Southwest Plus Benefits, Credits & Annual Fee

• 50,000 Rapid Rewards bonus points

  $1,000 First 3 months from account opening This product is available to you if you do not have a current Southwest Rapid Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card and Employee Credit Card products. Southwest Rapid Rewards® Credit Cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

  Checked Oct 14, 2026Source

• Monthly Instacart Credit$10 / moEnrollment required

  Receive one $10 credit in your Instacart account each month with an active Instacart+ membership after activating the Chase Instacart+ offer (through 12/31/2027). Credit requires an active membership and a minimum $10 qualifying order; unused monthly value does not roll over.

  Checked Sep 14, 2026
• 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: Card anniversaryChecked May 22, 2026
• DoorDash Quarterly Non-Restaurant Credit$10 / qtrTrackableEnrollment required

  DashPass members get up to $10 off quarterly on DoorDash non-restaurant orders when the Southwest Rapid Rewards Plus DashPass benefit is activated.

  Resets: QuarterlyChecked Sep 28, 2026
• 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.

  Checked May 22, 2026

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.

  Checked May 22, 2026
• First Checked Bag Free

  The primary Rapid Rewards credit cardmember and up to eight passengers traveling on the same reservation are each eligible for their first standard checked bag free on Southwest flights. Save up to $90 round trip ($45 per bag each way) when applicable.

  Checked Sep 14, 2026
• Flight Discount CodeTrackable

  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: Card anniversaryChecked May 22, 2026
• 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.

  Checked May 22, 2026
• 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.

  Checked May 22, 2026
• 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.

  Checked May 22, 2026

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.

  Checked Oct 9, 2026
• 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.

  Checked Oct 9, 2026

Bonus Earnings

• 1x Points on introductory balance transfers1x points

  Earn 1 Rapid Rewards point per dollar on introductory balance transfers. Transfer a balance to your card within 90 days of your original account opening date. Points apply only to the first $10,000 in balance transfers made during that period.

  Checked Sep 30, 2026
• 2x Bonus Points on Southwest Airlines Purchases2x points

  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.

  Checked Sep 14, 2026
• 2X points on Lyft purchases2x points

  Earn 2 Rapid Rewards points per dollar on qualifying Lyft products and services. Make the purchase through the Lyft mobile app using your Southwest Plus card. This offer runs through December 31, 2027.

  Checked Oct 9, 2026
• 2x Bonus Points on Gas Stations and Grocery Stores2x points

  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.

  Checked Oct 2, 2026
• 1x Base Earnings on All Other Purchases1x points

  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.

  Checked Sep 14, 2026

Dining Benefits

• Complimentary DoorDash DashPassEnrollment required

  Get 12 months of complimentary DashPass for use in the DoorDash and Caviar apps. Activate your membership for the first time with your Southwest Plus card between February 1, 2025, and December 31, 2027. The 12-month period starts on your first activation date.

  Checked Oct 9, 2026

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.

  Checked Oct 9, 2026
• 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.

  Checked Oct 9, 2026

Concierge & Membership

• Complimentary Instacart+ MembershipEnrollment required

  Three months of complimentary Instacart+ membership when activated for the first time between 5/1/2025 and 12/31/2027 with the Southwest Rapid Rewards Plus Card.

  Checked Oct 9, 2026

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.

  Checked May 22, 2026
• Refer a Friend Bonus100,000 pts / yr

  Earn 20,000 bonus points for each friend or business approved for a Southwest Rapid Rewards credit card through your referral. You can earn up to 100,000 bonus points per year from referrals.

  Checked Oct 9, 2026