Point Calculator - Chase Southwest Plus Credit Card

Southwest Plus Credit Card

2X Southwest
2X Hotel1
2X Rental Car1
Annual Bonus Points
1 Hotel and Car Rental must be Rapid Rewards Partner purchases.

Calculate how many Southwest Points you can earn and the cash value of the Southwest Plus Card based on spend, benefits, and fees. Compare the results side by side against any rewards card.


This page may contain links and/or referrals that would earn The Point Calculator points, miles, or other financial compensation. For more details, view the Advertising Policy.

The Chase Southwest Rapid Rewards Plus Credit Card is the lowest card in the rank of available Southwest co-branded credit cards. It's a watered down version of the Premier Card that earns a smaller amount of bonus points and does not have the ability to earn Tier Qualifying Points. It's great for anyone that fly Southwest occasionally and still want to build a few Rapid Rewards Points and enjoy the perk of two free checked bags. It's definitely still a very useful card that has just as much potential as the Southwest Premier Card.

Bonus Categories

The Southwest Plus Credit Card features the same three bonus categories that all of their cards have: Southwest Airline purchases, hotel partners, and car rental partners. Spending in these categories will earn you bonus Rapid Rewards Points. There is no limit to the amount of points you can earn with this card. Your Rapid Rewards Points will not expire as long as the card is opened. If it is closed, points will expire if there isn't flight-earning or Southwest Airlines partner-earning activity at least once every 24 months. Below are the details of the Southwest Plus Card's bonus categories.

2x Southwest Airlines

Purchases with Southwest Airlines with the Southwest Plus Credit Card will earn 2 Rapid Rewards Points per $1 spent. This is a solid earn rate that is only outshined by the Chase Sapphire Reserve and Chase Ink Business Preferred. This is because you can transfer Ultimate Rewards Points to Southwest at a 1:1 ratio making it easy to build miles using Chase credit cards which opens up a lot more bonus category possibilities. If you don't find the Chase cards to be a good fit for you or you can't obtain one (such as being 5/24), the Southwest credit cards is the next best choice.

2x Southwest Hotel Partners

Hotel purchases on the Southwest Plus Credit Card will earn 2 Rapid Rewards Points per $1 spent. This bonus will only apply to Southwest hotel partners which consist of:

This is a solid way to build additional Rapid Rewards Points, but as with the airline purchase you can earn more points using the Chase Sapphire Reserve or Ink Business Preferred and transferring those earned points to Southwest. In terms of return, anyone that is loyal to a specific hotel brand or two will want to check to see if they have a co-branded hotel credit card. It's usually the better option for anyone looking for free nights. Cards like the World of Hyatt Card and Marriott Bonvoy Boundless Card offers high returns on spending with their respective hotels, free nights annually, and automatic elite status which includes things like complimentary room upgrades, late check-out, and more.

2x Southwest Car Rental Partners

Using the Southwest Plus Credit Card to pay for car rentals will earn 2 Rapid Rewards Points per $1 spent. As with the hotel category, this bonus will also apply only to Southwest partners. Their rental car partners consist of:

Using the Southwest Plus Card offers a good return for car rentals. As you probably guessed from reading the other bonus categories, the Chase Sapphire Reserve and Ink Business Preferred offers the most points thanks to being a transfer partner. On top of that, both Chase cards (as well as the Chase Sapphire Preferred) offers primary rental insurance which allows you to skip that expensive $20-$40 per day insurance that the car rental offices ask you to pay. This is a good way to make sure you're insured and earning the best return.

1x Non-Category

Any spending on the Southwest Plus Card outside of the categories listed above will earn 1 Rapid Rewards Point per $1 spent. This is a decent return since these Southwest points are worth 1.4 cents each on average. If you're focusing primarily on earning Southwest Rapid Rewards Points, those who have a Chase Ultimate Rewards Point earning card can earn 1.5 points per $1 with the Chase Freedom Unlimited or Chase Ink Business Unlimited and transfer those points to Southwest. As far as return, you could fill this void with a good flat rate return card like the Citi Double Cash (2%), PayPal Cashback Mastercard (2%), or Alliant CashBack Visa (2.5%-3%).

1x Balance Transfers

The Southwest Plus Credit Card allows Rapid Rewards Points to be earned on balance transfers. Earn 1 Rapid Rewards Point for each $1 of the first $10,000 of balance transfers made during the first 90 days from your original account open date.

Perks and Benefits

Bonus Points

Southwest Plus Credit Cardholders will receive an anniversary gift of 3,000 Bonus Rapid Rewards Points each cardmember anniversary. 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.

Free Checked Bags

Southwest Plus Credit Cardholders will receive their first and second checked bags Free. Weight limits do apply so be sure to check the site before you check your bags.

Waived Fees

Southwest Plus Cardholders will have $0 in change fees when it comes to changing their flight itinerary. Fare difference may still apply though.

Standard Chase Benefits

This Chase Southwest Card comes with the standard Chase credit card perks such as Lost Luggage Reimbursement, Extended Warranty Protection, Baggage Delay Insurance, and Purchase Protection.

Sign Up Bonus

The Southwest Plus Credit Card sign up bonus is 40,000 Rapid Rewards Points after spending $1,000 on purchases within the first 3 months of account opening. This is worth $400+ towards flights.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the Southwest Plus Credit Card is $69. This is lower than most co-branded cards, but since it does not earn Tier Qualifying Miles like the Premier Card, it may not be useful to hardcore Southwest fliers. In terms of the annual fee, the annual bonus of 3,000 points is worth $42 and makes up for more than half of the fee. Add on the checked bags and ability to earn double Southwest points and you should be able to easily justify the fee.

Authorized User Fee

The Southwest Plus Credit Card has an authorized user fee of $0. If you're looking to build your Southwest Rapid Rewards Points, I recommend adding friends and family as authorized users so that you can reach award travel faster.

Foreign Transaction Fee

The foreign transaction fee for the Southwest Plus Card is 3%. You will be penalized for any purchases outside of the United States at a rate of 3 cents per $1 spent. It doesn't sound like a lot, but it will add up if you're consistently making purchases. I would not recommend using this card for foreign transactions. Better cards such as the Barclay Uber Card or any Capital One Card such as the SavorOne Card can earn you a great return with no annual fee, no authorized user fee, and no foreign transaction fee.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
-
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
-
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Loading...
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
-
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Use Rakuten when booking travel and shopping online to earn additional cash back on top of your reward points. Rakuten sends you directly to your favorite sites so you can shop as you normally would. It's easy! Sign up and earn $10 with your first purchase!
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
-

Recent News/Articles


Page Last Updated: 2018-04-20

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.

About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

2019 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.