Southwest Airways presents 5 bank cards you may apply for: three private and two enterprise ones.
With the Southwest Fast Rewards® Plus Credit score Card (see charges and costs), Southwest Fast Rewards® Premier Credit score Card and Southwest Fast Rewards® Precedence Credit score Card (see charges and costs), new cardholders can earn 100,000 bonus factors after spending $4,000 on purchases within the first 5 months from account opening.
The knowledge for the Southwest Fast Rewards Premier has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
There are a couple of particular guidelines to be careful for when eyeing a Southwest bank card, relying on whether or not you desire a private card or a enterprise card. Right here's what it is advisable to know.
Which Southwest bank cards am I eligible for?
When you're taking a look at Southwest bank cards, you’ve 5 choices to select from. The airline presents three private playing cards and two enterprise playing cards.
These are the private playing cards:
- Southwest Fast Rewards Plus Credit score Card: $99 annual price
- Southwest Fast Rewards Premier Credit score Card: $149 annual price
- Southwest Fast Rewards Precedence Credit score Card: $229 annual price
And listed here are the 2 enterprise playing cards:
- Southwest® Fast Rewards® Premier Enterprise Credit score Card (see charges and costs): $149 annual price
- Southwest® Fast Rewards® Efficiency Enterprise Credit score Card (see charges and costs): $299 annual price
At present, the private playing cards all have a limited-time welcome provide. New cardholders can earn 100,000 bonus factors after spending $4,000 on purchases within the first three months from account opening.
This bonus is price $1,350, primarily based on TPG's August 2025 valuations.
The 2 enterprise playing cards have totally different welcome presents.
New Southwest Efficiency Enterprise cardholders can earn 80,000 factors after spending $5,000 on purchases within the first three months of account opening.
In the meantime, new Southwest Premier Enterprise cardholders can earn 60,000 factors after spending $3,000 on purchases within the first three months of account opening.
Based on our valuations, these welcome bonuses are price $1,080 and $810, respectively.
Chase and Southwest preserve the appliance course of comparatively easy by treating all private playing cards equally and setting two easy guidelines for the enterprise playing cards.
Associated: Methods to observe your progress towards a bank card welcome bonus
If you wish to apply for a private card
You might be eligible to take action so long as you abide by the next standards:
- The Chase 5/24 rule: You'll virtually actually be rejected for a Southwest bank card should you've opened 5 or extra bank cards (from any issuer) throughout the previous 24 months, excluding most enterprise playing cards.
- Card "household" restrictions: When you've already acquired a Southwest private card, you may't open one other till you've canceled or product-changed your present card.
- Welcome bonus guidelines: You’ll be able to't open the cardboard should you've earned a welcome bonus from a Southwest private card throughout the previous 24 months.
The necessary notice right here is that having a Southwest enterprise bank card or worker card doesn’t have an effect on your eligibility for private playing cards.
If you wish to apply for a enterprise card
You might be eligible to take action so long as you’re beneath 5/24 and meet the next guidelines:
- You can’t at present have that exact bank card.
- You can’t have obtained a bonus on that exact bank card previously 24 months.
Making use of for private Southwest bank cards has no impression in your eligibility for enterprise playing cards, aside from the truth that it takes up one among your 5/24 slots. Extra importantly, having both Southwest enterprise bank card doesn't have an effect on your eligibility for the opposite Southwest enterprise card.
Associated: Southwest Efficiency vs. Premier: Which Fast Rewards enterprise bank card is best for you?
What’s the greatest plan to use for Southwest bank cards?
Assuming you’ve a 5/24 slot or two to spare, the most effective plan for most individuals could be to use for each Southwest enterprise bank cards. Doing so received't improve your 5/24 depend and can preserve you eligible for a private Southwest card sooner or later.
As a consequence of Chase's utility restrictions on private Southwest playing cards, it's a good suggestion to attend for the best welcome bonus out there or when a Companion Cross is obtainable earlier than making use of.
Associated: Methods to shortly earn the Southwest Companion Cross
Backside line
It's at all times necessary to plan your bank card functions and take note of card and issuer-specific guidelines.
Whereas Chase's "household restriction" on the private Southwest playing cards throws a wrench into many individuals's Companion Cross plans, the identical restriction doesn't apply to the 2 enterprise playing cards.
To study extra, take a look at our full evaluations of the Southwest Plus, Premier, Precedence, Premier Enterprise and Efficiency Enterprise playing cards.
Apply right here: Southwest Plus Credit score Card
Apply right here: Southwest Precedence Credit score Card
Apply right here: Southwest Premier Enterprise Credit score Card
Apply right here: Southwest Efficiency Enterprise Credit score Card
Study extra: Southwest Premier Credit score Card
Editorial disclaimer: Opinions expressed listed here are the creator’s alone, not these of any financial institution, bank card issuer, airline or lodge chain, and haven’t been reviewed, authorised or in any other case endorsed by any of those entities.
