Southwest Plus Credit Card Calculator

Card Details & Southwest Point Calculator
2X Southwest
2X Southwest Hotel Partners
2X Soutwhest Rental Car Partners
Annual Bonus Points

Get a review of the Southwest Plus Card, calculate how many Southwest Points you can earn based on your spend, and compare results side-by-side top cards.

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 which is Southwest Airlines and Southwest hotel & car rental partner spend. There is no limit to the amount of bonus Southwest Points you can earn with this card and no limit to the amount of Southwest Points you can earn with the point overall.

Do note that the Southwest Plus, Southwest Premier, and Southwest Priority credit cards have the same earning structure.

Perks & Benefits

The only benefit of the Southwest Plus card is the annual points you'll be given each year and the usualy great benefits that comes with Chase credit cards.

  • 3,000 Anniversary Points Annually
  • Travel & Purchase Coverage
    • Lost Luggage Reimbursement
    • Baggage Delay Insurance
    • Extended Warranty Protection
    • Purchase Protection

Sign Up Bonus (SUB)

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 easily enough for a one-way trip and can also be enough for a round-trip depending on the origin and destination.

The standard sign up bonus is the same across the Southwest Plus, Premier, and Priority Cards.


Annual Fee

The annual fee for the Southwest Plus Credit Card is $69. This is lower than most co-branded cards, but not be useful to hardcore Southwest fliers due to the lack of benefits and perks it offers.

The annual bonus of 3,000 points should make up for a chunk of the annual fee the card does have. This card is for those who just want the ability to earn double Southwest Points on Southwest purchases.

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% meaning you will be penalized for any international purchases ran across the card. The Southwest Premier and Southwest Priority cards do not have a foreign transaction fee. Even with that being said, none of the Southwest Cards are that great for international spend. If you're looking to earning Southwest Points internationally, I recommend considering the Ultimate Rewards Program which is a transfer partner of Southwest.

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 other rewards card side-by-side by clicking on the Compare A Card button.
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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...
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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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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.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of this 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.
Total Return
The percent you are earning per dollar spent on this card.

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