Southwest Airways presents 5 bank cards you may apply for: three private and two enterprise ones.
With the Southwest Fast Rewards® Plus Credit score Card (see charges and charges), Southwest Fast Rewards® Premier Credit score Card and Southwest Fast Rewards® Precedence Credit score Card (see charges and charges), 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 just a few 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 it is advisable know.
Which Southwest bank cards am I eligible for?
If you happen to’re taking a look at Southwest bank cards, you could have 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:
Every day Publication
Reward your inbox with the TPG Every day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Presently, the non-public playing cards all have a limited-time welcome supply. 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, based mostly on TPG’s August 2025 valuations.
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.
Based on our valuations, these welcome bonuses are price $1,080 and $810, respectively.
Chase and Southwest preserve the applying course of comparatively easy by treating all private playing cards equally and setting two easy guidelines for the enterprise playing cards.
Associated: The way to monitor your progress towards a bank 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 virtually actually be rejected for a Southwest bank card for those who’ve opened 5 or extra bank cards (from any issuer) inside the previous 24 months, excluding most enterprise playing cards.
- Card “household” restrictions: If you happen to’ve already bought a Southwest private card, you may’t open one other till you’ve got canceled or product-changed your present card.
- Welcome bonus guidelines: You’ll be able to’t open the cardboard for those who’ve earned a welcome bonus from a Southwest private card inside the previous 24 months.
The vital observe 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’re beneath 5/24 and meet the next guidelines:
- You can not at present have that specific bank card.
- You can not have obtained a bonus on that specific 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 among 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 Fast Rewards enterprise bank card is best for you?
What’s the greatest plan to use for Southwest bank cards?
Assuming you could have a 5/24 slot or two to spare, the most effective plan for most individuals can be to use for each Southwest enterprise bank cards. Doing so will not improve your 5/24 depend and can preserve you eligible for a private Southwest card sooner or later.
On account of Chase’s software restrictions on private Southwest playing cards, it is a good suggestion to attend for the highest welcome bonus accessible or when a Companion Move is obtainable earlier than making use of.
Associated: The way to rapidly earn the Southwest Companion Move
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 Move 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, 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
