Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

3,811 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Chase's Secure Site

At A Glance

Intro Bonus
Up to 60,000 points
?

Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus earn 20,000 points after you spend $12,000 within your first year.

Annual Fee
$99
Regular APR
17.99% - 24.99% variable

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Highlights

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus earn 20,000 points after you spend $12,000 within your first year.
  • 6,000 bonus points after your Cardmember anniversary
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 1 point per $1 spent on all other purchases
  • Earn unlimited points that don't expire as long as your card account is open
  • No foreign transaction fees
  • No blackout dates or seat restrictions, Bags fly free® and no change fees
  • Redeem your points for flights, hotel stays, gift cards, access to events and more

Rates & Fees

Annual Fee
$99
Intro Purchase APR
N/A
Regular APR
17.99% - 24.99% Variable
Intro Balance Transfers APR
N/A

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The World Of Hyatt Credit Card

The World Of Hyatt Credit Card
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Chase's Secure Site

At A Glance

Intro Bonus
60,000 points
?

Earn up to 60,000 Bonus Points - 40,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.

Annual Fee
$95
Regular APR
17.99% - 24.99% variable

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Highlights

  • Earn up to 60,000 Bonus Points - 40,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn an additional 20,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
  • Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Discoverist status for as long as your account is open and 5 qualifying night credits toward your next tier status every year
  • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card

Rates & Fees

Annual Fee
$95
Intro Purchase APR
N/A
Regular APR
17.99% - 24.99% Variable
Intro Balance Transfers APR
N/A

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Southwest Rapid Rewards® Premier Business Credit Card

Southwest Rapid Rewards® Premier Business Credit Card
Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Chase's Secure Site

At A Glance

Intro Bonus
60,000 points
?

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

Annual Fee
$99
Regular APR
17.99% - 24.99% variable

Show Less

Highlights

  • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • Earn points on employee spending
  • Employee cards at no additional cost
  • No blackout dates when you redeem points, no seat restrictions, bags fly free®, and no change fees
  • No foreign transaction fees

Rates & Fees

Annual Fee
$99
Intro Purchase APR
N/A
Regular APR
17.99% - 24.99% Variable
Intro Balance Transfers APR
N/A

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IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier Credit Card
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Chase's Secure Site

At A Glance

Intro Bonus
80,000 points
?

Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening

Annual Fee
$89
Regular APR
17.99% - 24.99% variable

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Highlights

  • Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
  • Enjoy a Free Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights
  • Earn 10 points per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Rates & Fees

Annual Fee
$89
Intro Purchase APR
N/A
Regular APR
17.99% - 24.99% Variable
Intro Balance Transfers APR
N/A

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Marriott Rewards® Premier Plus Credit Card

Marriott Rewards® Premier Plus Credit Card

2,726 Reviews

Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Chase's Secure Site

At A Glance

Intro Bonus
2 Free Nights
?

Earn 2 Free Night Awards (each valued up to 35,000 points) after you spend $3,000 on purchases in the first 3 months from account opening.

Annual Fee
$95
Regular APR
17.99% - 24.99% variable

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Highlights

  • Earn 2 Free Night Awards (each valued up to 35,000 points) after you spend $3,000 on purchases in the first 3 months from account opening.
  • Get the card that helps you earn more with U.S. News & World Report’s No.1 Hotel Rewards Program, Marriott Rewards.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn 6X points per $1 spent at participating Marriott Rewards & SPG hotels.
  • 2X points for every $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year.
  • Path to Gold Status when you spend $35,000 on purchases each account year.
  • Coming in 2019, 15 Elite Night Credits each calendar year.

Rates & Fees

Annual Fee
$95
Intro Purchase APR
N/A
Regular APR
17.99% - 24.99% Variable
Intro Balance Transfers APR
N/A

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Southwest Rapid Rewards® Priority Credit Card

Southwest Rapid Rewards® Priority Credit Card
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Chase's Secure Site

At A Glance

Intro Bonus
Up to 60,000 points
?

Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus earn 20,000 points after you spend $12,000 within your first year.

Annual Fee
$149
Regular APR
17.99% - 24.99% variable

Show Less

Highlights

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus earn 20,000 points after you spend $12,000 within your first year.
  • 7,500 bonus points after your Cardmember anniversary.
  • $75 Southwest® travel credit each year.
  • 4 upgraded boardings per year when available.
  • 20% back on inflight purchases made with your Southwest Rapid Rewards® Priority Credit Card.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • No foreign transaction fees.

Rates & Fees

Annual Fee
$149
Intro Purchase APR
N/A
Regular APR
17.99% - 24.99% Variable
Intro Balance Transfers APR
N/A

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Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.


Comparing Credit Card Offers from Chase

Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Here are the best Chase credit cards for 2019:

If you want a credit card with superior travel rewards, excellent cash back or a waived balance transfer fee, Chase offers that and more. While part of a full-service national bank, the company also issues about two dozen cards with a host of features and benefits. Here, we look at:

  • What is Chase?
  • What are Chase credit cards known for?
  • Can Chase credit cards be used internationally?
  • How many Chase credit cards can I have?
  • Chase Sapphire Preferred vs. Chase Sapphire Reserve
  • Earning rewards with Chase
  • What kind of points do I earn (Chase Ultimate Rewards) and what can I use them for?
  • What counts as dining and travel with Chase?
  • What airlines can I use with my Chase Ultimate Rewards?
  • Possible Chase benefits outside of cashback/rewards
  • Recap of the best Chase credit cards

What is Chase?

JPMorgan Chase Bank N.A., or Chase Bank, is a national bank and credit card issuer. That means the company grants cards to qualifying consumers. It partners with two networks, which process charges made at retailers. The primary networks are Visa and Mastercard. Most Chase credit cards are Visa cards, except the IHG Rewards Club Premier, which is a Mastercard.

What are Chase credit cards known for?

Chase credit cards are best known for their generous sign-up bonuses and boosted redemption travel rewards. In some cases, such as the Sapphire and Freedom cards, products can be partnered to fully use the Ultimate Rewards portal. A good to excellent credit score is typically needed for this brand, with its portfolio of business, cashback, travel and balance transfer products.

Can Chase credit cards be used internationally?

Chase credit cards can be used internationally in most locations. Along with rewards that come with travel and dining in the U.S., some Chase cards reward you for foreign travel. Also, in the case of such cards as the Sapphire products, there is no foreign transaction fee, which applies to both foreign travel and foreign purchases.

How many Chase credit cards can I have?

While in theory there is no limit to the number of Chase cards you can hold, the Chase 5/24 rule requires that you not open more than 5 cards of all issuers in a 24-month period. There are reported exceptions to this rule:

  • IHG Rewards Club Premier Card
  • British Airways Visa
  • Disney Rewards Visa
  • Ritz-Carlton Rewards
  • Marriott Rewards Premier Business

Chase Sapphire Preferred vs. Chase Sapphire Reserve

Rewards & BenefitsChase Sapphire PreferredChase Sapphire Reserve
Sign-up Bonus50k pts, $4,000/3-mth spend50k pts, $4,000/3-mth spend
Ongoing rewards2X pts worldwide travel, dining3X pts worldwide travel*, dining
Annual fee$95 waived first year$450
Travel redemption, Ultimate Rewards25% more50% more
Foreign transaction feeNoneNone
Annual creditNone$300 for travel purchases
Global Entry/TSA Pre-Check creditNoneNone
Airport lounge accessNoneYes
Rental Car privilegesNoneYes
Select complimentary hotel upgradesYesYes
Travel & purchase coverageYesYes

*3x pts on travel immediately after earning your $300 travel credit

Earning rewards with Chase

Chase products are among the best in the credit card business, whether you are looking at business cards or personal cards. That’s because the redemption rewards can be superior, depending on the card you use. Also, sign-up bonuses are lucrative, benefits are excellent and ongoing rewards are rich.

What kind of points do I earn with Chase?

Chase Ultimate Rewards. These are the points that you earn by spending on certain categories with your Chase credit card. Read below for information on redeeming your Chase Ultimate Rewards.

What can I use Chase Ultimate Rewards for?

You can redeem your Chase points for a number of rewards, including travel, gift cards, Amazon.com purchases, Chase Pay purchases and more. However, all points aren’t equal. For example, with the Chase Sapphire cards and the Ink Business Preferred, you can get $0.0125-$0.015 more on travel redemptions through Chase Ultimate Rewards, while points used on Amazon purchases only redeem at $0.008.

What counts as dining and travel to Chase?

Chase counts travel as such purchases from airlines, hotels, rental car agencies, timeshares, campgrounds, parking lots and garages, toll bridges and highways, taxis, and trains. Dining is considered everything from fast dining to fine dining, but it may not include such merchants as casinos or stadiums.

What airlines can I use with my Chase Ultimate Rewards?

  • Aer Lingus
  • Air France/KLM
  • British Airways
  • Iberia Plus
  • Korean Air
  • Singapore Airlines
  • Southwest Airlines
  • United Airlines
  • Virgin Atlantic

Possible Chase benefits outside of cash back/rewards

  • Chase Pay
  • Access to airport lounges
  • No foreign transaction fees
  • Visa Infinite concierge
  • Car rental privileges
  • Global Entry or TSA Pre-Check fee credit
  • Annual credit
  • No annual fee or waived fee first year
  • Extended warranty
  • Fraud protection
  • Purchase protection
  • Return protection
  • Trip cancellation/interruption insurance
  • Primary auto rental collision damage waiver
  • Lost luggage reimbursement
  • Trip delay reimbursement
  • Emergency evacuation and transportation

Recap: Best Chase credit cards

Card NameBest ForAnnual FeeReview Score
Chase Sapphire Preferred® CardBest overall offer$95, waived first year4.1 / 5
Chase Freedom Unlimited®Flat-rate cash back$03.2 / 5
Chase Freedom®Rotating cash back categories$02.9 / 5
Ink Business UnlimitedSM Credit CardFlat-rate business rewards$03.6 / 5
Chase Sapphire Reserve®Travel$4504.6 / 5
Ink Business PreferredSM Credit CardOverall business rewards value$953.9 / 5
Ink Business CashSM Credit CardNo annual fee business card$03.4 / 5
British Airways Visa Signature® CardAvios bonus$954.2 / 5
UnitedSM Explorer CardUnited miles$95, waived first year4.0 / 5
Southwest Rapid Rewards® Plus Credit CardSouthwest rewards points$693.9 / 5

Laura is an editor and writer at CreditCards.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura's work has been cited in such publications as the New York Times and Associated Press. You can reach her by e-mail at laura.mohammad@creditcards.com and on Twitter @creditcards_lm.