Southwest Rapid Rewards Plus Credit Card vs Southwest Rapid Rewards Priority Credit Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Southwest Rapid Rewards Plus Credit Card
Estimated value every year on typical spending
$337/ year
Every year, after the annual fee. Year one adds a $550 welcome bonus: $887
Southwest Rapid Rewards Priority Credit Card
Estimated value every year on typical spending
$276/ year
Every year, after the annual fee. Year one adds a $660 welcome bonus: $936
The short answer
- On typical spending, the Chase Southwest Rapid Rewards Plus Credit Card comes out ahead: about $337 a year after its fee, against $276 for the Chase Southwest Rapid Rewards Priority Credit Card.
- In the first year the welcome bonus flips it: the Chase Southwest Rapid Rewards Priority Credit Card is worth about $936 in year one.
- The Chase Southwest Rapid Rewards Plus Credit Card earns more on groceries.
- The Chase Southwest Rapid Rewards Priority Credit Card earns more on dining.
- The Chase Southwest Rapid Rewards Plus Credit Card costs $130 less a year to hold.
Side by side
| Southwest Rapid Rewards Plus Credit Card | Southwest Rapid Rewards Priority Credit Card | |
|---|---|---|
| Annual fee | $99 | $229 |
| Rewards | 2X points on Southwest Airlines purchases and on the first $5,000 in combined purchases at gas stations and grocery stores per year; 1X points on all other purchases | 4X points on Southwest Airlines purchases; 2X points at gas stations and restaurants; 1 point on all other purchases |
| Welcome bonus | Earn 50,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening. | Earn 60,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening. |
| Credits counted | $0/yr | $83/yr |
| Intro APR | Not listed | Not listed |
| Regular APR | 19.49% to 27.99% variable | 19.49% to 27.99% variable |
| Foreign transaction fee | None | None |
| Credit needed | Not specified | Not specified |
Yearly rewards by category
| Category (monthly spend) | Southwest Rapid Rewards Plus Credit Card | Southwest Rapid Rewards Priority Credit Card |
|---|---|---|
| groceries ($500) | $132 | $66 |
| dining ($400) | $53 | $106 |
| gas ($200) | $53 | $53 |
| travel ($300) | $40 | $40 |
| everything else ($1,200) | $158 | $158 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Chase Southwest Rapid Rewards Plus Credit Card or the Chase Southwest Rapid Rewards Priority Credit Card?
On typical spending the Chase Southwest Rapid Rewards Plus Credit Card is worth more: about $337 a year after its fee, against $276 for the Chase Southwest Rapid Rewards Priority Credit Card. Which is better for you depends on where you spend most; see the category answers below.
Which has the lower annual fee?
The Chase Southwest Rapid Rewards Plus Credit Card ($99 a year, against $229).
Which is better for groceries?
The Chase Southwest Rapid Rewards Plus Credit Card. On $500 a month of groceries it earns about $132 a year, against $66 with the Chase Southwest Rapid Rewards Priority Credit Card.
Which is better for dining?
The Chase Southwest Rapid Rewards Priority Credit Card. On $400 a month of dining it earns about $106 a year, against $53 with the Chase Southwest Rapid Rewards Plus Credit Card.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.