Southwest Airlines Rapid Rewards® Premier Credit Card

Cardholders' Choice i
Cardholders' Choice i
  • Earn 25,000 points after you spend $1,000 on purchases in the first 3 months your account is open
  • Named 2015 Freddie Award Winner for Best Loyalty Credit Card
  • Chip-enabled cards with 24/7 fraud monitoring
  • Points Don’t Expire, No Blackout Dates, Bags Fly Free®
  • 6,000 points after your Cardmember Anniversary
  • 2 points/$1 spent on Southwest Airlines® purchases and participating Hotel and Car Rental partners
  • 1 point/$1 spent on all other purchases
Annual Fee:
Purchase Intro APR:
Purchase Regular APR:
Balance Transfer Intro APR:
Balance Transfer Regular APR:

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 25.24%* Variable
Cash Advance Fee 5%, Min; $10
Late Fee See Terms*
Penalty APR None
Balance Transfer Fee 5%, Min: $5
Foreign Transaction Fee None
Return Payment Fee Up to $37


Savings over 1 year ‑$99
Savings over 3 years ‑$297

Transaction Type Value

Savings Details

How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.


Sign-Up Bonus

Earn 25,000 points after you spend $1,000 in 3 months.

All Purchases

1 point per dollar

No cap on spending


2 points per dollar

2 pts/$1 spent on Southwest Airlines® purchases

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
by rushartem
Helpful to 113 out of 115

CK 697 - Was approved instantly for Southwest Premier Visa Signature $15.5k @ 15.24%. Received the card in about 4 days. I applied when there was only 1 free flight offered, however, by the time i received the card the offer was for 50k points (2 free flights). I emailed customer service after receiving the card asking if they could give me the 25k points on top of the 25k points i received to match the current offer. Their reply was that they would be glad to do it as it would just be good business. I was impressed. Shortly after getting the card my wife and I decided to use the free flights for our anniversary trip, but i found out that it takes Chase up to 2 billing cycles to credit the points and up to 30 days for Southwest to credit those points to your rapid rewards account. Once again i logged into my chase account and sent a "secure message" to Chase asking if I could have the points sooner. Next day i had an email back saying that they would be glad to credit my points sooner, by the end of next business day i had my points in my Southwest account. I've been very impressed with the general service.

Customer service number on the back of the card, an actual person picked up when i called. That was something i've never had with any other card.

The 50k points was actually more than enough for two tickets for us. We only spent 35k points on two tickets from RI to FL and back with enough points left over for a 3rd ticket for some other time :)

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Be Careful!!!
by crazyaszcreola
Helpful to 16 out of 20

I signed up for this credit card several months ago. The incentive for me was the 50,000 bonus points but to my dismay i would never receive them. I completed the sign on online and click the link that displayed the bonus points. upon trying to redeem them, Chase stated i was not eligible, and that i should have called during the 3 month period. I did during the sign up and was assured I would receive the points 6-8 weeks after the 3 month period was over and I spent at least $2,000. My advice, make sure you follow up within the first three months. Had I known I would've been scammed on my points I would've stuck with my Jet Blue Visa which gave me a lower interest rate by 2%. 

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