Southwest Rapid Rewards® Premier Credit Card

Cardholders' Choice i
Cardholders' Choice i
  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open
  • Chip-enabled cards with 24/7 fraud monitoring
  • Points Don’t Expire as long as your card account is open, No Blackout Dates, Bags Fly Free®
  • 6,000 points after your cardmember anniversary every year
  • 2 points/$1 spent on Southwest® purchases and participating Hotel and Car Rental partners
  • 1 point/$1 spent on all other purchases
  • No foreign transaction fees
Annual Fee:
Purchase Intro APR:
Purchase Regular APR:
16.24% - 23.24%*
Balance Transfer Intro APR:
Balance Transfer Regular APR:
16.24% - 23.24%*

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 $0
Return Payment Fee See Terms*


Sign-Up Bonus

Earn 40,000 points after you spend $1,000 in 3 months.

All Purchases

1 point per dollar

No cap on spending


2 points per dollar

2 points/$1 spent on Southwest® 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 131 out of 134

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
Not as valuable as it once was
by emilybrenn
Helpful to 4 out of 4

I have had this card for 5 years. Before Southwest decreased the value of its points, I found htis card to be my preferred card. After the $99 annual fee and the point decrease, this card is not as useful. I called Chase to see if my annual fee could be waived and spoke to two very rude customer service agents based in Texas. Neither would waive the fee, offer more points, or decrease my APR. I have other Visas and other travel rewards cards. They would only consider raising my creidt limit if I authorized a hard pull of my credit report, which I do not want to do because my score is about 780 and I plan to buy a house soon. After 5 years of being a good customer, they literally offered nothing to keep me onboard.

I am only keeping this card for credit history purposes for now. I would not recommend this airline card or Chase cards to anyone after this experience - go with American Express if you can.

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ 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 April 2016 through September 2016. 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.

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