Question 1

Is the Southwest Rapid Rewards Plus Credit Card worth the annual fee?

Accepted Answer

The Southwest Rapid Rewards Plus Credit Card is worth its $99 annual fee if you use most of its 13+ benefits. Calculate your ROI by adding the value of credits you redeem, lounge visits, and points earned, then compare to the annual fee. If total value exceeds the fee, keep the card. Tools like kardfolio can automate this calculation.

Question 2

When do Southwest Rapid Rewards Plus Credit Card benefits expire?

Accepted Answer

Southwest Rapid Rewards Plus Credit Card benefits expire on different schedules: monthly credits reset on the 1st, quarterly credits every 3 months, and annual credits on your cardmember anniversary or calendar year end. Check each benefit's terms for specific dates. Benefit tracking apps can send alerts before expiration.

Question 3

How do I track Southwest Rapid Rewards Plus Credit Card benefits?

Accepted Answer

Track Southwest Rapid Rewards Plus Credit Card benefits by: 1) listing all 13+ benefits and their values, 2) recording when you use each benefit, 3) setting calendar reminders before credits expire, 4) calculating total value vs annual fee. Apps like kardfolio automate this with expiration alerts and ROI tracking.

Question 4

What are the Southwest Rapid Rewards Plus Credit Card earning rates?

Accepted Answer

The Southwest Rapid Rewards Plus Credit Card earns: 2x on At gas stations (up to $5K combined/year with grocery stores, then 1x), 2x on At grocery stores (up to $5K combined/year with gas stations, then 1x), 2x on On Southwest Airlines purchases, including flights, inflight, and Southwest gift cards. Base rate is typically 1x on all other purchases. Points can be redeemed through the issuer's portal or transferred to airline/hotel partners for potentially higher value.

Question 5

Does the Southwest Rapid Rewards Plus Credit Card have foreign transaction fees?

Accepted Answer

No, the Southwest Rapid Rewards Plus Credit Card has no foreign transaction fees. This makes it suitable for international travel and purchases in foreign currencies without the typical 3% fee charged by many cards.

Southwest Rapid Rewards Plus Credit Card

Southwest Rapid Rewards Plus Credit Card

Earning Rates

Card Benefits

Dining

Travel

Groceries

Flights

Credits

Card Details