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Chase Southwest Rapid Rewards Priority card

Chase Southwest Rapid Rewards Priority

PerkSensei Desk · Last updated

Is this deal useful?

At a glance

Bonus
60,000 pointsSouthwest Rapid RewardsEst. $720+ value
To earn it
Spend $2,000 in 3 months
Annual fee
$229 annual fee
Credits
Up to $160 in year one
3 credits with a dollar value
Apply by
No public end date stated

Terms and eligibility can change. Confirm the details with the issuer before you apply.

Credits and perks

Most used first. Tick what you don't need and the math leaves it out. Full terms are on the issuer's site.

  1. Anniversary points

    ~$90 a year, from year 2

    Easy to use

  2. DashPass membership (12 months)

    No set dollar value (one-time)

    Easy to use

  3. DoorDash non-restaurant discount

    $10 a quarter, up to $40 a year

    Takes some planning

  4. 25% back on inflight purchases

    No set dollar value

    Takes some planning

  5. Instacart credit

    $10 a month, up to $120 a year

    Takes some planning
Year one
+$651Est. $720+ bonus + $160 credits − $229 fee
Each year after
+$21$250 credits − $229 fee

With the credits you'd use, you come out ahead in year one and every year after.

2 perks have no set dollar value, so they aren't counted.

What the bonus is worth

Est. $720+ value

60,000 points × 1.2¢

Southwest Rapid Rewards points have no fixed cash rate, so the floor is the low end of what points sites say they're worth: $720 at 1.2¢ per point. Good redemptions reach 1.4¢ per point.

What points sites say: 1.2¢ to 1.4¢ per point
The Points Guy: 1.25¢ per pointthepointsguy.comThird-party sourceOct 1, 2026
NerdWallet: 1.4¢ per pointnerdwallet.comThird-party sourceOct 13, 2026
One Mile at a Time: 1.2¢ per pointonemileatatime.comThird-party sourceSep 2, 2026
Upgraded Points: 1.3¢ per pointupgradedpoints.comThird-party sourceOct 3, 2026

Third-party valuations: what points sites estimate points are worth on average, not a cash value or an issuer promise. Your value depends on how you redeem.

Estimate as of Oct 17, 2026.

Biggest catches

  • Chase 5/24. Chase generally denies people who opened 5 or more cards from any issuer in the last 24 months, and authorized-user cards count. Southwest cards are a poor use of a slot if you still want Sapphire or Ink cards. doctorofcredit.com (third-party)
  • One Southwest personal card at a time, 24 months between bonuses. You can't get the Plus, Premier or Priority while holding any Southwest personal card, or if you earned a bonus on one in the last 24 months. Picking one blocks the other two. creditcards.chase.com
  • Cash-like charges don't count toward the bonus. Balance transfers, cash advances, travelers checks, money orders, foreign currency and fees are not purchases. Only real purchases count toward the spend. creditcards.chase.com
  • Points not yet sent to Southwest are lost if you close early. Card points move to Rapid Rewards only after each billing cycle. If the account closes or changes status first, points not yet transferred are gone, so wait for the last statement's points to post before cancelling. creditcards.chase.com
  • The card's Companion Pass boost ends with 2026. Chase still lists a yearly 10,000 Companion Pass qualifying point boost, but Southwest retires those points after Dec. 31, 2026, when the pass moves to status earned with Tier Qualifying Points. Don't count on the boost for a 2027 pass. southwest.com
  • Bonus posts 6 to 8 weeks after the spend. The bonus can take weeks to reach Rapid Rewards after you hit the spend. That matters a lot this year if you are racing the Companion Pass cutoff. creditcards.chase.com

Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.

YMMV: approval and bonus eligibility are the issuer's decision.

Sensei's move

  1. Last call: Companion Pass from a card bonus (approve by Dec. 2, 2026)

    Southwest says cardmembers approved for a Rapid Rewards card on or before Dec. 2, 2026 who meet the welcome-bonus requirements can have those bonus points count as Companion Pass qualifying points, even if the spend is met in early 2027. A pass earned under the current rules gives unlimited companion trips through Dec. 31, 2027. From Jan. 1, 2027, welcome bonuses, anniversary points and category bonus points stop counting, and the unlimited pass needs Platinum status (140,000 TQPs or 100 qualifying flights). After Dec. 2 this card's 60,000-point bonus no longer helps toward a pass.

    Still works as of Oct 17, 2026 · southwest.com

  2. Pair a personal Southwest card with the Performance Business

    The classic two-card play is one personal Southwest card plus the business card to clear the 135,000 qualifying points in one go; Chase's personal-card family rule explicitly does not apply to the business card. Priority (60,000) plus Performance Business (80,000) is 140,000 on bonuses alone, the most margin of the personal cards. It only works for approvals by Dec. 2, 2026, and only if Southwest counts the points toward a 2026 pass (see gaps).

    Still works as of Oct 17, 2026 · 10xtravel.com (third-party)

  3. From 2027 every Southwest card earns 1 TQP per $1

    Southwest says that starting in 2027 you earn 1 Tier Qualifying Point for each $1 spent on purchases with a Rapid Rewards card, and TQPs are what earn status and, at Platinum, the Companion Pass. Card spend becomes the main way the card helps toward a pass after the bonus route closes. Whether the Premier, Priority and Performance Business keep their current per-$5,000 TQP bonuses on top isn't stated on the pages we read.

    Still works as of Oct 17, 2026 · southwest.com

Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.

Sensei's take

  • Fair churn
  • Keep one year
  • Travel wallet: maybe

60,000 points for $2,000 gives the most cushion for a Companion Pass paired with the Performance Business, but only for approvals by Dec. 2, 2026. After that it is a $229 card whose yearly value is 7,500 points, extra-legroom upgrades, free bags and food-delivery offers, with no travel credit on today's page. Keep it only if you fly Southwest often enough to use the seats and bags; otherwise cancel after the last points transfer.

Our opinion, from the facts on this page as of Oct 17, 2026.

Weighing this card? Put it before the Money Court jury

How today's offer compares

Today
60,000 points
Highest we've seen
100,000 points
Sep 2025 · $4,000 spend in 5 months
Points bonus over time
  1. Sep 2025: 100,000 points, reported by Doctor of Credit, highest before today
  2. Oct 2025: 85,000 points, reported by Doctor of Credit
  3. May 2026: 90,000 points, reported by Doctor of Credit
  4. Today: 60,000 points

Today's offer is 40,000 points below the highest public offer we've seen (Sep 2025).

Doctor of Credit: 100,000 pointsdoctorofcredit.comThird-party sourceReported Sep 15, 2025

Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.

From the sources we checked going back to Dec 2021, so an older or unreported offer may have been higher. Targeted, in-branch and two-tier offers aren't compared.

Sources

Southwest Rapid Rewards Priority Credit Card official product pagecreditcards.chase.comOfficial sourceChecked Oct 17, 2026

Terms can change. Spotted something out of date? Tell us and we'll recheck it against the provider's page.

Report outdated terms

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