Fine Print Bureau
Chase Southwest Rapid Rewards Plus
Verified 2026-11-02 against Chase Bank's own terms page.
What it costs
- Annual fee: $99
- APR range: 19.49%–27.99%
- Foreign transaction fee: None
What you get, and what you have to do to get it
- 25% Back on Inflight Purchases (other)
- 2X Points on Lyft Purchases (other)
- Anniversary Bonus Points (annual)
- Anniversary Points (annual)
- Annual 10% Flight Discount Code (annual)
- Annual Anniversary Bonus Points (annual)
- Baggage Delay Insurance (per trip)
- Companion Pass Qualifying Points Boost (calendar year)
- Complimentary DashPass Membership (annual)
- Complimentary Instacart+ Membership (one time)
- Complimentary Standard Seat Select (per trip)
- Complimentary Standard Seat Selection (per trip)
- DoorDash Quarterly Credit on Non-Restaurant Orders (quarterly)
- Extended Warranty Protection (other)
- First Checked Bag Free (per trip)
- Group 5 Boarding Benefit (per trip)
- Lost Luggage Reimbursement (per trip)
- Monthly Instacart Credit (monthly)
- No Foreign Transaction Fees (other)
- Purchase Protection (other)
Only benefits whose terms have cleared review are listed — a benefit the issuer advertises but that has not been verified here is omitted rather than repeated. Per-benefit values are not shown because the underlying field mixes dollars, miles, points and insurance limits without recording which. The dollar question is answered below.
What the fee costs you regardless of use
The $99 annual fee is charged whether or not you use any of the benefits above. Against it, our Fee Reality model estimates $20 of credit value actually realized by a typical cardholder, out of $160 of advertised face value.
Modeled, confidence grade C — not a measurement of your own redemptions. See the Fee Reality Check for the credit-by-credit breakdown.
Date verified and source
Verified 2026-11-02 directly against the issuer's published terms: View Chase Bank's official terms page
Every figure above traces to a source-evidence row reviewed against the issuer's own terms page — not an aggregator. See the Fine Print Bureau methodology.