Southwest Rapid Rewards® Priority Credit Card
The Southwest Rapid Rewards® Priority Credit Card from Chase earns up to 2.8% effective value on dining in Madeen's catalog snapshot. Its annual fee is $229. New applicants may see: Earn 60,000 bonus points after you spend $2,000 in the first 3 months from account opening.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2.8%
- Annual fee
- $229
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Southwest Rapid Rewards Priority Credit Card earn in each category?
Dining is the strongest category at 2.8% effective value (2x miles at about 1.4 cents each). That dining rate ranks higher than about 65% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2.8% effective value (2x miles at about 1.4 cents each). That dining rate ranks higher than about 65% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x miles | 2.8% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1.4% |
| Gas Gas stations and fuel | 2x miles | 2.8% |
| Travel Flights, hotels, transit | 1x miles | 1.4% |
| Other General everyday spend | 1x miles | 1.4% |
Madeen values Southwest Rapid Rewards at about 1.4 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Southwest Rapid Rewards Priority Credit Card reward caps and conditions?
The Southwest Rapid Rewards Priority Credit Card has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 2 points for each dollar spent at restaurants
- Earn 2 points for each dollar spent at gas stations
Who should get the Southwest Rapid Rewards Priority Credit Card?
The Southwest Rapid Rewards Priority Credit Card fits spenders who put meaningful volume in dining and can earn 2x miles. Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Southwest Rapid Rewards Priority Credit Card fits spenders who put meaningful volume in dining and can earn 2x miles. Madeen ranks its dining effective rate higher than about 65% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $229 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2.8% effective (2x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $229 annual fee requires enough spend in bonus categories to offset.
- Southwest Rapid Rewards value depends on how you redeem, not straight cash back.
Does the Southwest Rapid Rewards Priority Credit Card have an annual fee, and what's the welcome bonus?
The Southwest Rapid Rewards Priority Credit Card has an annual fee of $229 and a foreign transaction fee of None. New applicants may see: Earn 60,000 bonus points after you spend $2,000 in the first 3 months from account opening.. Confirm current issuer terms before applying.
- Annual fee
- $229
- Foreign transaction fee
- None
- Signup bonus
- Earn 60,000 bonus points after you spend $2,000 in the first 3 months from account opening.
What travel perks does the Southwest Rapid Rewards Priority Credit Card include?
The Southwest Rapid Rewards Priority Credit Card includes Free checked bag, 10,000 Companion Pass® qualifying points, 7,500 points every year, Baggage Delay Insurance in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
- Free checked bagFirst checked bag free for Cardmembers and up to 8 additional passengers in the same reservation. For a family of 4 this would be a savings of up to $280 roundtrip ($35 per bag per trip)
What benefits come with the Southwest Rapid Rewards Priority Credit Card?
- 10,000 Companion Pass® qualifying points
10,000 Companion Pass® qualifying points boost each year.
- 7,500 points every year
7,500 points every year on your Cardmember anniversary.
- Baggage Delay Insurance
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
- Boarding benefit
Boarding benefit - Cardmembers and up to 8 additional passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Complimentary Instacart+ Membership
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
- Complimentary Preferred seat at booking
Complimentary Preferred seat at booking - Select a Preferred seat at booking, at no additional charge, when available.
- DoorDash
Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Common questions about the Southwest Rapid Rewards Priority Credit Card
Does the Southwest Rapid Rewards Priority Credit Card have an annual fee?
The Southwest Rapid Rewards Priority Credit Card carries an annual fee of $229 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Southwest Rapid Rewards Priority Credit Card?
Dining is the strongest Madeen category for the Southwest Rapid Rewards Priority Credit Card at about 2.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Southwest Rapid Rewards Priority Credit Card charge foreign transaction fees?
The Southwest Rapid Rewards Priority Credit Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Southwest Rapid Rewards Priority Credit Card welcome bonus?
The Southwest Rapid Rewards Priority Credit Card welcome offer in our snapshot: Earn 60,000 bonus points after you spend $2,000 in the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Southwest Rapid Rewards Priority Credit Card annual fee worth it?
Whether the $229 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Southwest Rapid Rewards Priority Credit Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Southwest Rapid Rewards Priority Credit Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Southwest Rapid Rewards Priority Credit Card compare to similar cards?
Compare the Southwest Rapid Rewards Priority Credit Card against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Southwest Rapid Rewards Priority Credit Card This card | Dining | 2.8% | $229 |
Chase | Dining | 4.5% | $95 |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
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