Non-affiliate disclosure: all details about the this card have been collected independently by US Credit score Card Information and has not been reviewed by the issuer.
2025.10 Replace: The brand new supply is 85k.
2025.9 Replace: The upper supply is expired. At the moment there’s solely a 50k supply.
2025.7 Replace: This card is totally renewed, and the annual payment is elevated from $99 to $149. The welcome supply is elevated to 100k, which is the very best ever supply on this card. The brand new advantages are marked with [New] beneath.
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Advantages
- 85k supply: earn 85,000 Southwest Miles after spending $3,000 on purchases within the first 3 months. The current greatest supply is 100k.
- We worth Southwest Miles at 1.3 cents/level (Airline Miles Worth), so the 100k highest supply is value about $1,300. See A Newbie’s Information to Southwest Miles for particulars about Southwest Miles.
- [New] Earn 3x miles per greenback spent on Southwest Airways; Earn 2x miles per greenback spent at grocery shops and eating places on the primary $8,000 in mixed purchases per anniversary 12 months; Earn 1x mile per greenback spent on all different purchases.
- Obtain 6,000 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 examine their first bag at no extra price.
- [New] Most popular Seat Choice inside 48 hours previous to departure, when accessible. For those who 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 15% promo code every year in your cardmember anniversary (Excludes Primary fare).
- 2 EarlyBird Examine-In per 12 months. [New] This profit will finish on Dec 31, 2025.
- 25% again on in-flight purchases.
- For those who earn 125k Southwest miles in a 12 months, you get the Southwest companion cross certificates which is legitimate till the tip of subsequent calendar 12 months!
- [New] 10,000 companion Go qualifying factors enhance every year.
- Earn 1,500 TQPs (tier qualifying factors, helpful in direction of A-Record standing, however not helpful in direction of companion cross) for each $5,000 spent.
- No international transaction payment.
- Refer a pal (focused): You’ll be able to earn 5,000 bonus Southwest miles for each authorised account you refer, as much as a most of 10 authorised referrals (50,000 Southwest miles) per calendar 12 months.
Disadvantages
- [New] Annual payment $149, not waived first 12 months.
- Southwest doesn’t have airways companions, so the miles can solely be redeemed for Southwest Airways itself. Southwest can solely fly to the US and a few central America and Caribbean nations, no additional worldwide routes.
Advisable Software Time
- [5/24 Rule] In case you have 5 or extra new accounts opened up to now 24 months, Chase is not going to approve your utility on this card, regardless of how excessive your credit score rating is. The variety of new accounts consists of all bank card accounts, not solely Chase accounts. See this publish for particulars about methods to probably bypass this rule.
- This product is on the market to you in case you should not have any Southwest private bank card and haven’t obtained a brand new cardmember bonus for any Southwest private bank card up to now 24 months. Be aware 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, or it’s extremely probably that you’re going to get rejected.
- We suggest you to use for this card after you will have a credit score historical past for greater than a 12 months.
Abstract
The welcome bonus is stable. 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 Go straight away. (Be aware: You’ll be able to not apply for 2 private Southwest playing cards throughout the identical 12 months.) For those who solely apply for a private card and skip the enterprise card, it’s really fairly onerous to earn the Companion Go. Because the Companion Go is legitimate for the rest of the 12 months you earn it plus all the following 12 months, making use of early within the calendar 12 months provides you the longest doable validity. So in case you’re eyeing Southwest, the start of the 12 months is the very best time to go for it.
At the moment, you’ll be able to solely maintain one of many three private Southwest playing cards. For those who 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 greatest wager.
After the 2025 refresh and annual payment will increase throughout the Southwest lineup, there’s actually not a lot long-term worth in conserving 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 principally pressure 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.
Advisable Downgrade Choices
- You can’t downgrade this card to any card with no annual payment, so I counsel you shut it if you don’t wish to preserve it any longer.
After Making use of
- Name 800-436-7927 to examine Chase utility standing. That is an automatic phone line, and the knowledge has the next meanings: Obtain resolution in 2 weeks means your utility might be authorised; 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.
- Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it in case you didn’t get approve instantly. Your private info might be acquired and they’ll then overview it. You seldom reply questions, as a substitute, simply benefit from the music and you then get authorised or rejected, or additional info is required to be hand in to the department or faxed.
Historic Affords Chart
Be aware: Typically there’s 50k+50k supply on this card. However the spending requirement for the latter 50k is large, so we don’t deal with them as sign-up bonus, we deal with them as spending bonus as a substitute.
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