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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn 30,000 points plus a Companion Pass good through 2/28/25 after spending $4,000 within the first 3 months.

Bonus Value

Approximately $600

Annual Fee

$99

Card Rewards

3 points on Southwest purchases

2 points on Rapid Rewards hotels and car rentals, local transit, commuting, rideshares, on internet, cable and phone services, and on select streaming.

1 point on all other purchases

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: February 6, 2024 | Credit Card Review
Why I Like This Card

With the card_name you will earn 3 points on every dollar spent on Southwest purchases and 1 point on every dollar spent on all other purchases. You will receive 6,000 points after each card member anniversary year and a great companion pass after 125,000 points earned in a calendar year (including the welcome bonus). Receive you first and second checked bag free, with a $0 charge for changing or canceling a reward booking.

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • Chase 5/24 rule: There are data points that this card is currently bypassing the 5/24 rule
  • Max cards: You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
  • Apply for two cards: If you apply for one Chase card and get approved, it is recommended to apply for a second card since Chase is very good about approving for two cards, even within the same day. If the first application is still pending, wait for it to be approved before you apply for a second card
  • Credit bureau: Chase Bank will usually pull your Experian credit report
  • Combining same-day credit inquiries: Some data points suggest that credit inquiries for all Personal Chase cards for same-day applications will be combined; also, credit inquiries for all Business Chase cards for same-day applications will be combined. Credit inquiries for Personal and Business card applications will not be combined. 
  • Check application status: You can check your application status at  Chase.com  / Customer Center / Check my app status or call 1 888 338 2586
  • Reconsideration: If declined you can call 1 888 609 7805 to be reconsidered
  • Quickest way to get my card: You will be able to add your new card to your mobile wallet immediately after you get approved (it can sometimes take up to an hour for it to show up in your online login).

  • Downgrade options: The Chase Southwest Rapid Rewards Premier card can be downgraded to the Southwest Rapid Rewards Plus Card ($69). Please note, Chase will only allow you to downgrade the card after 12 months of account opening.
Welcome Offer Eligibility
You cannot get approved for a new personal Chase Southwest Rapid Rewards credit card if your either a current Cardmember of any personal Southwest Rapid Rewards Credit Card or previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a welcome bonus on any Chase Personal Southwest credit card within the last 24 months.
Card Details And Benefits
Anniversary Bonus Points

Get 6,000 bonus points each cardmember anniversary.

Auto Rental Collision Insurance

Primary coverage on rentals when renting outside of your country of residence, and secondary coverage on rentals when renting within your country of residence. Coverage is for rentals up to 31 days.

Companion Certificate

Earn a free companion pass after earning 125,000 Southwest in a calendar year (welcome bonus points are included). Once earned the pass is valid for an unlimited amount of flights for the remainder of the calendar year plus for the full upcoming year. You will need to pay the companion’s taxes and fees.

Extended Warranty Protection

Get your original manufacturer’s warranty time matched (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per account.

Free Baggage

First and second checked bags are free on Southwest flights (this benefit is available to all Southwest customers no matter if you have their credit card or not).

Inflight Savings

New! Receive 25% back (statement credit) for inflight purchases of Wifi, and drinks.

Lost Luggage Reimbursement

Get up to $3,000 per person for lost or damaged luggage.

Luggage delay insurance

If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.

Priority Boarding

New! Get 2 free EarlyBird check-in passes

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 120 days from the date of purchase. Max $500 per claim, $50,000 per account.

Travel Accident Insurance

Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $500,000 in compensation.

Upgraded Statuses

Get 1,500 TQPs for every $10,000 you spend on the card. You need a total of 35,000 TQPS per calendar year to reach A-list status. And 75,000 TQPS per calendar year to reach A-list Preferred status

How can the points be used?
Award flights

The points can be used at approximately 1 penny per point to book award flights with Southwest airlines.

How to book

You can book award flights using your Southwest miles with Southwest airlines and its partners here.

Pay Yourself Back

You can use the points to Pay Yourself Back at 1.0 cent per point to pay the annual fee and 0.8 cents per point for up to $200 total in statement credits to offset purchases in the following categories:

  • Dining
  • Groceries

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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