Southwest Rapid Rewards Priority Credit Card
$149/yr
Chase
Southwest Rapid Rewards Priority Credit Card
4.3
(1,456 reviews)travelrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026The best Southwest card for frequent flyers. The $75 travel credit plus 7,500 anniversary points (worth ~$100) effectively make this a money-maker on a $149 fee. Key card for earning the Companion Pass — fly a companion free for up to 2 years.
Annual Fee
$149
Purchase APR
21.49% – 28.49%
Rewards
1x base rate
Sign-Up Bonus
$700 value
Credit Score
Good (670-749)
Foreign Txn Fee
3%
Who Should Get This Card
The Southwest Rapid Rewards Priority Credit Card is best suited for established credit users who frequent southwest flyers pursuing the companion pass. The $149 annual fee pays for itself if you spend $14,900+/year on this card.
This card is great if you…
- $75 travel credit + 7,500 points cover the fee
- Companion Pass eligible
- Upgraded boardings
- Frequent Southwest flyers pursuing the Companion Pass
Consider another card if you…
- $149 annual fee
- 3% foreign transaction fee
- Southwest only — no alliance partners
Rewards Breakdown
3x Southwest, 2x hotel/car rental partners, 1x everything else
| Category | Rate |
|---|---|
| Southwest Airlines | 3x |
| Rapid Rewards Hotel Partners | 2x |
| Rapid Rewards Car Rental Partners | 2x |
| Everything else | 1x |
Rewards Distribution
3x
top rate
Southwest Airlines3x38%
Rapid Rewards Hotel Partners2x25%
Rapid Rewards Car Rental Partners2x25%
Everything else1x13%
Sign-Up Bonus
50,000 Rapid Rewards points after spending $1,000 in 3 months
Fees & APR
| Annual Fee | $149 |
| Purchase APR | 21.49% – 28.49% |
| Balance Transfer Fee | 5% |
| Foreign Transaction Fee | 3% |
| Late Fee | Up to $40 |
Pros & Cons
$75 travel credit + 7,500 points cover the fee
Companion Pass eligible
Upgraded boardings
No bag fees on Southwest
$149 annual fee
3% foreign transaction fee
Southwest only — no alliance partners
The Bottom Line
The Good: The Southwest Rapid Rewards Priority Credit Card stands out for its $75 travel credit + 7,500 points cover the fee. The welcome bonus worth $700 adds significant first-year value.
The Not So Good: $149 annual fee. The $149 annual fee means you need to use the card actively to justify the cost.
Our Verdict: With an editor score of 8/10, the Southwest Rapid Rewards Priority Credit Card is one of our top-rated cards in its category. Make sure you'll earn at least $149 in value annually to justify the fee.
Frequently Asked Questions
What is the annual fee for the Southwest Rapid Rewards Priority Credit Card?▾
The Southwest Rapid Rewards Priority Credit Card has a $149 annual fee. Consider whether the rewards and perks you'll use offset this cost.
What is the sign-up bonus for the Southwest Rapid Rewards Priority Credit Card?▾
The Southwest Rapid Rewards Priority Credit Card currently offers a sign-up bonus worth approximately $700. 50,000 Rapid Rewards points after spending $1,000 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Southwest Rapid Rewards Priority Credit Card?▾
The Southwest Rapid Rewards Priority Credit Card earns 1x points on all purchases, and up to 3x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the Southwest Rapid Rewards Priority Credit Card?▾
The Southwest Rapid Rewards Priority Credit Card is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Southwest Rapid Rewards Priority Credit Card charge a foreign transaction fee?▾
Yes, the Southwest Rapid Rewards Priority Credit Card charges a 3% foreign transaction fee on purchases processed outside the U.S.
What is the APR on the Southwest Rapid Rewards Priority Credit Card?▾
The Southwest Rapid Rewards Priority Credit Card has a variable purchase APR of 21.49% – 28.49%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Southwest Rapid Rewards Priority Credit Card best for?▾
The Southwest Rapid Rewards Priority Credit Card is best for Frequent Southwest flyers pursuing the Companion Pass. A key advantage: $75 travel credit + 7,500 points cover the fee.
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $180Annual fee: $149
Card pays for itself! You earn $31 more than the annual fee at this spend level.
Based on 1x base rewards rate @ 1.5¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
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1,456 reviews
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