Chase · Visa · personal · Southwest Rapid Rewards
Review the linked sources below for offer details and eligibility.
Earning
| Southwest Airlines (Airfare (booked direct))
2 points per $1 on purchases made directly with Southwest Airlines, including flights, inflight purchases, and Southwest gift cards.
|
2x | 2.8% |
| Gas stations
2 points per $1 on the first $5,000 spent each account anniversary year on COMBINED purchases at gas stations and grocery stores (cap shared with the groceries entry); 1 point per $1 after. Added July 2025.
up to $5,000/anniversary, then 1x
|
2x | 2.8% |
| Groceries (supermarkets)
Grocery stores. Shares the $5,000 combined anniversary-year cap with gas stations; 1 point per $1 after. Added July 2025.
up to $5,000/anniversary, then 1x
|
2x | 2.8% |
| Lyft (Rideshare)
2X total Rapid Rewards points on qualifying Lyft products and services purchased through the Lyft mobile app through 12/31/2027 (Chase card page).
requires Qualifying Lyft products booked through the Lyft app; promotion runs through 12/31/2027
|
2x | 2.8% |
| Everything else
1 point per $1 on all other purchases.
|
1x | 1.4% |
Right column: value per $ at travel valuation (1.4¢/pt). Near-fixed value ~1.3-1.4¢ on Wanna Get Away fares.
Credits
None.
Benefits
- Free first checked bag — First standard checked bag free for the Cardmember and up to 8 additional passengers on the same reservation (Rapid Rewards number must be on the booking).
- Group 5 boarding — Cardmember and up to 8 passengers on the same reservation board no later than Group 5 under Southwest's assigned-seating boarding (flights operating from Jan 27, 2026).
- Standard seat selection within 48 hours — Select a Standard seat at no charge within 48 hours prior to departure, when available, for the Cardmember and up to 8 passengers (flights in 2026 and beyond). No Preferred or Extra Legroom seats on Plus.
- 10% flight promo code each anniversary — One promotional code for 10% off the base fare of a Southwest flight each Cardmember anniversary year (excludes Basic fare; usable on cash or award bookings). Posts to your Rapid Rewards account within ~15 days of the anniversary and is valid one year.
- 3,000 anniversary points — 3,000 bonus points each account anniversary year.
- 10,000 Companion Pass qualifying points boost — One boost of 10,000 Companion Pass qualifying points each calendar year (deposited by Jan 31 or within 30 days of opening). Counts toward the 135,000-point Companion Pass threshold; not redeemable as points.
- 25% back on inflight purchases — 25% back as a statement credit on inflight drinks and WiFi bought with the card; credit posts the same day as the purchase.
- No foreign transaction fees
- DashPass and Instacart+ trials — 12 months of complimentary DoorDash DashPass (activate 2/1/2025-12/31/2027, auto-renews at the then-current rate) plus up to $10 off one non-restaurant DoorDash order each calendar quarter through 12/31/2027; 3 months of complimentary Instacart+ (activate by 12/31/2027, auto-renews at $99/yr) with a $10 Instacart credit each month while enrolled.
- Pay Yourself Back — Redeem points as statement credits against eligible purchases made in the last 90 days.
- Auto rental collision damage waiver (secondary) — Secondary coverage for theft/damage on U.S. rentals (primary outside the U.S.), up to $60,000, rentals up to 31 days, when the whole rental is paid with the card or points and the rental company's CDW is declined.
- Purchase protection — New purchases covered 120 days against damage or theft, up to $500 per item and $50,000 per account (90 days for NY residents).
- Extended warranty — Adds one year to eligible U.S. manufacturer warranties of three years or less.
- Baggage delay insurance — Up to $100 per day for up to 3 days for essentials when checked bags are delayed more than 6 hours.
- Lost luggage reimbursement — Up to $3,000 per covered traveler for lost or damaged checked or carry-on bags ($2,000 per bag / $10,000 per trip for NY residents).
- Travel accident insurance — Accidental death or dismemberment coverage up to $500,000 on covered trips paid with the card.
- Roadside dispatch — Pay-per-use roadside dispatch plus travel and emergency assistance services (service costs are not covered).
Protections
| purchase protection | 120 days, up to $500 per item / $50,000 per account (90 days for NY residents) |
| extended warranty | +1 year on eligible warranties of 3 years or less |
| baggage delay | Up to $100/day for 3 days after 6 hours |
| lost luggage | Up to $3,000 per covered traveler ($2,000 per bag / $10,000 per trip for NY residents) |
| rental car | secondary |
| roadside | Roadside dispatch (pay-per-use) |
| travel accident | Up to $500,000 |
Notes
Entry-level Southwest consumer card (Visa Signature). July 24, 2025 refresh: annual fee $69 -> $99 (existing cardholders from 2026 renewals); added 2X on gas + grocery (first $5,000 combined per anniversary year), free first checked bag for Cardmember + 8, Group 5 boarding, Standard seat selection within 48 hours (flights in 2026+), and a 10% flight promo code each anniversary. Removed effective 12/31/2025: 2X on Rapid Rewards Hotels and car rental partners, internet/cable/phone/select streaming, local transit/commuting, and the 2 EarlyBird Check-In certificates (EarlyBird itself ended with assigned seating in Jan 2026). Kept: 2X Southwest, 3,000 anniversary points, 10,000 CP boost, 25% inflight rebate. Lyft 2X runs through 12/31/2027. Companion Pass: 135,000 qualifying points (or 100 qualifying one-way flights) in a calendar year; the card's 10,000-point boost (deposited by Jan 31 each calendar year, or within 30 days of account opening) cuts that to 125,000, and all points earned on the card count. Temporary promos seen Sept 2026: registered cardholders earn 2x Companion Pass-qualifying (non-redeemable) points on hotel/lodging spend 7/1-9/30/2026 capped at 10,000 bonus points, and a targeted 30% bonus-points spend offer through 9/30/2026. Application rules: Chase 5/24; only one Southwest personal card at a time and no bonus if you received one on any Southwest personal card in the past 24 months. Trip cancellation/interruption and trip delay coverage are NOT listed on Chase's page for this card.
Verified 2026-09-08 · confidence high · sources: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17