Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 2x on grocery (catalog median is 1.5x)
- The $99 annual fee needs strong category spending to clear
- Non-bonus spending earns only 1x
Is the $99 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$338/yr
$437 rewards - $99 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$317/yr
$416 rewards - $99 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$327/yr
$426 rewards - $99 fee
Rewards by Category
Dining
1x
Grocery
2x
Gas
2x
Flights
1x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
1x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.3 cents per point
The Fine Print That Changes the Math
2x on Southwest and Rapid Rewards partners, 2x at gas and grocery (up to $5k/year combined), 1x elsewhere. 3,000 anniversary points.
Southwest Rapid Rewards Plus Credit Card FAQ
What is the Southwest Rapid Rewards Plus Credit Card annual fee?
The Southwest Rapid Rewards Plus Credit Card has a $99 annual fee.
What is the Southwest Rapid Rewards Plus Credit Card signup bonus?
50,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Southwest Rapid Rewards Plus Credit Card?
2x on grocery, 2x on gas. Everything else earns 1x.
Is the Southwest Rapid Rewards Plus Credit Card worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $338/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
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Is Southwest Rapid Rewards Plus Credit Card Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
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