Southwest Rapid Rewards® Plus Credit Card

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  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open 
  • 3,000 bonus points after your Cardmember anniversary 
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases 
  • 1 point per $1 spent on all other purchases 
  • Earn unlimited points that don't expire as long as your card account is open 
  • No blackout dates or seat restrictions 
  • Bags fly free® and no change fees 
  • Redeem your points for flights, hotel stays, gift cards, access to events and more
Annual Fee:
$69
Purchase Intro APR:
N/A
Purchase Regular APR:
16.99% - 23.99%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
16.99% - 23.99%*
Variable

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 25.99%* Variable
Cash Advance Fee 5%; Min $10
Late Fee See Terms*
Penalty APR None
Balance Transfer Fee 5%; Min: $5
Foreign Transaction Fee 3%
Return Payment Fee See Terms*

Rewards

Welcome Bonus

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

All Purchases

1 point per dollar

No cap on spending


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
Anonymous
Excellent Sign-On Bonus
by Anonymous
Helpful to 15 out of 15

I was approved for this card with a 686 FICO score. They pulled Experian. At the time of application, I was utilizing 57% of available credit. The sign-up bonus of 40,000 points was granted after only $1,000 of spend on the same day that the first statement posted. The bonus was enough for a round-trip "Wanna Get Away" direct flight to Cancun, MX with about 5,000 in points left over. The customer service is great and problem resolution is prompt. Point redemption is relatively quick. There's no annual fee. The biggest trade off between this and the Premier version of the card are 3,000 annual anniversary points versus 6,000 annual anniversary points and foreign transactions fees on the Plus versus the Premier. Also, with heavy usage and payment in full each month, I received an auto-credit line (I didn't request this so no hard-pull) increase with the third statement posting. At the time of approval, a paid collection was reporting along with 1 late paid student loan from 3-years ago. Hopefully, this is helpful.

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 Review
Anonymous
Excellent Sign-On Bonus
by Anonymous
Helpful to 15 out of 15

I was approved for this card with a 686 FICO score. They pulled Experian. At the time of application, I was utilizing 57% of available credit. The sign-up bonus of 40,000 points was granted after only $1,000 of spend on the same day that the first statement posted. The bonus was enough for a round-trip "Wanna Get Away" direct flight to Cancun, MX with about 5,000 in points left over. The customer service is great and problem resolution is prompt. Point redemption is relatively quick. There's no annual fee. The biggest trade off between this and the Premier version of the card are 3,000 annual anniversary points versus 6,000 annual anniversary points and foreign transactions fees on the Plus versus the Premier. Also, with heavy usage and payment in full each month, I received an auto-credit line (I didn't request this so no hard-pull) increase with the third statement posting. At the time of approval, a paid collection was reporting along with 1 late paid student loan from 3-years ago. Hopefully, this is helpful.


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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 May 2017 through October 2017. 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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