Southwest Airways presents 5 bank cards you possibly can apply for: three private and two enterprise ones.
Proper now, Southwest Airways’ three private bank cards all have a welcome bonus that means that you can earn the coveted Companion Go.
With the Southwest Fast Rewards® Plus Credit score Card, Southwest Fast Rewards® Premier Credit score Card and Southwest Fast Rewards® Precedence Credit score Card, new cardholders can earn a Companion Go (good by way of Feb. 28, 2026) and 30,000 bonus factors after spending $4,000 on purchases within the first three months from account opening. This limited-time provide ends March 31.
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. This is what you could know.
The data 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 offered by the cardboard issuer.
Which Southwest bank cards am I eligible for?
If you happen to’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:
And listed here are the 2 enterprise playing cards:
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Presently, the private playing cards all have a limited-time welcome provide. New cardholders can earn a Companion Go (expires Feb 28, 2026) and 30,000 bonus factors after spending $4,000 within the first months of account opening. This provide ends on March 31.
This bonus is price not less than $405 based mostly on TPG’s February 2025 valuations, however you will get immensely extra worth with the Companion Go thrown in.
The 2 enterprise playing cards have completely 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.
In response to our valuations, these welcome bonuses are price $1,080 and $810, respectively.
Chase and Southwest maintain the applying course of comparatively easy by treating all private playing cards equally and setting two easy guidelines for the enterprise playing cards.
Associated: Easy methods to observe your progress towards a bank card welcome bonus
If you wish to apply for a private card
You’re eligible to take action so long as you abide by the next standards:
- The Chase 5/24 rule: You will nearly actually be rejected for a Southwest bank card when you’ve opened 5 or extra bank cards (from any issuer) throughout the previous 24 months — excluding most enterprise playing cards.
- Card “household” restrictions: If you happen to’ve already bought a Southwest private card, you possibly can’t open one other till you have canceled or product-changed your present card.
- Welcome bonus guidelines: You may’t open the cardboard when you’ve earned a welcome bonus from a Southwest private card throughout the previous 24 months.
The essential notice right here is that having a Southwest enterprise bank card or worker card would not have an effect on your eligibility for private playing cards in any method.
If you wish to apply for a enterprise card
You’re eligible to take action so long as you’re below 5/24 and meet the next guidelines:
- You can’t at present have that individual bank card.
- You can’t have acquired a bonus on that individual bank card prior to now 24 months.
Making use of for private Southwest bank cards has no influence in your eligibility for enterprise playing cards, aside from the truth that it takes up one in every of your 5/24 slots. Extra importantly, having both Southwest enterprise bank card would not have an effect on your eligibility for the opposite Southwest enterprise card.
Associated: Southwest Efficiency vs. Premier: Which Southwest enterprise bank card is best for you?
What’s the finest plan to use for Southwest bank cards?
Assuming you’ve a 5/24 slot or two to spare, one of the best plan for most individuals can be to use for each Southwest enterprise bank cards. Doing so will not enhance your 5/24 depend and can maintain you eligible for a private Southwest card sooner or later.
Because of Chase’s utility restrictions on private Southwest playing cards, it is a good suggestion to attend for the highest welcome bonus obtainable or when a Companion Go is obtainable earlier than making use of.
Associated: Easy methods to rapidly earn the Southwest Companion Go
Backside line
Planning your bank card purposes and being attentive to card and issuer-specific guidelines is at all times essential. Whereas Chase’s “household restriction” on the private Southwest playing cards throws a wrench into many individuals’s Companion Go plans, the identical restriction would not apply to the 2 enterprise playing cards.
To be taught extra, try 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
