Southwest Rapid Rewards® Plus vs. Famous Footwear Credit

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Southwest Rapid Rewards® Plus Card Southwest Rapid Rewards® Plus Card Famous Footwear Credit Card Famous Footwear Credit Card
8.5MyCreditCardLab Score

MyCreditCardLab Score 8.5

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
9.1
Intro APR
7
Regular APR
8.4
Rewards
9.2
Benefits
8.5
Welcome Bonus
8.4
Recommended Credit Score: 9.1
Foreign Transaction Fee: 8.8
Cash Advance Fee: 9
Balance Transfer Fee: 7.8
7.9MyCreditCardLab Score

MyCreditCardLab Score 7.9

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
7
Regular APR
7
Rewards
9
Benefits
8.8
Welcome Bonus
7.8
Recommended Credit Score: 9.3
Foreign Transaction Fee: 10
Cash Advance Fee: 5
Balance Transfer Fee: 5
ANNUAL FEE
$69 $0
INTRO APR
No intro offer available No intro offer available
REGULAR APR
21.49% - 28.49% Variable APR 35.24% Variable APR
PROS
  • No reward caps
  • No booking fees
  • Unlimited rewards seats
  • 3,000 points every year on your Cardmember anniversary
  • Qualify with fair credit
  • No membership fees
  • $10 initial rewards bonus
CONS
  • Very high balance transfer fee
  • 3% Foreign transaction fee
  • Annual fee
  • No introductory APR
  • Membership fees
  • High regular APR
  • No Foreign Transaction fee
  • Spending caps on rewards
WELCOME BONUS
30,000 points after you spend $4,000 on purchases in the first 3 months from account opening Get $10 off your first card purchase when opening and using your Credit Card account.
REWARDS
Southwest Rapid Rewards® Plus Card Rewards program provides exceptional flexibility in credit currency. Redeem your earnings across a wide range of options, including:
  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
  • 3,000 anniversary points each year.
  • Earn 2X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services; select streaming.
  • 2 EarlyBird Check-In® each year.
  • Earn 1 point for every $1 spent on all other purchases.
  • Member FDIC
Famous Footwear Credit Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • Earn 1 point per $1 spent. Members earn $5 Reward Cash for every 100 points — up to $250 a year.
  • Get $10 off your first card purchase. This happens when you open and use your Credit Card account.
  • Star Members who are eligible get $5 Reward Cash. It is valid for their birthday month.
  • Rewards members can get 2X points for every dollar spent on all purchases. This is during your birthday month.
BENEFITS
Various protections and perks - There are enough perks to justify keeping the card year after year. The lost luggage reimbursement and baggage delay insurance can reimburse you. They give you peace of mind when traveling. So can the extended warranty and purchase protection. The anniversary point bonus and EarlyBird check-ins also make it worthwhile. Redemption flexibility - There aren’t any blackout dates, so you can use your rewards points whenever you choose. 25% back on inflight purchases - You’ll get a nice discount on any inflight purchases. This includes drinks, meals, and internet access. Extended warranty protection - Southwest Plus cardholders can add a year to the original warranty on eligible purchases made with the card. They can do this up to $10,000 per claim. Baggage delay insurance - This benefit provides reimbursement for emergency purchases of essential items. It applies when your baggage is delayed for over six hours. It covers up to $100 per day for a maximum of three days. 2 EarlyBird check-ins each year - You’ll get a pair of credits you can use for early check-ins twice per year. This lets you check in automatically before the typical 24-hour check-in. It lets you get an earlier boarding position and a better chance to pick your seat and store your bags. EarlyBird check-in typically costs between $15 and $20. STAR benefits - The STAR benefits scheme is for Famous Footwear. It is their lower reward level. It offers you $5 in Reward Cash for every 100 points you spend at Famous Footwear. That said, this only counts up to a maximum of $75 in rewards points per transaction. Birthday month - Members can receive 2X points per dollar spent on all purchases. This is during your birthday month. Superstar membership - Members who spend $200 or more over 12 months will get Superstar membership. Superstar membership will receive 1.5 points instead of 1 point for every $1 in purchases SUPERSTAR benefits - Famous Footwear’s SUPERSTAR benefits scheme is a higher rewards tier. You can unlock it by spending $200 in a year. SUPERSTAR members get 1.5 points for every $1 in purchases. They also get free shipping and $10 in Reward Cash on your birthday. Free Shipping - No minimum on all orders online and from your store — just for members
CASH ADVANCE FEE / APR
29.99% variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater Cash advance Not Allowed
BALANCE TRANSFER FEE
21.49%–28.49% variable, plus a fee of either $5 or 5% of the amount of each transfer, whichever is greater Balance Transfers Not Allowed
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 600 - 850 (Poor - Exceptional)
FOREIGN TRANSACTION FEE
3% $0
BEST FOR
  • Travelers
  • Frequent Flyers
  • Hotel Stays
  • Foreign Travel
  • Rewards Points Enthusiasts
  • Students
  • Health and Wellness
  • Sports and Fitness
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