Southwest Rapid Rewards® Premier Credit Card
A $149-annual-fee miles card from JPMorgan Chase Bank, National Association, with a $550 signup bonus.
JPMorgan Chase Bank, National Association · VISA
- Annual fee
- $149
- Purchase APR
- 19.24–27.74%variable
- Signup bonus
- $550
- Foreign transaction
- None
Earn Rules
| Grocery | 2.00% |
| Dining | 2.00% |
| All Other | 1.00% |
Temporary earning
Limited-time promos or rotating categories. Excluded from Net Annual Value because these expire.
| Travel | 3.00%intro |
Rates with strings attached
These apply only at a specific brand, or need something beyond how you spend, like a balance held with the issuer or a status tier. They are real, but we do not count them in the value above, which uses the rates any cardholder earns on ordinary spending.
| on Southwest Airlines purchases | 3.00% |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| $10 monthly Instacart creditmonthlySource ↗ | $120/yr |
| up to $10 off quarterly on non-restaurant DoorDash ordersquarterlySource ↗ | $40/yr |
| Total credits / year we count | $160 |
The total counts each credit at face value, and only the ones reachable at this spending level.
Signup Bonus
Earn 55,000 bonus points after you spend $1,500 on purchases in the first 3 months from account opening.
Value: $550 · Spend $1,500 in 3 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who reliably pay their balance in full each month. The 27.74% APR would wipe out the card's other benefits within a single billing cycle of revolving.
- People whose flights are mostly with JPMorgan Chase Bank, National Association. The 3.00% is where this card beats a general-purpose one, and it only applies to that spending.
Wondering if this card pays off for your situation? Is the Southwest Rapid Rewards® Premier Credit Card worth it? →
Cards in the Same Fee Tier That Score Higher
A similar annual fee, ranked higher at the default profile.
- Hilton Honors American Express Surpass® Card$972 (+$622)
- Delta SkyMiles® Gold American Express Card$859 (+$509)
- Disney® Inspire Visa® Card$669 (+$319)