Southwest Airways presents 5 bank cards you possibly can 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 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 credit card, relying on whether or not you desire a private card or a enterprise card. This is what you’ll want to know.
Which Southwest bank cards am I eligible for?
For those who’re taking a look at Southwest credit cards, you have got 5 choices to select from. The airline presents three private playing cards and two enterprise playing cards.
These are the non-public playing cards:
And listed below are the 2 enterprise playing cards:
Each day Publication
Reward your inbox with the TPG Each day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
At the moment, the non-public 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 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 line with 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 might be eligible to take action so long as you abide by the next standards:
- The Chase 5/24 rule: You may nearly definitely be rejected for a Southwest bank card in case you’ve opened 5 or extra bank cards (from any issuer) inside the previous 24 months, excluding most business cards.
- Card “household” restrictions: For those who’ve already obtained 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 possibly can’t open the cardboard in case you’ve earned a welcome bonus from a Southwest private card inside the previous 24 months.
The vital word 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 might be under 5/24 and meet the next guidelines:
- You can not at the moment have that individual bank card.
- You can not have acquired a bonus on that individual bank card previously 24 months.
Making use of for private Southwest bank cards has no influence in your eligibility for enterprise playing cards, apart from the truth that it takes up one in all your 5/24 slots. Extra importantly, having both Southwest business credit card would 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 have got a 5/24 slot or two to spare, the very best 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.
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 Cross is obtainable earlier than making use of.
Associated: How to quickly earn the Southwest Companion Pass
Backside line
It is at all times vital to plan your bank card functions and take note of card and issuer-specific guidelines.
Whereas Chase’s “household restriction” on the non-public Southwest playing cards throws a wrench into many individuals’s Companion Cross plans, the identical restriction would not apply to the 2 enterprise playing cards.
To study extra, take a look at our full evaluations 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
Study extra: Southwest Premier Credit Card
Trending Merchandise
