Editor’s Note: This is a recurring article, regularly updated with new information.
Currently, Southwest Airlines’ three personal credit cards each have a hefty welcome bonus that TPG values at $1,125.
The Southwest Rapid Rewards Plus Credit Cardthe Southwest Rapid Rewards Premier Credit Card and the Southwest Rapid Rewards Priority Credit Card offer high sign-up bonuses of up to 75,000 bonus points for new applicants who spend $3,000 on purchases within the first three months of account opening. These offers end on December 5, 2022.
Southwest credit cards continue to be fan favorites, in large part because their bonuses are the fastest way to earn the valuable Southwest Companion Pass. It is therefore important to know if you are eligible.
Remember that getting the Companion Pass will require more points from 2023 – 135,000 points to be exact. However, those with a Southwest credit card will receive 10,000 bonus points in their Rapid Rewards account within 30 days of opening a Southwest credit card (new applicants) or at the start of the year (for holders existing maps).
There are three specific rules to follow when considering a Southwest credit card. Here’s what you need to know.
Related: The Ultimate Guide to Credit Card Application Restrictions
Which Southwest credit cards am I eligible for?
If you’re considering Southwest credit cards, there are five options to choose from — three personal and two business. Here are the personal cards:
And here are the two business credit cards:
Subscribe to our daily newsletter
Chase and Southwest have made this process relatively simple by treating all personal cards the same and having two simple rules for business cards.
If you want to request a personal card
You are eligible to do so as long as you meet the following criteria:
- The Chase 5/24 Rule: You will almost certainly be rejected for a Southwest credit card if you have opened five or more credit cards (from any bank) in the past 24 months, excluding most business cards.
- Card “family” restrictions: If you already have a personal Southwest card, you cannot open another one until you cancel your current card.
- Sign-up bonus rules: You cannot open the card if you have earned a sign-up bonus from a Southwest personal card within the last 24 months
The important note here is that having a Southwest business credit card does not affect your eligibility for personal cards.
If you want to request a business card
You can do this as long as you have less than 5/24 and follow these rules:
- You cannot currently have that particular credit card.
- You cannot have received a bonus on this particular credit card in the last 24 months.
Applying for Southwest Personal Credit Cards does not impact your business card eligibility except that it takes up one of your 5/24 slots. More importantly, having either Southwest business credit card does not affect your eligibility for the other Southwest business card.
What is the best plan for applying for Southwest credit cards?
Assuming you have a 5/24 slot to spare, the best plan for most people would be to apply for both Southwest business credit cards. This would not increase your 5/24 account and allow you to apply for a personal Southwest card in the future. Assuming both applications are approved, the combined sign-up bonuses would be enough to qualify for the Southwest Companion Pass.
Related: How to Earn the Southwest Companion Pass Fast
At the end of the line
It’s always important to plan your credit card applications and pay attention to card and issuer specific rules. While Chase’s decision to introduce a so-called “family restriction” on the Southwest Personal Maps has thrown a wrench in many people’s Companion Pass plans, the same restriction does not apply to the two maps of visit.
Remember that all three Southwest personal credit cards currently offer a hefty sign-up bonus of 75,000 bonus points. You can earn these points after spending $3,000 on purchases within three months of opening the account, and you’ll be on your way to earning a Companion Pass. Offers end December 5, 2022.
Apply here: Southwest Plus Credit Card
Apply here: Southwest Premier Credit Card
Apply here: Southwest Priority Credit Card
Apply here: Southwest Premier Corporate Credit Card
Apply here: Southwest Performance Business Credit Card
Additional reporting by Madison Blancaflor, Joseph Hostetler and Ryan Smith.