Southwest Airways gives 5 bank cards you possibly can apply for: three private and two enterprise ones.
Proper now, Southwest Airways’ three private bank cards all have a welcome bonus that permits you to earn the coveted Companion Go.
With the Southwest Speedy Rewards® Plus Credit score Card, Southwest Speedy Rewards® Premier Credit score Card and Southwest Speedy Rewards® Precedence Credit score Card, new cardholders can earn a Companion Go (good by Feb. 28, 2026) and 30,000 bonus factors after spending $4,000 on purchases within the first three months from account opening. This limited-time supply ends March 31.
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 it’s worthwhile to know.
The data for the Southwest Speedy Rewards Premier has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Which Southwest bank cards am I eligible for?
If you happen to’re Southwest bank cards, you have got 5 choices to select from. The airline gives 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:
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At present, the non-public playing cards all have a limited-time welcome supply. New cardholders can earn a Companion Go (expires Feb 28, 2026) and 30,000 bonus factors after spending $4,000 within the first months of account opening. This supply ends on March 31.
This bonus is price at the least $405 primarily based on TPG’s February 2025 valuations, however you may get immensely extra worth with the Companion Go thrown in.
The 2 enterprise playing cards have completely different welcome gives.
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 hold the applying course of comparatively easy by treating all private playing cards equally and setting two easy guidelines for the enterprise playing cards.
Associated: How one 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 in the event you’ve opened 5 or extra bank cards (from any issuer) throughout the previous 24 months — excluding most enterprise playing cards.
- Card “household” restrictions: If you happen to’ve already received 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’ll be able to’t open the cardboard in the event you’ve earned a welcome bonus from a Southwest private card throughout the previous 24 months.
The necessary observe right here is that having a Southwest enterprise bank card or worker card would not have an effect on your eligibility for private playing cards in any approach.
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 at present have that individual bank card.
- You can’t have acquired a bonus on that individual 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 Southwest enterprise bank card is best for you?
What’s the greatest 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 enterprise bank cards. Doing so will not enhance your 5/24 rely and can hold 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 highest welcome bonus accessible or when a Companion Go is obtainable earlier than making use of.
Associated: How one can rapidly earn the Southwest Companion Go
Backside line
Planning your bank card purposes and taking note of card and issuer-specific guidelines is all the time necessary. Whereas Chase’s “household restriction” on the non-public Southwest playing cards throws a wrench into many individuals’s Companion Go plans, the identical restriction would not apply to the 2 enterprise playing cards.
To study extra, try 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
Be taught extra: Southwest Premier Credit score Card