Chase · Personal card
Southwest Rapid Rewards Plus Credit Card
The Southwest Rapid Rewards Plus Credit Card has a $99 annual fee and up to $160 a year in statement credits, across two credits. All Southwest Rapid Rewards Plus Credit Card credits need a one-time enrollment before any spending counts, and Chase will not apply them retroactively.
- Annual fee
- $99
- Charged on your account anniversary
- Credits a year
- Up to $160
- 2 statement credits, used in full
- Need enrollment
- 2 of 2
- Credits. Enroll before you spend
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| Instacart monthly creditEnroll first$10 a month. On the 1st of each month | $10 a month | On the 1st of each month | $120 |
| DoorDash quarterly non-restaurant discount creditEnroll first$10 a quarter. Every quarter (January, April, July, October) | $10 a quarter | Every quarter (January, April, July, October) | $40 |
| Total a year, if you use every credit | $160 |
What people get wrong
- Enrollment comes first. Two benefits need a one-time enrollment. Spend before you enroll and nothing posts, because Chase will not apply a credit retroactively.
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the Southwest Rapid Rewards Plus Credit Card
What is the annual fee on the Southwest Rapid Rewards Plus Credit Card?
$99 a year, charged each year on your account anniversary.
How much are the Southwest Rapid Rewards Plus Credit Card credits worth?
Up to $160 a year if you use all two statement credits in full. The largest: Instacart monthly credit ($120) and DoorDash quarterly non-restaurant discount credit ($40).
Which Southwest Rapid Rewards Plus Credit Card benefits need enrollment?
All two: Instacart monthly credit and DoorDash quarterly non-restaurant discount credit. Enroll before you spend, because Chase will not apply a credit retroactively.
When do the Southwest Rapid Rewards Plus Credit Card credits reset?
Monthly credits reset on the 1st of each month, and quarterly credits on January 1, April 1, July 1 and October 1. Unused credit does not roll over.
Is the Southwest Rapid Rewards Plus Credit Card worth the $99 fee?
On credits alone, only if you use at least 62% of them. They add up to $160 a year against the $99 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
What points does the Southwest Rapid Rewards Plus Credit Card earn?
Southwest Rapid Rewards points, worth about 1.3 cents each in a typical redemption.
