Southwest Rapid Rewards Priority

Annual fee: $229
Network: visa
Type: personal

It earns Southwest Rapid Rewards points, with elevated rewards on Southwest purchases and select everyday spending 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.

Perqt Analysis

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

01Published

$340

What the issuer advertises.

02Realistic

$180

Pays out with no hoops.

03Yours

Open your wallet

From your real spend and redemptions.

$160 of the advertised value — 47% — comes with strings attached.

Why Perqt says this

$340 advertised across 3 benefits.
$160 (47%) needs a booking, enrollment, or deadline.
Biggest credit — Monthly Instacart credit, $120 — only via Instacart.
Free first checked bag ($180) posts automatically. No hoops.
No-hoops value covers 79% of the annual fee.

Better fit if

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

Probably not if

You book direct, not via Instacart.
You want the fee covered without chasing — $49 short.

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
3×
pts
Southwest Rapid Rewards
Rapid Rewards hotel and car rental partners
2×
pts
Southwest Rapid Rewards
Transit
local transit and commuting
2×
pts
Southwest Rapid Rewards
Streaming services
select streaming services
2×
pts
Southwest Rapid Rewards

On-card benefits & credits

Free first checked bag
$180
/Annual
The primary cardmember and up to eight passengers on the same reservation each receive their first standard checked bag free on eligible Southwest-operated flights. The source states a $45 charge per bag per trip; a conservative annual value is $180 for two cardholder round trips.
Monthly Instacart credit
$10
/Monthly
Receive one $10 Instacart credit each month while an active Instacart+ member after activating the complimentary Chase membership, through December 31, 2027. It requires a purchase of at least $10, excludes specified fees, and does not roll over.
Quarterly DoorDash non-restaurant discount
$10
/Quarterly
While enrolled in DashPass, receive one discount of up to $10 each calendar quarter on a qualifying non-restaurant DoorDash order. Unused value is forfeited and does not roll over.
Baggage delay insurance
$0
/Annual
Reimburses essential purchases such as toiletries and clothing when baggage is delayed more than six hours, up to $100 per day for three days.
Complimentary Preferred seat at booking
$0
/Annual
Primary cardmembers may select an available Preferred or Standard seat at booking for themselves and up to eight additional passengers on the same reservation.
Unlimited Extra Legroom seat upgrades
$0
/Annual
The primary cardmember and up to eight additional passengers on the same reservation may upgrade to available Extra Legroom seats within 48 hours before departure at no additional charge.
12 months of complimentary DashPass
$0
/One-time
Activate by December 31, 2027 to receive 12 complimentary months of DashPass for DoorDash and Caviar. It automatically renews at the then-current monthly rate unless canceled.
Group 5 boarding
$0
/Annual
The primary cardmember and up to eight additional passengers on the same reservation board no later than Group 5 on eligible Southwest-operated flights.
Purchase protection
$0
/Annual
Covers eligible new purchases against damage or theft for 120 days from purchase, up to $500 per item. New York residents have a 90-day coverage period.
10,000 Companion Pass qualifying points boost
$0
/Annual
Receive one annual boost of 10,000 Companion Pass-qualifying points. Only one qualifying Southwest Rapid Rewards credit-card account per primary member receives the boost each calendar year.
Extended warranty protection
$0
/Annual
Extends an eligible manufacturer’s U.S. warranty by one additional year when the original warranty is three years or less, up to four years from purchase.
2,500 A-List tier-qualifying points per $5,000 spend (Spend Tier)
$0
/Annual
Earn 2,500 tier-qualifying points toward Southwest A-List or A-List Preferred status for each $5,000 spent in purchases annually. This repeats without a stated cap.
Three months of complimentary Instacart+
$0
/One-time
Activate by December 31, 2027 to receive one complimentary three-month Instacart+ membership per eligible card account. The membership may automatically convert to a paid annual plan unless canceled.
No foreign transaction fees
$0
/Annual
The card charges no foreign transaction fee on purchases made outside the U.S. The source gives an illustrative $150 savings on $5,000 of international spending, not a fixed benefit value.
Lost luggage reimbursement
$0
/Annual
Provides reimbursement for a covered traveler’s checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.

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