Fine Print Bureau

Chase Southwest Rapid Rewards Plus

Verified 2026-08-30 against Chase Bank's own terms page.

What it costs

Annual fee: $99
APR range: 19.24%–29.99%
Foreign transaction fee: None

What you get, and what you have to do to get it

Anniversary Bonus Points (annual)
Annual Flight Discount (annual)
Companion Pass Qualifying Points Boost (annual)
Complimentary Standard Seat Selection (per trip)
First Checked Bag Free (per trip)
Group 5 Boarding Benefit (per trip)
Inflight Purchase Rebate (per trip)
Inflight Purchases Discount (per trip)
No Foreign Transaction Fees (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 2026-08-30 directly against the issuer's published terms: https://creditcards.chase.com/travel-credit-cards/southwest/plus

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.