Southwest Airways affords 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 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 just a few particular guidelines to be careful for when eyeing a Southwest bank card, relying on whether or not you need a private card or a enterprise card. This is what you want to know.
Which Southwest bank cards am I eligible for?
In the event you’re taking a look at Southwest bank cards, you may have 5 choices to select from. The airline affords three private playing cards and two enterprise playing cards.
These are the private playing cards:
And listed here are the 2 enterprise playing cards:
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Presently, the private playing cards all have a limited-time welcome provide. 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 affords.
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 maintain 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 you can observe 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 will nearly actually be rejected for a Southwest bank card should you’ve opened 5 or extra bank cards (from any issuer) throughout the previous 24 months, excluding most enterprise playing cards.Card “household” restrictions: In the event you’ve already acquired 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 possibly can’t open the cardboard should you’ve earned a welcome bonus from a Southwest private card throughout the previous 24 months.
The necessary 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 might be eligible to take action so long as you might be beneath 5/24 and meet the next guidelines:
You can’t presently have that exact bank card.You can’t have acquired a bonus on that exact bank card previously 24 months.
Making use of for private Southwest bank cards has no impression 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 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 finest plan to use for Southwest bank cards?
Assuming you may have a 5/24 slot or two to spare, the very best 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 maintain you eligible for a private Southwest card sooner or later.
As a consequence of Chase’s utility restrictions on private Southwest playing cards, it is a good suggestion to attend for the best welcome bonus obtainable or when a Companion Cross is obtainable earlier than making use of.
Associated: How you can rapidly earn the Southwest Companion Cross
Backside line
It is at all times necessary to plan your bank card functions 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 Cross plans, the identical restriction would not apply to the 2 enterprise playing cards.
To be taught extra, try our full opinions of the Southwest Plus, Premier, Precedence, Premier Enterprise and Efficiency Enterprise playing cards.
Apply right here: Southwest Plus Credit score CardApply right here: Southwest Precedence Credit score CardApply right here: Southwest Premier Enterprise Credit score CardApply right here: Southwest Efficiency Enterprise Credit score CardStudy extra: Southwest Premier Credit score Card
