Southwest Airways provides 5 bank cards you may apply for: three private and two enterprise ones.
With the Southwest Rapid Rewards® Plus Credit Card (see rates and fees), Southwest Rapid Rewards® Premier Credit Card and Southwest Rapid Rewards® Priority Credit Card (see rates and fees), new cardholders can earn 100,000 bonus factors after spending $4,000 on purchases within the first 5 months from account opening.
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 supplied by the cardboard issuer.
There are a couple of particular guidelines to be careful for when eyeing a Southwest credit card, relying on whether or not you need a private card or a enterprise card. Here is what you should know.
Which Southwest bank cards am I eligible for?
In the event you’re taking a look at Southwest credit cards, you may have 5 choices to select from. The airline provides three private playing cards and two enterprise playing cards.
These are the private playing cards:
And listed below are the 2 enterprise playing cards:
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Presently, the private playing cards all have a limited-time welcome offer. 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 provides.
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 hold the appliance course of comparatively easy by treating all private playing cards equally and setting two easy guidelines for the enterprise playing cards.
Associated: How to track your progress toward a credit 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 may nearly actually be rejected for a Southwest bank card if you happen to’ve opened 5 or extra bank cards (from any issuer) throughout the previous 24 months, excluding most business cards.
- Card “household” restrictions: In the event you’ve already acquired a Southwest private card, you may’t open one other till you have canceled or product-changed your present card.
- Welcome bonus guidelines: You may’t open the cardboard if you happen to’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 doesn’t have an effect on your eligibility for private playing cards.
If you wish to apply for a enterprise card
You’re eligible to take action so long as you’re under 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 up to now 24 months.
Making use of for private Southwest bank cards has no affect in your eligibility for enterprise playing cards, aside from the truth that it takes up certainly one of your 5/24 slots. Extra importantly, having both Southwest business credit card does not have an effect on your eligibility for the opposite Southwest enterprise card.
Associated: Southwest Performance vs. Premier: Which Rapid Rewards business credit card is right for you?
What’s the finest plan to use for Southwest bank cards?
Assuming you may have a 5/24 slot or two to spare, the most effective plan for most individuals could be to use for each Southwest business credit cards. Doing so will not enhance your 5/24 rely and can hold you eligible for a private Southwest card sooner or later.
Resulting from Chase’s software restrictions on private Southwest playing cards, it is a good suggestion to attend for the highest welcome bonus out there or when a Companion Go is obtainable earlier than making use of.
Associated: How to quickly earn the Southwest Companion Pass
Backside line
It is at all times essential to plan your bank card purposes 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 Go plans, the identical restriction does not apply to the 2 enterprise playing cards.
To study extra, try our full critiques of the Southwest Plus, Premier, Priority, Premier Business and Performance Business playing cards.
Apply right here: Southwest Plus Credit Card
Apply right here: Southwest Priority Credit Card
Apply right here: Southwest Premier Business Credit Card
Apply right here: Southwest Performance Business Credit Card
Be taught extra: Southwest Premier Credit Card
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