A low-cost way to earn Rapid Rewards points and anniversary bonuses

Southwest Rapid Rewards® Plus Credit Card: Calculator & Rewards Value

Fees

Earning Rates

Earn 2X points on Southwest® purchases.
Earn 2X points on local transit and commuting, including rideshare.
Earn 2X points on internet, cable, phone services, and select streaming.
Earn 1X point for every $1 spent on all other purchases.

Main Benefits

10,000 Companion Pass® qualifying points boost each year
2 EarlyBird Check-In per year
25% back on inflight purchases.
3,000 anniversary points every cardmember anniversary

Our Take

The Southwest Plus Card is a decent option for a low-fee rewards card, but it falls short. I recommend picking up a higher-tier Southwest card if you're looking for benefits or checking out Southwest credit card partners if you're looking to maximize your points.

Last Updated: 04-04-2025

Southwest Plus points calculator

Use the calculator to estimate how many Rapid Rewards points you'll earn with the Southwest Plus Card based on your monthly spend. Compare it with other Southwest cards, adjust annual fees and perks, and find the best value for your travel goals.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

Card Details

Southwest Plus earning rate

The Southwest Plus Card earns Southwest points at the following rates:

2 points per dollar spent on Southwest purchases.
2 points per dollar spent on Rapid Rewards hotel and car rental partners.
2 points per dollar spent on local transit and commuting, including rideshare.
2 points per dollar spent on internet, cable, phone services, and select streaming.
1 point per dollar spent on everything else.

Calculator: Southwest Plus points value

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Southwest Plus benefits

Here are the main perks and benefits of the Southwest Plus Card:

Anniversary Points: Receive 3,000 points every year on your Cardmember anniversary.
EarlyBird Check-In: Receive 2 EarlyBird Check-In each year.
In-Flight Discounts: Get 25% back on inflight purchases when you use your card to pay.
Companion Pass Boost: Receive 10,000 Companion Pass® qualifying points boost each year.
Travel & Purchase Coverage: Lost Luggage Reimbursement, Baggage Delay Insurance, Extended Warranty Protection, and Purchase Protection.

Southwest Plus fees

Annual Fee

The Southwest Plus Card has an annual fee of $69.

This is the lowest fee of all the Southwest cards. You'll get more than half of this fee back in the form of anniversary points — the rest you should be able to make up with the EarlyBird Check-In and other benefits.