Chase / Southwest · card facts

Southwest Rapid Rewards Plus

Solid Southwest-specific economics with modest annual cost.

WELCOME BONUS50k pointsSpend $1,000

ANNUAL FEE$99First year: $99

CREDITSEasy$75/yr advertised

LOUNGE ACCESSNo lounge access

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$1,186

Welcome bonus · TPG est.+$625

Full advertised annual credits+$75

Rewards on $36,000 benchmark spend+$585

First-year annual fee−$99

Keep / year · best case credits

+$598

Definitely keep

This recurring estimate uses the full advertised credit amount. The Easy label tells you how realistic it may be to capture all $75 of those credits.

Advertised credits$75

Credit difficultyEasy

TPG Aug. 2026 value1.25¢

Annual fee$99

Fee minus advertised credits$24 cost

Credit details

$75 advertised per year · Easy to use fully

Card creditsVaries · Varies difficulty

$75 advertised

See issuer terms for eligible purchases, timing and restrictions.

Lounge access

No lounge access

No lounge access included in the current dataset.

Compare all cards →Read the methodology

Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.