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Southwest Rapid Rewards Plus vs Wells Fargo Reflect Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Southwest Rapid Rewards PlusChase | Wells Fargo Reflect CardWells Fargo |
|---|---|---|
| Rating | 4.2/5 | 4/5 |
| Annual Fee | $69 | $0 |
| APR | 19.49% - 27.99% | 17.49% - 28.24% |
| Signup Bonus | 40,000 points plus Companion Pass after spending $5,000 in 3 months | None |
| Rewards Rate | 2X on Southwest purchases, Rapid Rewards hotel/car partners, and local transit & commuting, 1X on everything else | No rewards — this is a 0% intro APR card for balance transfers and purchases |
| Credit Score | good | good |
| Pros | Companion Pass with signup bonus — a friend flies free on every trip Low $69 annual fee for an airline card 25% back on in-flight purchases and 2 free checked bags (Southwest standard) | 0% intro APR for 21 months on purchases and balance transfers — longest on the market $0 annual fee Cell phone protection up to $600 per claim |
| Cons | Companion Pass from signup is limited-time offer Southwest flies domestically only (no international routes) 2X earn rate limited to Southwest and partner purchases | No rewards program at all Balance transfer fee applies No signup bonus |
| View Details → | View Details → |
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Verdict
Our Pick: Southwest Rapid Rewards Plus
With a 4.2/5 rating, the Southwest Rapid Rewards Plus edges out the Wells Fargo Reflect Card (4/5). At $69/yr, the value proposition is strong. The Southwest Plus is the entry point to the Southwest ecosystem. The Companion Pass promotion alone can save hundreds — a friend flies free on every booking for the rest of the qualifying year plus the next.