Chase
Southwest Rapid Rewards Priority Card
Annual Fee
$229
Bonus Value
$938
Min Spend
$3K/3mo
Current Welcome Offer
75,000
Rapid Rewards Points — worth ~$938
Spend $3,000 in 3 months
Typical Offer30-day offer history
22 data points
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What you get
All 3 perks ↓Perks/yr up to
$329
Annual Fee
$229
Covers fee
1.4×
Historical Intelligence
Offer history & timing
Current
75,000
Average
50,000
Tracked High
85,000
Recent changes
2025-04
NerdWallet (Wayback)
2025-02
NerdWallet (Wayback)
2025-01
NerdWallet (Wayback)
2024-12
NerdWallet (Wayback)
2024-08
NerdWallet (Wayback)
Highest observed since tracking started: 85,000 (2024-06)
Timing Intelligence
Offer recently increased
The welcome bonus was recently increased. This could mean an elevated offer period — or it may be at a short-term peak. Typical offer periods last 30–90 days.
Based on 22 tracked changes.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Average
Worth keeping for ongoing value (~$133/yr after bonus) · est. +$133 net first-year value
Timing
Offer recently increased
The welcome bonus was recently increased. This could mean an elevated offer period — or it may be at a short-term peak. Typical offer periods last 30–90 days.
Ecosystem
Southwest Rapid Rewards
Rapid Rewards for Southwest flights. Companion Pass is one of the best values in travel rewards.
Value
First-year value estimate
Conservative
+$133
65% benefit utilization, minimal travel redemptions
Realistic
+$133
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$133
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$133/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
Benefits
Card perks & credits
Up to $329/yr in benefits
✈️travel credit
$75 Southwest Travel Credit
$75/yr
$75 annual Southwest travel credit applied as a statement credit.
Southwest Airlines purchases
🛫airline credit
4 Upgraded Boardings Per Year
$160/yr
4 upgraded A1-A15 boardings per year, purchased at the gate or kiosk, as statement credits (~$40 each).
Available at check-in; subject to availability
🎁other
7,500 Anniversary Bonus Points
$94/yr
7,500 bonus Rapid Rewards points each account anniversary (~$94 at 1.25 cpp).
Approval & Best For
Fit assessment
Best For / Not Best For
Best For
- Frequent flyers with a preferred airline wanting companion benefits
Not Best For
- People seeking a no-annual-fee option with similar rewards
- Those who prefer straightforward cash back over points/miles redemptions
Current Offer Status
Offer status
75,000 Rapid Rewards Points
Last verified
May 12, 2026
Annual fee
$229/year
Compare & Alternatives
Compare with
Popular side-by-side comparisons.
Alternatives
Compare with similar cards
Alternatives
Consider these cards instead
Chase
United Explorer
Lower-fee option if you don't need all the premium perks.
$150/yr
80,000 pts
View review
Chase
United Quest
Step-up option with more premium benefits for heavy travelers.
$250/yr
90,000 pts
View review
Amex
Delta Gold
Delta frequent flyers who check bags on domestic routes
$150/yr
70,000 pts
View review
FAQ
Frequently asked questions
What's the current SW Priority welcome bonus?
75,000 Rapid Rewards Points after spending $3,000 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
Is the SW Priority worth the $229 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$938 estimated cash value) plus tracked statement credits typically cover the $229 fee several times over. After year one, the math depends on whether you actually use the recurring credits and category multipliers. Run your real spending through our Annual Fee Calculator before deciding to renew.
Does Chase's 5/24 rule apply to SW Priority?
Yes. SW Priority is issued by Chase, so the 5/24 rule applies: if you've opened 5 or more personal credit cards from any issuer in the last 24 months, Chase will likely auto-deny your application regardless of credit score. Check your 5/24 status before applying. Business cards from Amex, Cap One and the Chase Ink line don't usually count toward your 5/24.
What credit score do I need for SW Priority?
Realistic target: 690+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 690+ is the floor for reliable approval on cards in SW Priority's tier. Income, debt-to-income ratio, and existing relationship with Chase also matter — use our Approval Predictor for a more personalized estimate.
Editorial guides
More on SW Priority and Chase
Southwest Rapid Rewards: The Complete 2026 Program Guide
Why Southwest Rapid Rewards is the only US airline program with fixed-value point redemptions + the Companion Pass — Chase UR 1:1 transfer access, 2-card welcome-bonus stack for fast Companion Pass qualification.
Read
Best Credit Cards for Family Vacations in 2026
The 5 cards that maximize family-vacation value in 2026 — Southwest Companion Pass, Hyatt family suites, Chase UR foundation, Hilton Aspire premium picks.
Read
How My Family Went to Hawaii for $1,500
A full week in Hawaii for a family of four. Two islands. $15K retail. We paid $1,500. The unvarnished case study — every card, every booking, every number.
Read
Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
Southwest Rapid Rewards Priority Card
Current offer: 75,000 Rapid — worth ~$938
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Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
SW Priority
75,000 Rapid offer