Cards
TravelChase
Southwest Rapid Rewards Priority
Key facts
Annual fee$149/yr
Rewards currencySouthwest Points
Recommended creditGood – Excellent (720+)
Current sign-up bonus
60,000 bonus points after spending $2,000 on purchases in the first 3 months≈ $900 value
Reward rates
3x on Southwest
2x Hotel and Car Rental Partners
2x Local Transit and commuting (including rideshare)
2x Select Streaming
2x on Internet, Cable, and Phone Services
1x on everything else
Travel benefits
Emergency Evacuation
None — the Southwest Rapid Rewards Priority card does not include emergency evacuation coverage.
Travel Accident Insurance
Up to $500,000 accidental death or dismemberment on common carrier (air, bus, train, cruise) when transportation is paid with the card.
Baggage Delay
Up to $100 per day for up to 3 days for essential item purchases when baggage is delayed 6 or more hours. Trip must be paid with the card.
Trip Delay (Unconfirmed)
None confirmed — trip delay insurance is not listed among confirmed benefits for this card. [UNCONFIRMED — Guide to Benefits required]
Trip Cancellation / Interruption
None — the Southwest Rapid Rewards Priority card does not offer trip cancellation or interruption insurance.
Lounge Access
None — no lounge access benefit on the Southwest Rapid Rewards Priority card.
Purchase protections
Cell Phone Protection
None — the Southwest Priority card does not include cell phone protection.
Return Protection
None — the Southwest Priority card does not offer return protection.
Extended Warranty
Extends the original U.S. manufacturer's warranty by 1 additional year on eligible warranties of 3 years or less (up to 4 years total from purchase date).
Purchase Protection
Covers eligible new purchases for 120 days from date of purchase against damage or theft. Up to $500 per claim, up to $50,000 per account.
Other benefits
Annual Credits
DoorDash DashPass Membership: up to $120, resets Per-use.
Authorized User Fee (Unconfirmed)
$0 — authorized users can be added at no additional cost. [UNCONFIRMED — Guide to Benefits required to confirm exact fee]
Foreign Transaction Fee
None — no foreign transaction fees.
Secondary Rental Car
Secondary collision damage and theft coverage up to $60,000 for most rental vehicles. Must decline rental company's collision insurance and charge entire rental cost to the card.
Primary Rental Car
None — rental car coverage on the Southwest Priority card is secondary (not primary).
Lost / Stolen Baggage
Up to $3,000 per covered traveler for repair or replacement of checked or carry-on baggage that is lost, damaged, or stolen during a covered trip. New York residents: additionally limited to $2,000 per bag and $10,000 per trip for all covered travelers.
Transfer Partners
Not applicable — earns Southwest Rapid Rewards points directly. Rapid Rewards points do not transfer to other airline or hotel programs. Points can be redeemed for Southwest flights with no blackout dates and unlimited reward seats.
Welcome Bonus
90,000 bonus Rapid Rewards points after spending $3,000 on purchases in the first 3 months from account opening.
Earn Rates
4x Rapid Rewards points per $1 on Southwest Airlines purchases (flights, inflight purchases, Southwest gift cards); 2x points per $1 at gas stations and restaurants; 5x points on Lyft rides (through 12/31/2027); 1x point per $1 on all other purchases. Note: Previous bonus categories (internet, cable, phone, hotel/car rental partners) expired December 31, 2025.
Best for
FlightsHotelsTransitStreaming
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Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
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