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Southwest Rapid Rewards Plus Credit Card
A lower-cost way to get into the Southwest ecosystem if you value anniversary points and occasional airline perks.
Last verified Mar 25, 2026. Confirm live issuer terms before applying.
Bottom line
Worth a closer look if the benefits fit your routine
- Best fit
- Best fit if travel and gas is already in your budget and you can route about $1,000/mo of normal spend.
- Watch out
- $99 fee only works if the benefits are useful without changing your spending behavior.
Bonus ROI
7%
Welcome bonus on required spend
Annual fee
$99
Annual card cost
Credit needed
Good+
Issuer approval tier
Required spend
$3,000 / 3 mos
Welcome-offer threshold
Travel
2x
Southwest purchases.
Gas
2x
The first $5,000 in combined gas and grocery purchases each year.
Groceries
2x
The first $5,000 in combined gas and grocery purchases each year.
Credits And Perks
What actually offsets the fee
Southwest Anniversary Value
Southwest cards are centered on Rapid Rewards value through anniversary points, flight-related perks, or other airline-program benefits.
Travel Rewards Ecosystem
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Issuer Offer
Check the live terms before applying
Confirm the welcome offer, annual fee, credits, and eligibility rules on the issuer site.
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