Southwest plus cash credit card reviews

When considering a new credit card, it's vital to weigh the benefits and drawbacks to determine if it's the right fit for your wallet. The Southwest Rapid Rewards Plus Cash Credit Card comes into focus for those who enjoy traveling and are fans of Southwest Airlines. This card offers a range of perks that could make your travel experience more rewarding.

What are the key benefits of the Southwest Rapid Rewards Plus Credit Card?

The Southwest Plus Cash Credit Card offers several attractive benefits that cater to the occasional traveler. Users can earn 2 points per dollar on Southwest Airlines purchases, which can quickly add up to significant rewards. Additionally, the card provides a sign-up bonus of 50,000 points after spending $1,000 in the first three months, which can be a substantial boost to your points balance.

Another advantage of this card is the path it offers towards the coveted Southwest Companion Pass. This pass allows a companion to fly with you for free (excluding taxes and fees) for the remainder of the year in which you earn the pass and the entire following year, which can be an exceptional value for frequent Southwest flyers.

Cardholders also enjoy benefits such as baggage delay insurance, lost luggage reimbursement, and extended warranty protection, adding extra security and peace of mind to your purchases and travel experiences.

Who should consider the Southwest Rapid Rewards Plus Credit Card?

This card is tailored for those who fly with Southwest Airlines occasionally but aren't frequent travelers who might prefer a card with more extensive travel perks. It's an excellent choice for budget-conscious consumers who want to earn rewards on their airline spend without a hefty annual fee.

If you're someone who is aiming for the Southwest Companion Pass, this credit card can be a smart addition to your wallet, as it can help you accumulate the necessary points to qualify for this benefit.

It's also a good fit for those who prefer a simple rewards structure without the complexity of rotating bonus categories or tiered rewards systems.

What is the annual fee for the Southwest Rapid Rewards Plus Credit Card?

The Southwest Plus Cash Credit Card has an annual fee of $69. This fee is relatively low compared to other travel rewards cards, making it an accessible option for those who don't want to commit to a higher annual fee.

How does the Southwest Rapid Rewards Plus Card compare to other cards?

Compared to other travel credit cards, the Southwest Plus Card offers fewer perks and benefits. Its higher-tier counterparts, such as the Southwest Rapid Rewards Premier Card and the Priority Card, provide additional benefits at a higher annual fee. This card does not offer any annual travel credits or upgraded boarding positions, which are available with some other Southwest cards.

When stacked up against other airline credit cards, the Southwest Plus Card also falls short in terms of luxury travel benefits. However, its modest annual fee and the potential for earning a Companion Pass may still make it an attractive option for certain travelers.

What are the drawbacks of the Southwest Rapid Rewards Plus Credit Card?

One notable drawback of the Southwest Plus Card is the 3% foreign transaction fee, which can add up quickly when making purchases abroad. Additionally, the card offers lower point earnings on non-Southwest purchases, making it less rewarding for everyday spending.

The lack of any significant airport lounge benefits or TSA PreCheck/Global Entry credits can also be a downside for those who value these travel conveniences.

How to earn and redeem points with the Southwest Rapid Rewards Plus Card?

Earning points with the Southwest Plus Card is straightforward: cardholders earn 2 points per dollar on Southwest purchases and 1 point per dollar on all other purchases. Redeeming points is equally simple, as you can use them for flights, hotel stays, car rentals, and gift cards through Southwest's Rapid Rewards program.

Point redemption is flexible with no blackout dates, and your points don't expire as long as your card account remains active.

What do users think about the Southwest Rapid Rewards Plus Credit Card?

Overall, user reviews of the Southwest Plus Card are positive, with many cardholders appreciating the sign-up bonus and the ability to earn points towards the Companion Pass. The low annual fee is also frequently mentioned as a plus.

However, some users express disappointment with the lack of more significant travel benefits and the foreign transaction fee. It's important to review personal spending habits and travel preferences to determine if this card aligns with your needs.

Questions related to the Southwest Rapid Rewards Plus Credit Card

What credit score do I need for a Southwest Airlines credit card?

To qualify for a Southwest Airlines credit card, it's generally recommended to have a good to excellent credit score, typically in the range of 670 and above. However, credit score requirements can vary, and issuers also consider other factors such as income and debt-to-income ratio.

Having a higher credit score increases your chances of approval and potentially secures you better card terms.

What is the credit limit for Southwest Plus?

The credit limit for the Southwest Plus card varies based on individual creditworthiness and financial factors. New cardholders may find that their starting limits are in line with other entry-level credit cards, but with responsible use and timely payments, there may be opportunities for credit limit increases over time.

Is it hard to get approved for the Southwest credit card?

Approval for the Southwest credit card depends on several factors, including your credit history, score, and income. While it's not considered the most difficult card to get approved for, having good credit can improve your approval odds.

Does the Southwest Plus credit card have an annual fee?

Yes, the Southwest Plus credit card carries an annual fee of $69. This fee is charged to your account each year and is something to consider when evaluating the card's benefits relative to your spending and travel habits.

In the midst of exploring the pros and cons of the Southwest Rapid Rewards Plus Cash Credit Card, let's take a look at an insightful video that dives deeper into maximizing travel rewards.

In summary, the Southwest Rapid Rewards Plus Credit Card is a solid option for those who fly occasionally with Southwest and are looking for a low annual fee card that still offers some travel rewards. While it may not have all the bells and whistles of more premium cards, it can still provide value to the right type of traveler.

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