Southwest Rapid Rewards® Priority vs. Citi Simplicity®
Side-by-side comparison · Updated 2026 · Independently reviewed
Southwest Rapid Rewards® Priority
Chase
4.3
50,000 bonus points. 7,500 anniversary points. $75 travel credit.
Full review →
Citi Simplicity®
Citi
4.3
0% intro APR for 21 months on balance transfers. No late fees ever.
Full review →WealthSpott Verdict
Citi Simplicity® wins on more measurable categories — particularly annual cost. Southwest Rapid Rewards® Priority may still win for your wallet depending on your spending patterns.
Feature
Southwest Rapid Rewards®
Citi Simplicity®
Annual Fee
$149/yr
$0 Best
Sign-up Bonus
50,000 points
None
Rewards Rate
1x-3x
0%
Rewards Type
Points
None
0% Intro APR
N/A
0% for 12 months
Regular APR
21.49%-28.49% Variable
18.49%-28.99% Variable Best
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Southwest Rapid Rewards® Priority
Pros
- 7,500 anniversary points each year
- $75 annual Southwest travel credit
- 4 upgraded boardings per year
- Path to Companion Pass with enough spending
Cons
- $149 annual fee
- Only valuable for Southwest flyers
- Foreign transaction fee
Citi Simplicity®
Pros
- 0% intro APR for 21 months on balance transfers
- No annual fee
- No late fees — ever
Cons
- No rewards program
- 3% foreign transaction fee
- Purchase APR intro only 12 months
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