Southwest Rapid Rewards® Plus Credit Card

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Southwest Rapid Rewards® Plus Credit Card

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Annual Fee

$69

Rewards

2X Southwest & partners, 1X all else

APR

21.49%-28.49% variable

Sign-Up Bonus

50,000 points after $1,000 spend in 3 months

The Southwest Rapid Rewards® Plus Credit Card is a solid choice for frequent Southwest flyers, offering valuable rewards and benefits at a reasonable annual fee.

Card details

Earn 2X points on Southwest purchases, Rapid Rewards hotel and car rental partners. Anniversary bonus of 3,000 points each year.

Pros

  • Earn 2X points on Southwest purchases and certain categories
  • Annual bonus of 3,000 points
  • First checked bag free on Southwest flights
  • Generous sign-up bonus of 50,000 points
  • Good for those with a credit score of 670+

Cons

  • Annual fee of $69 may not appeal to occasional travelers
  • High APR range of 21.49%-28.49% variable
  • Limited to Southwest and a few partners for maximizing rewards
  • Points redemption can be less flexible compared to other cards
  • Rewards primarily benefit loyal Southwest customers only

🎯 Best For: This card is best for travelers who frequently fly with Southwest Airlines and want to maximize their rewards on airline purchases.

⚠️ Watch Out: Be mindful of the high APR and annual fee if you do not travel often with Southwest.

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Expert Review

The Southwest Rapid Rewards® Plus Credit Card is tailored for avid Southwest Airlines travelers, providing a compelling rewards structure with 2X points on Southwest purchases and select partners, including hotels and car rentals. The initial sign-up bonus of 50,000 points after spending $1,000 in the first three months is a significant incentive, allowing new cardholders to kickstart their rewards accumulation. Additionally, the card offers an annual bonus of 3,000 points, which can be a nice perk for loyal customers. Another advantage is the first checked bag free benefit, making it particularly appealing for those who travel frequently with Southwest.

However, potential users should consider the annual fee of $69, which may not be justified for infrequent travelers. The APR range of 21.49%-28.49% is also on the higher side, which could be a drawback for those who might carry a balance. Moreover, rewards are somewhat limited to Southwest and its partners, which might not provide the same level of flexibility as other travel credit cards. Overall, while the card offers solid benefits for dedicated Southwest flyers, those who do not travel frequently with the airline may want to explore alternative cards that offer broader travel rewards.

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