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2025.10 Replace: The brand new supply is 85k.
2025.9 Replace: The upper supply is expired. At present there’s solely a 50k supply.
2025.7 Replace: This card is totally renewed, and the annual payment is elevated from $69 to $99. The welcome supply is elevated to 100k, which is the most effective ever supply on this card. The brand new advantages are marked with [New] under.
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Advantages
- 85k supply: earn 85,000 Southwest Miles after spending $3,000 on purchases within the first 3 months. The latest finest supply is 100k.
- We worth Southwest Miles at 1.3 cents/level (Airline Miles Worth), so the 100k highest supply is price about $1,300. See A Newbie’s Information to Southwest Miles for particulars about Southwest Miles.
- [New] Earn 2x miles per greenback spent on Southwest Airways; Earn 2x miles per greenback spent at gasoline stations and grocery shops on the primary $5,000 in mixed purchases per anniversary yr; Earn 1x mile per greenback spent on all different purchases.
- Obtain 3,000 Southwest Miles yearly in your Cardmember anniversary.
- [New] First checked bag free. Cardmembers and as much as 8 extra passengers in the identical reservation can verify their first bag at no extra value.
- [New] Normal Seat Choice inside 48 hours previous to departure, when obtainable. When you don’t have a co-branded bank card or elite standing, the bottom fare on Southwest solely lets you choose your seat at check-in.
- [New] Cardmembers and as much as 8 passengers in the identical reservation will board with Group 5.
- [New] Obtain a ten% promo code annually in your cardmember anniversary (Excludes Primary fare).
- 2 EarlyBird Verify-In per yr. [New] This profit will finish on Dec 31, 2025.
- 25% again on in-flight purchases.
- When you earn 125k Southwest miles in a yr, you get the Southwest companion move certificates which is legitimate till the top of subsequent calendar yr!
- [New] 10,000 companion Move qualifying factors enhance annually.
- [New] No overseas transaction payment.
- Refer a pal (focused): You possibly can earn 5,000 bonus Southwest miles for each permitted account you refer, as much as a most of 10 permitted referrals (50,000 Southwest miles) per calendar yr.
Disadvantages
- [New] Annual payment $99, not waived first yr.
- Southwest doesn’t have airways companions, so the miles can solely be redeemed for flights on Southwest Airways itself. Southwest solely flies domestically inside the USA and to/from Mexico, Central America, and the Caribbean.
Beneficial Software Time
- [5/24 Rule] When you have 5 or extra new accounts opened previously 24 months, Chase is not going to approve your utility for this card, irrespective of how excessive your credit score rating is. The variety of new accounts contains all bank card accounts open over 24 months, not solely Chase accounts. See this submit for particulars about the way to probably bypass this rule.
- This product is obtainable to you in the event you wouldn’t have any Southwest private bank card and haven’t obtained a brand new cardmember bonus for any Southwest private bank card previously 24 months. Word that what issues right here is the time you bought the sign-up bonus, not the time you open the account or shut the account.
- Don’t apply for greater than 2 Chase bank cards inside 30 days.
- We advocate you to use for this card after you may have a credit score historical past of greater than a yr.
Abstract
The welcome bonus is strong. When the bonuses are at their peak, making use of for one private and one enterprise Southwest card collectively can earn you over 125k Southwest factors—sufficient to unlock the Companion Move immediately. (Word: You possibly can now not apply for 2 private Southwest playing cards inside the similar yr.) When you solely apply for a private card and skip the enterprise card, it’s really fairly laborious to earn the Companion Move. For the reason that Companion Move is legitimate for the rest of the yr you earn it plus the whole following yr, making use of early within the calendar yr provides you the longest attainable validity. So in the event you’re eyeing Southwest, the start of the yr is the most effective time to go for it.
At present, you’ll be able to solely maintain one of many three private Southwest playing cards. When you don’t fly Southwest usually and are simply in it for the signup bonus, the Southwest Plus card—with the bottom annual payment—is your finest guess.
After the 2025 refresh and annual payment will increase throughout the Southwest lineup, there’s actually not a lot long-term worth in retaining these playing cards. They’re principally simply good for the welcome bonus.
Associated Credit score Playing cards
| Chase Southwest Plus | Chase Southwest Premier | Chase Southwest Precedence | Chase Southwest Premier Enterprise | Chase Southwest Efficiency Enterprise | |
|---|---|---|---|---|---|
| Annual Charge | $99 | $149 | $229 | $149 | $299 |
| Annual Miles | 3,000 | 6,000 | 7,500 | 6,000 | 9,000 |
The present phrases power you to decide on just one private Southwest bank card among the many three. However you’ll be able to have each private and enterprise playing cards.
Beneficial Downgrade Choices
- You cannot downgrade this card to any card with no annual payment, so I recommend you shut it if you don’t need to maintain it any longer.
After Making use of
- Name 800-436-7927 to verify Chase utility standing. That is an automatic phone line, and the response from the automated line might be one of many following: Obtain resolution in 2 weeks means your utility might be permitted; Obtain resolution in 7-10 days means your utility might be rejected; Obtain resolution in 30 days merely means your utility requires additional overview and there’s nothing to inform you for now. Word that is all anecdotal, and your utility could swap from one standing to a different all through the appliance course of.
- Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it in the event you didn’t get instantly permitted.
Historic Affords Chart
Word: Generally there’s 50k+50k supply on this card. However the spending requirement for the latter 50k is big, so we don’t deal with them as sign-up bonus, we deal with them as spending bonus as an alternative.
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