What the Southwest Rapid Rewards® Premier Credit Card pays for.

Every perk, coverage and status this card carries, at the issuer's face value.

Looking at another card?Browse all cards

Southwest Rapid Rewards® Premier Credit Card

Face value of perks

$120

1 credit in 1 category

Annual fee

$149

Charged once a year

Top earn rate

3× points

Southwest

Discovery begins here

What every dollar returns, by where you spend it. Three categories earn extra on this card; everything else earns the base rate.

3×points per dollar

Southwest

3× on southwest, the issuer's published rate for the category.

2×points per dollar

Dining

2× on dining, the issuer's published rate for the category.

2×points per dollar

Gas Stations

2× on gas stations, the issuer's published rate for the category.

1×points per dollar

Everything else

The base rate on all other eligible purchases.

Multipliers are points per dollar, before any transfer or redemption value.

Everything that can be found

Every perk this card carries, grouped by what it pays for, at the issuer's published face value. What you actually keep depends on whether you use them.

Access

$120 · 1 perk

Instacart monthly credit

$10/mo

Requires activation of complimentary Instacart+ membership with the card; credit applies to one Instacart purchase of $10+ per month; only available while an active Instacart+ membership is maintained; offer window 5/1/2025–12/31/2027 (official terms)

MonthlyEnroll

1 credit, $120 at face value. Figures come from our card database, checked against the issuer's terms. Report a mismatch

See what it would really cost you

Face value is the issuer's best case. Pick the credits you'd use and Which Card works out your effective annual fee, against any other card.

Compare the Southwest Rapid Rewards® Premier Credit Card

Coverages

Protections that come with the card and cost nothing extra. They have real value and no published price, so they are never counted into the figures above.

Purchase protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Extended warranty

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Lost & delayed luggage

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Travel & emergency assistance

When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.

Elite status

Access and standing granted by holding the card. Some need a one-time sign-up with the issuer before they are live on your account.

Roadside assistance

This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.

Start earning immediately

We'll build your wallet dashboard instantly, with every reset deadline and a note on any credit that needs a sign-up first, so you can begin earning from day one.