Is the Southwest Rapid Rewards Plus worth $99 a year?
A fee card has to beat the best no-fee card by more than its fee before it earns you anything. Below is the annual spend, category by category, where the Southwest Rapid Rewards Plus’s extra rewards clear the $99. Southwest Rapid Rewards points are valued at 1.35¢ each, their typical redemption worth.
| Category | This card | Best no-fee card | Spend to clear the fee |
|---|---|---|---|
| No category on this card beats the best no-fee alternative, so no amount of spending clears the fee on rewards alone. | |||
Categories can combine: spending across several bonus categories clears the fee sooner than any single row suggests. Portal-only rates and perks (credits, lounges) are excluded — this is the rewards math only.
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