Chase · Visa

Annual fee

$149

Rewards

Rapid Rewards

Earn rates

• 3x Southwest Airlines purchases — Verbatim: "You'll earn 3 points for each $1 spent on purchases made directly with Southwest Airlines" (flight, inflight, Southwest gift cards, Getaways by Southwest packages; Cruises, Charters and Cargo excluded)
• 2x Grocery stores and restaurants (combined) (up to $8,000/yr) — Verbatim: "You’ll earn 2 points for each $1 of the first $8,000 spent each account anniversary year on combined purchases in the following rewards categories: grocery stores and dining at restaurants." and "After $8,000 is spent, you go back to earning 1 point for each $1 spent, with no maximum." Cap is $8,000 combined per account anniversary year.
• 3x Lyft (through 12/31/2027) — Verbatim: "You’ll earn 3X Rapid Rewards points on qualifying Lyft products and services purchased through the Lyft mobile application through 12/31/2027." Limited-time promotion, 2 points on top of the 1 point base.
• 1x Balance transfers (first 90 days) (up to $15,000/yr) — Verbatim: "You'll earn 1 point for each $1 of the first $15,000 of balance transfers made during the first 90 days from your original account open date."

Foreign transaction fee

None

Purchase APR

19.24%–27.74% variable

Issuer rules

• Verbatim: "This product is available to you if you do not have a current Southwest Rapid Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months." (page adds: "This does not apply to Business Card and Employee Credit Card products.")
• Verbatim (Pricing & Terms): "Chase cardmembers who currently have or have had a Chase credit card in any Rewards Program associated with this offer, may not be eligible for a second Chase credit card in the same Rewards Program."
• Verbatim (Pricing & Terms): "You must be at least 18 years old to qualify (19 in AL and NE, 21 in Puerto Rico)."
• Verbatim (Pricing & Terms): "You must have a valid permanent home address within the 50 United States, the District of Columbia, Guam, Puerto Rico, or the US Virgin Islands, or have a United States military address."

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