Americans. However, there's no official minimum income amount required for credit card approval in general.

Does the 5 24 rule apply to the Southwest credit card? ›

See if you prequalify for special offers—with no impact to your credit score. The Chase 5/24 rule: You'll almost certainly be rejected for a Southwest credit card if you've opened five or more credit cards (from any bank) within the past 24 months — excluding most business cards.

Can my husband use my Southwest credit? ›

Wanna Get Away® fares receive a flight credit, which cannot be transferred to someone else.

What credit score do I need for a Southwest credit card? ›

All their cards require you to have anywhere from a good to excellent FICO® Score (670 upwards). In addition to this, they also look at your employment and payment history, as well as your debt-to-income ratio. So, while having a good credit score does not guarantee approval, it definitely increases your chances.

What is the 60000 Southwest credit card offer? ›

Southwest® Rapid Rewards® Premier Business Credit Card: Offers 60,000 points after spending $3,000 in the first 3 months. Southwest® Rapid Rewards® Performance Business Credit Card: Offers 80,000 points for spending $5,000 in the first 3 months.

What's the hardest card to get approved for? ›

The Centurion Card from American Express, commonly known as the Amex Black Card, is an exclusive credit card available by invitation only to high net worth individuals. It is widely regarded as one of the most difficult credit cards to obtain due to strict eligibility criteria and limited membership.

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