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Southwest Airlines Rapid Rewards® Premier Credit Card

Offered by: Chase

Southwest Airlines Rapid Rewards® Premier Credit Card

  • Earn 25,000 points after you spend $1,000 on purchases in the first 3 months of opening your account.
  • Named 2015 Freddie Award Winner for Best Loyalty Credit Card
  • NEW - 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

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
695
Typical Low: 607
Typical High: 789
   

N/A

15.99%*

N/A

15.99%*

 

Variable

 

Variable

Additional Details

Click here for Additional Details

* 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.

Offer Details:

Cash Advance Rate

See Terms

Annual Fee

$99

Late Fee

See Terms

Cash Advance Fee

5%, Min; $10

Balance Transfer Fee

3%, Min: $5

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

$0

$0

$0

Interest Savings on Transferred Balance

$0

$0

$0

Interest Savings on New Purchases

$0

$0

$0

Value of Rewards on New Purchases

$465

$465

$465

Value of Bonus Points

$250

$0

$0

Annual & Application Fees

‑$99

‑$99

‑$99

 

Savings

Total Annual Savings

$616

$366

$366

Total Savings over 3 Years

$1,348

Credit Card Usage Profile

Transfer a Balance
Edit
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $99
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
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.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder

Sample Size: 322
Data Created: February 02, 2015



85 Cardholder 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 Recent Reviews

j0rdster(5, 5)

Good benefits, mediocre card overall. Helpful to 1 out of 1 people

When I applied for the card the bonus offer was only for 10,000 bonus miles, which I received. Aside from a low interest rate and ability to earn double points on Southwest purchases, my other favorite benefits are the Visa Signature card benefits, which includes primary coverage loss/damage rental car coverage. This is hard to come by on many cards these days, but is included with Visa Signature and World Mastercard--a benefit that Discover doesn't offer. For that reason (and that reason alone, because I despise Southwest), I chose to keep this card.

j0rdster's response was:    

 
May 26, 2015
Be Careful!!! Helpful to 8 out of 8 people

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%. 

crazyaszcreola's response was:    

 
May 12, 2015

Designlmc(36, 421)

Top Contributor

Had to jump through some hoops first... Helpful to 3 out of 3 people

5 years out of  Ch. 7, I applied for my first airline miles card. Scores in high 600s and low 700s, 10% utilization, 100% on-time payments since BK. To make things more complicated, Chase was a creditor during the BK.  Got a message that my account was under review for 7-10 days. Immediately called customer service. I had to answer a series of very detailed questions regarding the bankruptcy (why it happened, what will you do to avoid BK in the future, etc.). After answering all the questions, the rep said it was going on to another review panel and she would recommend approval.

Two weeks later I got a letter in the mail from their fraud department asking me to call and confirm that I had requested the card. Upon calling, I answered a series of questions to prove my identify and was put on hold for 10 minutes. The rep came back and congratulated me...I was approved for $2,000. Not bad for giving me a second chance. 

I have better rewards cards (2 for 1 points), but getting 1-2% back is not as important to me now as acruing points for flights. 

Designlmc's response was:    

 
May 04, 2015
Pain to get, but hopefully worth it. Helpful to 6 out of 6 people

Applied for this card from an invitation letter they had sent me, advertising the 50,000 point offer. Seeing as I fly Southwest all the time to visit family in Florida, I jumped at the offer. I applied online on 4/9, and it came back as not able to instantly approve. A few days later I got a letter from their fraud department asking for documentation of my date of birth, and my mailing / physical addresses (funny, seeing as they had sent me the invite, and I already have two Chase cards). I sent in a copy of my drivers license, and waited... and waited... no updates on the application status line, other than my application had been recieved, and was being reviewed. I finally called the reconsideration line on 4/24, and spoke with a very polite and professional lady, who reviewed all my information, and then approved me within 15 minutes for the Preferred card with a $12K limit.

So, as many have said before, it really is worth it to call the reconsideration line, otherwise they drag their feet. I'm excited to add this card to my portfolio, and rack up some free flights.

CK: 741 TU 741 EX

FICO: 736

spencegeorgi's response was:    

 
Apr 26, 2015
Straight Forward Application Helpful to 3 out of 3 people

My girlfriend has this card and we use it for most everything to accumulate points. I applied recently and was instantly approved for $5k at 15.99% 

CK score of 617 real TU score of 703

aaronshirley751's response was:    

 
Apr 23, 2015

See all 85 Reviews of Southwest Airlines Rapid Rewards® Premier Credit Card

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from January 2015 through June 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.