Southwest Rapid Rewards® Priority vs. Discover it® Cash Back
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 →
Discover it® Cash Back
Discover
4.5
5% rotating categories. Cashback Match at end of first year.
Full review →WealthSpott Verdict
Discover it® Cash Back 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®
Discover it® Cash
Annual Fee
$149/yr
$0 Best
Sign-up Bonus
50,000 points
Cashback Match
Rewards Rate
1x-3x
1%-5%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
21.49%-28.49% Variable
18.24%-28.24% 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
Discover it® Cash Back
Pros
- Cashback Match doubles first-year earnings
- 5% rotating categories
Cons
- Quarterly category activation required
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