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.
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 | Conditions |
|---|---|---|
| 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 year |
|---|---|
| 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 Platinum Select — annual fee $99 a year
- Bank of America Atmos Rewards Ascent Visa Signature — annual fee $95 a year
- American Express Delta SkyMiles Gold — annual fee $150 a year
- Chase United Explorer — annual fee $150 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.
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