Southwest Rapid Rewards Plus Business Benefits, Credits & Annual Fee

• 25% Back on Inflight Purchases25%

  Earn 25% back as a statement credit on inflight purchases - like Wi-Fi and drinks - on Southwest Airlines flights. Pay with your card and the credit posts automatically. There is no cap stated, but the rebate applies only to Southwest inflight purchases.

  Checked Jul 4, 2026
• DashPass MembershipEnrollment required

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

  Checked Oct 7, 2026
• DashPass Quarterly Grocery/Convenience/Retail Credit$10 / qtrTrackableEnrollment required

  Get up to $10 off per quarter on grocery, convenience, and retail orders placed through DoorDash. The credit applies automatically at checkout when you pay with your card. You must stay enrolled in DashPass to keep earning this credit each quarter.

  Resets: QuarterlyChecked Jul 4, 2026
• Instacart Statement Credit$10 / moTrackableEnrollment required

  Get one $10 Instacart account credit each month you have an active Instacart+ membership. As the primary cardholder, activate the complimentary Chase Instacart+ membership at instacart.com/p/chase-cobrands using your card. First activation must occur between May 1, 2025, and December 31, 2027.

  Resets: MonthlyChecked Oct 7, 2026

Travel Benefits

• Anniversary Bonus Points3,000 pts / yrTrackable

  Get 3,000 Rapid Rewards bonus points each account anniversary year. The points are added to your Rapid Rewards balance for use on eligible redemptions. This is an annual anniversary bonus, not a bonus on each purchase.

  Resets: Card anniversaryChecked Oct 7, 2026
• Southwest Inflight Entertainment

  Get access to Southwest Airlines inflight entertainment on your flights as a cardmember. Check Southwest for what's offered on your specific flight.

  Checked Oct 9, 2026
• Companion Pass Qualifying Card Spend

  Points earned with your Rapid Rewards credit card count toward Companion Pass qualification. Use your card for purchases that earn points to make progress toward a Companion Pass. This applies to points earned with the card, not every point in your Rapid Rewards account.

  Checked Oct 7, 2026
• First Checked Bag Free

  Get your first checked bag free on Southwest flights - and so do up to 8 additional passengers booked on the same reservation. The savings apply automatically when your Rapid Rewards number is associated with the booking. No action is needed at check-in beyond ensuring your account is linked.

  Checked Jul 4, 2026
• Rapid Rewards Points Redemption for Hotels and Car Rentals

  Redeem Rapid Rewards points for hotel stays and car rentals through the More Rewards platform. Search participating hotels and rental agencies, then use points toward an available booking. Choices and point prices vary by booking.

  Checked Oct 7, 2026
• Rapid Rewards Points Redemption for International Flights

  Use Rapid Rewards points to book international flights on more than 50 global carriers. Search available flights through the applicable Rapid Rewards redemption options and choose a points booking. Routes, seats, and point prices depend on availability.

  Checked Oct 7, 2026
• Boarding Benefit

  You and up to 8 passengers on the same reservation board no later than Group 5, giving you earlier access to overhead bin space. No action is needed - the benefit applies automatically when you check in. This does not guarantee a specific group, only a position no later than Group 5.

  Checked Jul 4, 2026
• 10% Flight Discount10% / yr

  Get a 10% promo code each year on your cardmember anniversary to use toward Southwest flight purchases. Apply the code at checkout on Southwest.com or the app. The discount does not apply to Basic fare tickets.

  Checked Jul 4, 2026
• Complimentary Standard Seat

  Select a complimentary Standard seat at no extra charge starting 48 hours before your flight departs. This applies to you and up to 8 additional passengers on the same reservation. Seat availability is not guaranteed and depends on what's open at the time you check in.

  Checked Jul 4, 2026
• Roadside Assistance

  Get access to roadside assistance services - such as towing, jump-starts, and flat-tire help - when you're stranded. Call the number on the back of your card to request help. Service fees for third-party providers may apply depending on your situation.

  Checked Jul 4, 2026

Rental Car

• Auto Rental Coverage

  Covers collision damage or theft on eligible rental vehicles when you pay for the full rental with your card and decline the rental company's collision damage waiver. Coverage is secondary to your personal auto insurance in most cases. Certain vehicle types and rental durations may not qualify.

  Checked Jul 4, 2026

Travel Insurance

• Travel and Emergency Assistance

  Connects you to legal, medical, and travel referral services when you're away from home on a covered trip. Call the assistance hotline on your card to be directed to local providers. Note that costs for actual services are your responsibility - the benefit covers the referral, not the bill.

  Checked Jul 4, 2026
• Baggage Delay Insurance

  Covers essential purchases - like clothing and toiletries - when your checked baggage is delayed on a covered trip. Pay for the trip with your card and keep receipts to file a claim. Coverage kicks in after a qualifying delay period; check your benefits guide for the minimum delay threshold.

  Checked Jul 4, 2026
• Travel Accident Insurance

  Travel accident insurance provides coverage of up to $500,000 for qualifying accidents during covered travel. Check your card benefits guide for how to qualify and file a claim. Coverage depends on the trip and the policy's terms, limits, and exclusions.

  Checked Oct 7, 2026
• Lost Luggage Reimbursement

  Covers lost or damaged checked and carry-on bags when you pay for your trip with your card. File a claim through your card's benefits administrator after the carrier confirms the loss. New York residents are limited to $2,000 per bag and $10,000 for all covered travelers per trip.

  Checked Sep 26, 2026

Bonus Earnings

• 1X Points on All Other Purchases1x points

  Earn 1X Rapid Rewards point per $1 spent on all purchases that don't fall into a higher-earning bonus category. This rate applies automatically with no enrollment needed. There is no cap on how many points you can earn at the base rate.

  Checked Oct 1, 2026
• 2X Points on Gas Stations and Restaurants2x points

  Earn 2X Rapid Rewards points per $1 at gas stations and restaurants, up to $5,000 in combined purchases per anniversary year. Once you hit the $5,000 limit, those categories drop to 1X for the rest of the year. The cap resets each anniversary year.

  Checked Oct 1, 2026
• 2X Points on Lyft Rides2x points

  Earn 2X total Rapid Rewards points per $1 on Lyft rides - 1X base plus a 1X bonus when you link your card to your Lyft account. Link your Southwest card in the Lyft app to activate the bonus. This offer runs through December 31, 2027.

  Checked Oct 1, 2026
• 2X Points on Southwest Airlines Purchases2x points

  Earn 2 Rapid Rewards points per $1 spent directly with Southwest Airlines. Use your card for Southwest flights, inflight purchases, Southwest gift cards, or Getaways by Southwest packages. Purchases must be made directly with Southwest to earn this rate.

  Checked Oct 7, 2026
• Companion Pass Qualifying Points Boost10,000 pts / yr

  Get a 10,000-point boost toward Companion Pass qualification every year just for being a cardmember. These points count toward the annual threshold needed to earn a Companion Pass. The boost is applied automatically each anniversary year.

  Checked Jul 4, 2026

Purchase Protection

• Extended Warranty Protection

  Extends the original U.S. manufacturer's warranty on eligible purchases made with your card. Coverage kicks in once the manufacturer's warranty expires. Items must have an eligible warranty to qualify - check your benefits guide for excluded categories.

  Checked Jul 4, 2026
• Purchase Protection

  Covers eligible new purchases against damage or theft for a set period after you buy them with your card. File a claim through your card's benefits administrator. New York residents have a coverage period of 90 days from the date of purchase.

  Checked Oct 7, 2026

Concierge & Membership

• Complimentary Instacart+ MembershipEnrollment required

  Get a complimentary three-month Instacart+ membership for your eligible card account. Activate it for the first time with your card at instacart.com/p/chase-cobrands between May 1, 2025, and December 31, 2027. The offer is limited to one complimentary membership per eligible card account.

  Checked Oct 7, 2026

Entertainment

• Rapid Rewards Access Events

  Use your Rapid Rewards points to attend curated events available exclusively to Southwest Rapid Rewards cardmembers. Browse available events through your Rapid Rewards account and redeem points to secure your spot. Event types, locations, and availability vary throughout the year.

  Checked Jul 4, 2026

Fees & Miscellaneous

• Rapid Rewards Points Redemption for Merchandise

  Use Rapid Rewards points for merchandise such as electronics, luggage, golf supplies, and travel accessories. Browse the available merchandise rewards and redeem points for an item. Products and point prices vary.

  Checked Oct 7, 2026
• Refer a Friend Bonus Points20,000 pts / yr

  Earn 20,000 bonus points for each friend who applies through your unique referral link and gets approved for any Southwest Rapid Rewards Credit Card. You can earn up to 100,000 bonus points per calendar year this way. Share your personal referral link to get credit for each approved application.

  Checked Oct 7, 2026
• No Foreign Transaction Fees

  Pay no foreign transaction fees when you use your card for purchases made outside the United States. The benefit applies automatically - no enrollment or action needed. This covers both in-person and online purchases billed in a foreign currency.

  Checked Jul 4, 2026
• Pay Yourself Back

  Redeem your Rapid Rewards points as a statement credit against recent eligible purchases or your annual fee. Select any qualifying transaction that posted to your account within the last 90 days and apply points to cover it. Points are redeemed at a fixed rate through the Pay Yourself Back tool in your account.

  Checked Jul 4, 2026
• Rapid Rewards Points Redemption for Gift Cards

  Redeem Rapid Rewards points for gift cards from participating retailers. Browse available gift cards and exchange your points for the one you choose. Some gift cards start at 3,000 points; options and point prices vary.

  Checked Oct 7, 2026