Southwest Rapid Rewards^® Credit Cards

Chase, in its sole discretion, and not Southwest Airlines^®, decides whether to approve your application based upon an evaluation of information furnished by you or others (including credit reporting agencies).

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Earn 25,000 Bonus Points After You Spend $1,000 In The First 3 Months From Account Opening: This product is not available to either (i) current Cardmembers of this credit card, or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months. To qualify for your bonus points, you must make Purchases totaling $1,000 or more during the first 3 months from account opening. Please allow up to 8 weeks for bonus points to post to your Rapid Rewards^® account. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Pricing: Purchase, balance transfer, and My Chase Loan APR is 17.49% variable. Cash advance APR is 29.24% variable. Penalty APR: Up to 29.99% variable. Variable APRs change with the market based on the Prime Rate, which was 7.50% on 06/27/25. Annual fee: None. Minimum Interest Charge: None. Chase Pay Over Time^® Monthly Fee: Up to 1.72% of the amount of each eligible purchase transaction or amount selected to pay over time with no interest, just a fixed monthly fee. Balance Transfer Fee: 5% of the amount of each transaction, but not less than $5. Cash Advance Fee: 5% of the amount of each advance, but not less than $10. Foreign Transaction Fee: None. Credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Subject to credit approval. To obtain additional information on the current terms and information on any changes to these terms after the date above, please call 1-888-252-4614.

Earning in the Rewards Program: You’ll earn points on purchases of products and services, minus returns or refunds, made with a Rapid Rewards^® Credit Card by you or an authorized user of the account; however, the following types of transactions won’t count as purchases and won’t earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 2 points: You’ll earn 2 points for each $1 spent on purchases made directly with Southwest Airlines^®, including flight, inflight, Southwest^® gift cards, and Southwest Vacations^® or Getaways by Southwest^TM packages. Until December 31, 2025, you’ll earn 2 points for each $1 spent on Southwest Cruises purchases and on purchases at participating Rapid Rewards^® hotel and rental car partners. Other Southwest Airlines related purchases, such as Southwest Charters and Southwest Cargo^® are excluded. 2 points: You’ll earn 2 points for each $1 of the first $5,000 spent each account anniversary year on combined purchases in the following rewards categories: gas stations and grocery stores. After $5,000 is spent, you go back to earning 1 point for each $1 spent, with no maximum. 2 points: Until December 31, 2025, you’ll earn 2 points for each $1 spent on purchases in the following rewards categories: local transit and commuting; internet, cable, and phone services and select streaming services. 1 point: You’ll earn 1 point for each $1 spent on all other purchases. 1 point on balance transfers: You’ll earn 1 point for each $1 of the first $10,000 of balance transfers made during the first 90 days from your original account open date. 3,000 bonus points each account anniversary year: You’ll receive 3,000 bonus points each account anniversary year. “Account anniversary year” means the year beginning with your account open date through the first statement after the anniversary of your account open date, and each 12 billing cycles after that. Up to 5,000 bonus points each calendar year: You’ll receive 2,500 bonus points each calendar year during which at least $5,000 is spent on purchases; you’ll receive an additional 2,500 bonus points each calendar year during which at least $10,000 is spent on purchases. “Calendar year” means January 1 through December 31 of that same year. You must be a current Employee of Southwest Airlines^® to participate in the Rapid Rewards Employee card rewards program. Information about earning/transferring points to Southwest Airlines: Points earned during a billing cycle will be automatically transferred to Southwest Airlines after the end of each billing cycle. Losing points: You’ll immediately lose all points that haven’t been transferred to Southwest Airlines if your card account status changes, or your card account is closed for program misuse, fraudulent activities, or other reasons described in the terms of the Rewards Program Agreement. For important information about Chase rewards categories, see chase.com/RewardsCategoryFAQsOpens in new window. For more information about the Rapid Rewards Employee Credit Card rewards program, you can see the latest Rewards Program Agreement at chase.com/swaemployeecard/rewardsagreementOpens in new window and it will also be available for Cardmembers after logging in to chase.comOpens in new window and will be mailed for new or changed accounts.

First Checked Bag Free: The primary Rapid Rewards^® Credit Cardmember and up to eight Passengers traveling on the same reservation are each eligible to receive their first standard checked bag free. Cardmembers should allow up to 14 days for card status to be updated in their Rapid Rewards account to be eligible for this benefit. To receive their first standard checked bag free, the primary Cardmember must include their Rapid Rewards number in their reservation. The first standard checked bag free is not available on flights booked with a partner carrier. Service charges for oversized, overweight, and extra baggage may apply. Cardmembers with A-List Preferred or A-List status or who purchase a Business Select^® fare will receive the bag benefits associated with their Southwest Rapid Rewards^® tier status or fare. Cardmembers who are already exempt from paying the charge for their first checked bag are not eligible for this benefit. Authorized users of Rapid Reward Credit Cards and employee cards of Rapid Rewards Business Credit Cards are not eligible for this benefit. Credit card account must be open and not in default to be eligible for this benefit. Chase is not responsible for the provision of or failure to provide the stated benefits and services.

Standard Seat Selection Within 48 Hours Prior to Departure: When available, primary Cardmembers with a Southwest Rapid Rewards^® Plus Credit Card, Southwest Rapid Rewards^® Employee Credit Card, or Southwest Rapid Rewards^® Plus Business Credit Card will be able to select a Standard seat within 48 hours prior to a flight’s scheduled local departure time. If no Standard seat is available, Cardmembers will be assigned a seat in accordance with the fare rules of the ticket purchased. When available, Cardmembers will be able to select Standard seats for up to 8 additional Passengers on the same reservation as the Cardmember, allowing for a total of 9 Standard seats. If the Cardmember is removed from the reservation and there is no primary Cardmember or tier Rapid Rewards^® Member with the same or greater seating benefits, all seating selections for that reservation will be released and seats will be assigned in accordance with the fare rules of the ticket purchased. Benefits may not apply on itineraries booked with partner airlines. Cardmembers should allow up to 14 days for card status to be updated in their Rapid Rewards account to be eligible for this benefit. Authorized users of a Rapid Rewards Plus Credit Card and Rapid Rewards Employee Credit Card; and employee cards of a Rapid Rewards Plus Business Credit Card are not eligible for this benefit. Credit card account must be open and not in default when selecting a Standard seat. If your Credit card account is closed or in default before or at the time of travel, the seat selection will be released. Chase is not responsible for the provision of or failure to provide the stated benefits and services.

Southwest^® 10% Promotion Code: Cardmembers with a Southwest Rapid Rewards^® Plus Credit Card, Southwest Rapid Rewards^® Employee Credit Card, or Southwest Rapid Rewards^® Plus Business Credit Card will receive one 10% promotion code each account anniversary year. “Account anniversary year” means the year beginning with your account open date through the first statement after the anniversary of your account open date, and each 12 billing cycles after that. The 10% promotion code will appear in your Rapid Rewards^® account within 15 days of account anniversary. The promotion code will be valid within one year of delivery, the exact date of which will be listed in your Rapid Rewards account. The 10% promotion code savings is not valid on Basic fare bookings. Promotion code must be entered in the Promo Code box and will be applied to the base fare before government taxes and fees. Please note that the Department of Transportation (DOT) requires advertised fares to include all government taxes and fees, however this promotion code savings applies to the base fare only. All flights are subject to taxes, fees, and other government or airport-imposed charges of at least $5.60 per one-way trip. Applicable taxes, fees, and other government or airport-imposed charges can vary significantly based on your arrival and departure destination. The payment of any taxes, fees, and other government or airport-imposed charges is the responsibility of the Passenger and must be paid at the time travel is booked with a credit card, flight credit, or Southwest gift card. Fares are subject to change until ticketed. The promotion code is not redeemable for cash and may not be used in conjunction with other promotion codes, special offers, or toward the purchase of a gift card or previously booked flight, or change to a previously booked flight. The promotion code is only valid on Southwest.com and Southwest mobile app and is not valid on group travel or Southwest Vacations^®, Getaways by Southwest^TM, fares booked via swabiz.comOpens in new window, our Southwest Partner Services API or through Global Distribution Systems, or special fares, such as military and government fares. Credit card account must be open and not in default at the time of fulfillment. Chase is not responsible for the provision of, or failure to provide, the stated benefits and services.

Group 5 Boarding Benefit: Primary Cardmembers with a Southwest Rapid Rewards^® Credit Card or Southwest Rapid Rewards^® Business Credit Card will be able to board their Southwest^® flight with Group 5. Up to 8 Passengers traveling on the same reservation as the Cardmember will be able to board with Group 5 as long as the Cardmember remains booked on the same reservation. Eligible Passengers will have “Cardmember” displayed on their Southwest^® boarding pass to indicate their boarding privilege. If the Cardmember’s account is closed or in default before or at the time of travel, this benefit will be canceled for them and all Passengers on the same reservation. If the Cardmember is removed from the reservation and there is no primary Cardmember or tier Rapid Rewards member with the same or greater boarding benefits, boarding will be assigned in accordance with the fare rules of the ticket purchased. Cardmembers should allow up to 14 days from approval for card status to be updated in their Rapid Rewards^® account to be eligible for this benefit. Authorized users of Rapid Rewards Credit Cards and employee cards of Rapid Rewards Business Credit Cards are not eligible for this benefit. This benefit is available on Southwest Airlines^® operated flights only. Benefits may not apply on itineraries booked with partner airlines. Chase is not responsible for the provision of or failure to provide the stated benefits and services.

Companion Pass Qualifying Points: Companion Pass^® qualifying points are earned from revenue flights booked through Southwest^®, points earned on Rapid Rewards^® Credit Cards, and base points earned from Rapid Rewards partners. The following do not count as Companion Pass qualifying points: purchased points; points transferred between Members; points converted from hotel and car loyalty programs, e-Rewards^®, Valued Opinions, and Diners Club^®; points earned from Rapid Rewards program enrollment, tier bonus points; flight bonus points; and partner bonus points (with the exception of the Rapid Rewards Credit Cards from Chase). No points nor tier or Companion Pass qualifying points will be awarded for flights taken by the Companion when flying on a Companion Pass reservation. Points earned during a billing cycle on a Southwest Airlines Rapid Rewards Credit Card from Chase are not available for redemption or qualification for Companion Pass status until they are posted on your billing statement and posted to your Rapid Rewards account. Only points posted on your billing statements and posted to your Rapid Rewards account during the same calendar year are available for qualification for Companion Pass status. For example, if you make a purchase after your December billing statement cycle date, the points on those purchases will not count toward Companion Pass status in the year the purchase was made; they will appear on your January billing statement and post to your Rapid Rewards account in January. Companion Pass Qualifying Points Boost: As a Southwest Rapid Rewards Cardmember, you will earn one boost of 10,000 Companion Pass qualifying points each calendar year. The boost will be deposited into your eligible Rapid Rewards account by January 31st each calendar year or up to 30 days after account opening. To receive Companion Pass qualifying points boost your credit card account must be open and not in default at the time of fulfillment. Only one credit card account per Southwest Rapid Rewards Member (Rapid Rewards Member must be the primary Cardmember on that account), is eligible for one boost of 10,000 Companion Pass qualifying points per calendar year. JPMorgan Chase Bank, N.A. is not responsible for the provision of, or failure to provide, the stated benefits and services.

25% back on inflight purchases on Southwest Airlines^® flights: You will receive 25% back on Southwest Airlines inflight purchases made with your Southwest Rapid Rewards^® Employee Credit Card for drinks and WiFi in the form of a credit card account statement credit. Statement credit(s) will post to your credit card account the same day as your purchase(s) and will appear on your monthly credit card billing statement within 6-8 weeks. You will also receive 25% back on inflight purchases made by authorized users on your account. To qualify for the 25% back, purchase must be made with your Southwest Rapid Rewards^® Employee Credit Card and your account must be open and not in default at the time of fulfillment.

Chase, in its sole discretion, and not Southwest Airlines^®, decides whether to approve your application based upon an evaluation of information furnished by you or others (including credit reporting agencies).

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SOUTHWEST RAPID REWARDS^® PROGRAM INFORMATION

The Southwest Airlines Rapid Rewards Credit Card is brought to you by Southwest Airlines^® and Chase. Southwest Airlines is responsible for the redemption of Rapid Rewards^® points toward benefits and services. The number of points needed for a particular Southwest flight is set by Southwest and will vary depending on destination, time, day of travel, demand, point redemption rate, and other factors and is subject to change. Rapid Rewards points can only be transferred to the primary Cardmember’s Rapid Rewards account. All Rapid Rewards rules and regulations apply and can be found at Southwest.com/rrtermsOpens overlay. Southwest reserves the right to amend, suspend, or change the program and/or program rules at any time without notice. Rapid Rewards Members do not acquire property rights in accrued points.

Restrictions and limitations apply. Offer subject to change. Please call 1-888-252-4614 for pricing and rewards details.

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