Content Contributed by: Wendy Busse-Coleman
So, if you’ve checked your mail lately and spotted Chase’s "Important Change Notice" about your Southwest Rapid Rewards Credit Card, you probably felt the same punch in the gut I did. That annual fee is shooting up to $229 – yep, a big jump that’s got a lot of us scratching our heads.
What Changed:
- Chase and Southwest refreshed their co-branded cards in 2025.
- Annual fees rose across all tiers, with the Priority card now at $229.
- New perks include:
- 4x points on Southwest purchases
- 2x points at gas stations and restaurants
- Free checked bags for you + companions
- Complimentary seat selection starting in 2026
- Anniversary bonus points
Why It Matters:
For frequent Southwest flyers, these perks can outweigh the fee. For example, if you fly 4 times a year, free checked bags alone save approximately $240. Already covering the $229 fee. Add seat selection, bonus points, and extra earning categories, and the card can deliver $500-$700 in annual value.
What To Do:
- Frequent flyers (3+ trips/year): keep the card - the math works in your favor.
- Occasional flyers: Consider downgrading to the $99 Plus card or switching to a flexible travel rewards card.
- Everyone: Re-check fares after booking with points. Southwest lets you rebook if prices drop, maximizing your rewards.
In Closing:
The fee hike is real, but it doesn't have to be a deal-breaker. With smart use of perks and points, you can turn that $229 into a net gain.
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