Southwest Rapid Rewards Plus

Annual fee: $99
Network: visa
Type: personal

Earn Rapid Rewards points on eligible Southwest purchases and select everyday spending, with a base rate on other purchases.

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published

$300

What the issuer advertises.

02Realistic

$140

Pays out with no hoops.

03Yours

Open your wallet

From your real spend and redemptions.

$160 of the advertised value — 53% — comes with strings attached.

Why Perqt says this

$300 advertised across 3 benefits.
$160 (53%) needs a booking, enrollment, or deadline.
Biggest credit — Monthly Instacart credit, $120 — only via Instacart.
Free first checked bag ($140) posts automatically. No hoops.
No-hoops value covers 141% of the annual fee.

Better fit if

You book travel through Instacart.
You'll actually use Free first checked bag.
2× on Southwest purchases matches your spend.

Probably not if

You book direct, not via Instacart.

How Perqt calculates this

Welcome offer

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Est. value: $650
Minimum spend: $1,000
Within: 3 mo

Earning rates

All other purchases
1×
pts
Southwest Rapid Rewards
Top earn
Southwest purchases
On purchases made directly with Southwest Airlines (including flights, inflight purchases, Southwest gift cards, and Southwest Vacations packages)
2×
pts
Southwest Rapid Rewards · Southwest Airlines
Top earn
Hotel and car rental
On Rapid Rewards hotel and car rental partner purchases
2×
pts
Southwest Rapid Rewards
Top earn
Transit
On local transit and commuting, including rideshares
2×
pts
Southwest Rapid Rewards
Top earn
Streaming
On select streaming services
2×
pts
Southwest Rapid Rewards

On-card benefits & credits

Free first checked bag
$140
/Annual
The primary cardmember and up to eight passengers on the same reservation each receive their first standard checked bag free; the Rapid Rewards number must be included in the reservation.
Monthly Instacart credit
$10
/Monthly
Receive one $10 Instacart credit each month through December 31, 2027 while an activated Instacart+ membership remains active. It requires a purchase of at least $10 and does not roll over.
DoorDash non-restaurant order discount
$10
/Quarterly
After activating the card's DashPass membership, receive up to $10 off one qualifying DoorDash non-restaurant order each calendar quarter; unused value does not roll over.
10,000 Companion Pass qualifying points boost
$0
/Annual
Receive one boost of 10,000 Companion Pass-qualifying points each calendar year, generally deposited by January 31 or within 30 days after account opening.
No foreign transaction fees
$0
/Annual
The card does not charge foreign transaction fees.
10% annual flight discount code
$0
/Annual
Receive one 10% Southwest promotion code each account-anniversary year. It excludes Basic fares and applies to the base fare when entered during an eligible booking.
Complimentary Standard seat selection
$0
/Annual
Select a Standard seat within 48 hours before departure, when available, for the primary cardmember and up to eight additional passengers on the same reservation.
12 months complimentary DashPass
$0
/One-time
Activate by December 31, 2027 to receive 12 months of complimentary DashPass, including eligible $0 delivery fees and reduced service fees; paid renewal begins unless canceled.
Auto rental coverage
$0
/Annual
Provides auto rental coverage when the card is used, subject to restrictions, limitations, and exclusions in the Guide to Benefits.
Three months complimentary Instacart+
$0
/One-time
Activate by December 31, 2027 to receive one complimentary three-month Instacart+ membership per eligible card account; it automatically converts to a paid membership unless canceled.
Lost luggage reimbursement
$0
/Annual
Provides reimbursement for eligible lost luggage, subject to the Guide to Benefits. The stated $10,000-per-trip ceiling is specifically identified as a New York limitation across all covered travelers.
Travel and emergency assistance
$0
/Annual
Provides travel and emergency assistance services; restrictions, limitations, exclusions, and service charges may apply.
Baggage delay insurance
$0
/Annual
Provides baggage delay insurance subject to restrictions, limitations, and exclusions in the Guide to Benefits.
Travel accident insurance
$0
/Annual
Provides travel accident insurance with coverage up to $500,000, subject to restrictions, limitations, and exclusions in the Guide to Benefits.
Extended warranty protection
$0
/Annual
Extends eligible manufacturer warranties subject to restrictions, limitations, and exclusions in the Guide to Benefits.
Group 5 boarding
$0
/Annual
The primary cardmember and up to eight passengers on the same reservation board no later than Group 5 on eligible Southwest-operated flights.

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