Southwest Rapid Rewards Premier
- Annual fee
- $149
- Network
- visa
- Type
- personal
It earns Southwest Rapid Rewards points on eligible purchases, with elevated rewards on Southwest purchases and select bonus categories.
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.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$160 of the advertised value — 53% — comes with strings attached.
- $300 advertised across 3 benefits.
- $160 (53%) needs a booking, enrollment, or deadline.
- Biggest credit — Monthly Instacart credit, $120 — only via Instacart.
- First checked bag free ($140) posts automatically. No hoops.
- No-hoops value covers 94% of the annual fee.
- You book travel through Instacart.
- You'll actually use First checked bag free.
- 3× on Southwest Airlines purchases matches your spend.
- You book direct, not via Instacart.
- You want the fee covered without chasing — $9 short.
Welcome offer
Earn 55,000 bonus points after you spend $1,500 on purchases in the first 3 months from account opening.
- Est. value
- $770
- Minimum spend
- $1,500
- Within
- 3 mo
Earning rates
- All other purchases1×pts
- Top earnSouthwest Airlines purchases3×pts
- Top earnQualifying Lyft products and servicespurchased through the Lyft mobile application3×pts
- Grocery stores and restaurantson the first $8,000 in combined purchases per anniversary year2×pts
On-card benefits & credits
- First checked bag free$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; partner-carrier flights are excluded.
- DoorDash non-restaurant quarterly discount$10/Quarterly
After activating the card’s DashPass membership, receive $10 off one qualifying DoorDash non-restaurant order each calendar quarter. Unused value is forfeited and does not roll over.
- Monthly Instacart credit$10/Monthly
Receive one $10 Instacart credit each month while an active Instacart+ membership is maintained after activating the complimentary Chase membership, through December 31, 2027. The credit requires a purchase of at least $10, excludes fees, and does not roll over.
- Group 5 boarding benefit$0/Annual
The cardmember and up to eight additional passengers on the same reservation board no later than Group 5, providing earlier access to overhead bins.
- Extended Warranty$0/As needed
Eligible purchases receive extended warranty protection subject to restrictions, exclusions, and the applicable Guide to Benefits.
- Complimentary Preferred or Standard seat selection$0/Annual
The cardmember and up to eight additional passengers on the same reservation may select a Preferred or Standard seat within 48 hours before departure, when available.
- 15% anniversary flight discount$0/Annual
Receive one 15% promotional code each account anniversary year. It applies to the base fare through Southwest.com or the Southwest app and excludes Basic fares.
- A-List tier qualifying points from card spend$0/Annual
Earn 1,500 tier qualifying points toward A-List or A-List Preferred status for every $5,000 in annual card purchases. This is a repeatable spend-based earning benefit rather than a single unlock tier.
- Three months of complimentary Instacart+$0/One-time
Activate by December 31, 2027 to receive three months of complimentary Instacart+. The membership may convert to a paid annual membership after the complimentary period unless canceled.
- 10,000 Companion Pass qualifying-point boost$0/Annual
Receive one annual boost of 10,000 Companion Pass qualifying points. Only one qualifying Southwest credit-card account per primary Rapid Rewards member receives the boost.
- Travel and Emergency Assistance Services$0/As needed
Travel and emergency assistance is available, subject to restrictions, exclusions, and the applicable Guide to Benefits.
- 12 months of complimentary DashPass$0/One-time
Activate by December 31, 2027 to receive 12 months of complimentary DashPass, including eligible DoorDash and Caviar benefits. Membership automatically continues at the then-current rate unless canceled.
- No Foreign Transaction Fees$0/As needed
No foreign transaction fee is charged on purchases made outside the United States.
- Auto Rental Collision Damage Waiver$0/As needed
Auto rental coverage is available when the card is used, subject to restrictions, limitations, exclusions, and the applicable Guide to Benefits.
- Roadside Assistance$0/As needed
Roadside assistance is available subject to restrictions, limitations, exclusions, and the applicable Guide to Benefits.
- Baggage Delay Insurance$0/As needed
Baggage delay insurance is available for eligible covered travel, subject to restrictions, exclusions, and the applicable Guide to Benefits.
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