Chase Rapid Rewards Plus
Chase, Visa, $99 annual fee. Earns Southwest Rapid Rewards, valued at 1.30¢ a point.
Rates checked against the issuer 2026-09. Foreign transaction fee: not recorded here.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $374, or $275 after the fee.
- Weighing it up against: Rapid Rewards Priority.
Is the annual fee worth it?
It earns about $374 a year on the illustrative household's spending, which is $275 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $784 a year behind. On earning alone it does not catch up at any level of spending this looks at — its credits and perks have to make up the difference, or the fee is not paying for itself.
Price its credits, perks and sign-up bonus your way — tick what you would use and say what it is worth to you.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 2x | Southwest only. Southwest purchases only |
| Phone & Internet, Streaming | 2x | Internet, cable and phone services, and select streaming |
| Public Transit, Rideshare & Taxis | 2x | Local transit and commuting, including rideshare |
| Everything else | 1x |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Groceries | $78 |
| Everything Else | $78 |
| Restaurants & Bars | $47 |
| Phone & Internet | $37 |
| Gas Stations | $23 |
| Online Shopping | $23 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
Protections and travel benefits
From the issuer's own benefit summary as of 2026-09. These are read from summaries rather than the full guide to benefits, which has the exclusions — check it before relying on one.
What the issuer lists besides rewards
- 3,000 anniversary points each year
- First checked bag free for you and up to eight passengers on the same reservation
Similar cards
- Citi AAdvantage Business World Elite Mastercard — annual fee $99 a year
- Citi AAdvantage Platinum Select — annual fee $99 a year
- Bank of America Atmos Rewards Ascent Visa Signature — annual fee $95 a year
- Chase Rapid Rewards Premier — annual fee $149 a year
- Every airline card, ranked
- When an annual fee pays for itself
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.