Southwest Plus Credit Card
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.
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.
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:
- Southwest Hotels
- Best Western
- Radisson Rewards
- Choice Hotels
- World of Hyatt
- LaQuinta Inn & Suites
- Marriott Bonvoy
- MGM Resorts International
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.
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
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.
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
|Authorized User Fee|
|Foreign Transaction 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.
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.
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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.
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