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Southwest Plus

$99 / yr · Earns Ultimate Rewards

The Southwest Rapid Rewards Plus is an entry-level airline card for occasional Southwest flyers who want free checked bags, anniversary bonus points, and Rapid Rewards earnings at a $99 annual fee.

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Earning rates

CategoryRateNotes
Flights2x

Benefits

Welcome Bonus

  • New Cardmember Bonus – 50,000 Points50,000 pts

    Earn 50,000 bonus Rapid Rewards points after spending $1,000 on purchases in the first 3 months from account opening. Points post to your Rapid Rewards account and can be used toward flights and more. The spending threshold must be met within the 3-month window.

Bonus Earnings

  • 2x Bonus Points on Southwest Airlines Purchases

    Use your card for flights, inflight purchases, gift cards, and other direct Southwest transactions to earn 2 Rapid Rewards points per dollar. Points post automatically after each billing cycle with no activation required.

    Resets: Yearly
  • 2x Bonus Points on Gas Stations and Grocery Stores

    Earn 2 Rapid Rewards points per dollar at gas stations and grocery stores, up to $5,000 in combined purchases per anniversary year. Once you hit that cap, spending in those categories drops back to 1 point per dollar. No registration needed.

    Resets: Yearly
  • Base Earnings on All Other Purchases

    Every purchase that doesn't fall into a bonus category earns 1 Rapid Rewards point per dollar spent. There's no cap, so all your everyday spending contributes to your points balance.

    Resets: Yearly

Statement Credits

  • Anniversary Bonus Points3,000 pts / yrTrackable

    Each year on your card anniversary, 3,000 Rapid Rewards points are automatically added to your account. No action required — the points show up as long as your account stays open.

    Resets: Yearly
  • Inflight Savings Statement Credit25% / yr

    Pay for drinks or Wi-Fi on Southwest-operated flights with your card and get 25% back as a statement credit. The credit posts automatically — there's nothing to submit or claim.

    Resets: Yearly

Travel Benefits

  • Priority Boarding

    You and up to 8 passengers on your reservation board with Group 5 on Southwest flights, giving you earlier access to overhead bins. No separate purchase is needed — just present your boarding pass. This applies to flights in 2026 and beyond under Southwest's updated boarding process.

    Resets: Yearly
  • Flight Discount Code10% / yrTrackable

    Once per anniversary year, you'll receive a 10% promo code for Southwest flights. Enter it at checkout on Southwest.com or the app to reduce the base fare. The code cannot be used on Basic fares or previously booked flights.

    Resets: Yearly
  • 25% Back on Inflight Purchases

    Get 25% back as a statement credit on inflight purchases — drinks and WiFi — when you pay with your Southwest Plus card. The credit posts automatically to your account after each qualifying purchase. Only purchases made on Southwest Airlines flights count.

    Resets: Yearly
  • Companion Pass Qualifying Points Boost10,000 pts / yr

    Each year you receive a 10,000-point head start toward qualifying for the Southwest Companion Pass. These points count alongside points earned from purchases and partner activity, helping you reach the qualifying threshold sooner.

    Resets: Yearly
  • EarlyBird Check-InTrackable

    Receive two complimentary EarlyBird Check-Ins per year, which automatically secure your boarding position before general check-in opens. This perk currently covers Southwest flights operating in 2025 only, through December 31, 2025.

    Resets: Yearly
  • Complimentary Standard Seat Selection

    Starting 48 hours before departure, you can select a Standard seat on Southwest flights at no charge — for yourself and up to 8 passengers on the same reservation. Seat availability varies, so earlier selection within that window is better.

    Resets: Yearly

Travel Insurance

  • Lost Luggage Reimbursement

    Covers up to $3,000 per traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen on a covered trip. Pay for the trip with your card to activate coverage. Coverage applies to you and immediate family members traveling with you.

  • Baggage Delay Insurance

    Covers up to $100 per day for up to 3 days ($300 maximum) for essential purchases like toiletries and clothing when your baggage is delayed. Coverage kicks in once the delay exceeds 6 hours. Your trip must be paid for with your card to qualify.

Purchase Protection

  • Purchase Protection

    Covers new purchases against damage or theft for 120 days from the date you buy them. Reimbursement is capped at $500 per item. Use your card to make the purchase — coverage is not retroactive.

  • Extended Warranty Protection

    Adds one extra year to eligible U.S. manufacturer warranties of three years or less on items you buy with your card. Coverage applies for up to four years from the original date of purchase. Only warranties issued in the U.S. qualify.

Fees & Miscellaneous

  • No Foreign Transaction Fees

    Pay no foreign transaction fees when you use your card for purchases outside the U.S. or in a foreign currency. This applies to in-person, online, and phone transactions with international merchants.

    Resets: Yearly
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