Southwest Rapid Rewards® Plus Credit Card Reviews
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
Card Details
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 16.99% - 23.99%* Variable
- Annual Fee $69
- Purchase Intro APR Not Applicable
- Purchase Regular APR 16.99% - 23.99%* Variable
These reviews were written by current and former cardholders in the last year.
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‡ Average score refers to the arithmetic mean and typical low score to the 5th 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 June 2014 through November 2014. 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.
Relationships matters!
I use SW as my preferred airline and have a rapid reward account. I just came back from a trip and saw the 60K bonus. I checked Chase's prequel site and didn't get any offers. Knowing if I app, I would be on the edge of Chase's 5/24 rule. In my emails, there was a rapids reward email from my recent trip. I clicked on that and applied, approved with my highest SL to date! Called to Chase the next day to verify that the app had indeed gone through. The rep helped me set up on line access and I should have my card this week. If you are a RR member, use the offer link in their emails.
Best Airline Card
Southwest flies everywhere in the continental U.S. and the fairs are very affordable. When you get the card they offer a 50,000 mile signing bonus which can be used for 5 or 6 round trip flights (if you choose cheap ones). I have a checking account with Chase as well so I can go online (same web page) and see all transactions and pay my bill by transfering money directly from my checking to credit acount. Best card I've ever had. I don't even use my high interest cards anymore.
Excellent Sign-On Bonus
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.
Good card
I was approved for $12k limit with a 740 Fico score and $53k yearly income.