Chase Southwest Rapid Rewards Plus: 50K Bonus Points, $99/Year Review 2026
Chase Southwest Rapid Rewards Plus: 50K Bonus Points, $99/Year is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
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Your card estimate
Net first-year value
First year
+$201
Rewards + bonus - fee - interest drag
Ongoing year
+$201
Excludes one-time welcome offer
SwitchWize take
Rewards credit card
Bonus value
See terms
Everyday rewards
1x points
Up to 2x in some categories
Annual fee
$99
APR
19.49% to 27.99%
Quick summary
What this card is, in plain words
Chase Southwest Rapid Rewards Plus: 50K Bonus Points, $99/Year has a $99 annual fee and a variable purchase APR of 19.49% to 27.99%. It earns 1x points on everything else, and more on 4 categories (the highest is 2x points on gas). It charges no foreign transaction fee.
What to consider
- The $99 annual fee is charged every year, so the rewards have to be worth more than that.
- The APR is 19.49% to 27.99% and it can change. Interest on a carried balance is usually larger than the rewards.
Pros & cons
No standout advantages in the data we track.
- Annual fee: $99
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $99
- Foreign transaction fee
- None
- Balance transfer fee
- Greater of $5 or 5% of each transfer
- Cash advance fee
- Greater of $10 or 5% of each advance
- Late payment fee
- Up to $40
- Authorized user fee
- Not verified yet
Earning rates
What you earn, by purchase type
Gas
2x points
Groceries
2x points
Southwest purchases
2x points
Southwest airlines purchases
2x points
Everything else
1x points
Fee Reality
What the credits on this card are actually worth
This card advertises $160 in annual credits. We scored how hard each credit is to use: signing up, how often it resets, which stores it works at, and how you redeem it. We estimate a typical cardholder realizes about $20 (13%) of that value against a $69 annual fee.
Net estimated cost after credits: $49/yr
Our verdict: close call — worth a manual review against your own usage.
Confidence grade C — an estimate from our scoring model, not a survey. See how we worked this out.
Benefits and protections
Each item below was checked against the issuer's own published terms. Coverage limits and exclusions apply, so confirm them with the issuer.
Protections
- Baggage Delay Insurance
- Extended Warranty Protection
- Lost Luggage Reimbursement (per trip)
- Purchase Protection
Perks and credits
- 25% Back on Inflight Purchases (per trip)
- 2X Points on Lyft Purchases
- Anniversary Bonus Points (annual)
- Annual 10% Flight Discount Code (annual)
- Annual Anniversary Bonus Points (annual)
- 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)
- First Checked Bag Free (per trip)
- Group 5 Boarding Benefit (per trip)
- Monthly Instacart Credit (monthly)
- No Foreign Transaction Fees
- Three Months Complimentary Instacart+ Membership (one time)
- Up to $10 Off Monthly on DoorDash Non-Restaurant Orders (monthly)
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$99 annual fee
19.49%-27.99% variable
Verify spend requirement
Chase terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The $99 annual fee needs to be offset by rewards, credits, or travel value.
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Before you apply
Application rules and credit check
- Who can get the welcome bonus
This product is available to you if you do not have a current Southwest Rapid Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months.
SourceThe credit card is not available to either (i) current Cardmembers of any Southwest Rapid Rewards ® Credit Card, or (ii) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months.
Source- How many cards you can open
- Not published by the issuer on its card page.
- Credit check when you apply
- Not published by the issuer on its card page.
These are the issuer’s own words. Informal rules reported by cardholders, such as "5/24", are not shown because the issuer has not published them. Checked Nov 13, 2026.
Questions
Common questions
What is the annual fee for the Chase Southwest Rapid Rewards Plus: 50K Bonus Points, $99/Year?
The Chase Southwest Rapid Rewards Plus: 50K Bonus Points, $99/Year has a $99 annual fee, according to Chase's page checked Nov 13, 2026.
Does the Chase Southwest Rapid Rewards Plus: 50K Bonus Points, $99/Year charge foreign transaction fees?
No. Chase lists no foreign transaction fee for the Chase Southwest Rapid Rewards Plus: 50K Bonus Points, $99/Year.
How do I earn rewards with the Chase Southwest Rapid Rewards Plus: 50K Bonus Points, $99/Year?
2x points on gas; 2x points on groceries; 2x points on southwest purchases; 2x points on southwest airlines purchases; 1x points on everything else.
What is the APR on the Chase Southwest Rapid Rewards Plus: 50K Bonus Points, $99/Year?
The purchase APR is 19.49% to 27.99%, and it is variable. Your rate depends on your credit.
Sources
Where these figures come from
Fees and APR, Earning rates, Benefits and protections
https://creditcards.chase.com/travel-credit-cards/southwest/plus · checked Nov 13, 2026
Earning rates
https://creditcards.chase.com/ · checked Jun 21, 2026
We could not verify the authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is Chase Southwest Rapid Rewards Plus: 50K Bonus Points, $99/Year worth it?
Chase Southwest Rapid Rewards Plus: 50K Bonus Points, $99/Year is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term