Your final information to Southwest bank card eligibility

Southwest Airways presents 5 bank cards you’ll be able to apply for: three private and two enterprise ones.

Proper now, Southwest Airways’ three private bank cards all have a welcome bonus that means that you can earn the coveted Companion Cross.

With the Southwest Fast Rewards® Plus Credit score Card, Southwest Fast Rewards® Premier Credit score Card and Southwest Fast Rewards® Precedence Credit score Card, new cardholders can earn a Companion Cross (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 a couple of 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.

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 offered by the cardboard issuer.

Which Southwest bank cards am I eligible for?

When you’re Southwest bank cards, you might 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 here are the 2 enterprise playing cards:

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At the moment, the non-public playing cards all have a limited-time welcome supply. New cardholders can earn a Companion Cross (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 value at the least $405 primarily based on TPG’s February 2025 valuations, however you will get immensely extra worth with the Companion Cross thrown in.

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 value $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: Learn how to 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 may nearly definitely be rejected for a Southwest bank card for those who’ve opened 5 or extra bank cards (from any issuer) throughout the previous 24 months — excluding most enterprise playing cards.
• Card “household” restrictions: When you’ve already bought a Southwest private card, you’ll be able to’t open one other till you have canceled or product-changed your present card.
• Welcome bonus guidelines: You possibly can’t open the cardboard for those who’ve earned a welcome bonus from a Southwest private card throughout the previous 24 months.

The vital word right here is that having a Southwest enterprise bank card or worker card does not have an effect on your eligibility for private playing cards in any manner.

If you wish to apply for a enterprise card

You might be eligible to take action so long as you might be underneath 5/24 and meet the next guidelines:

• You can not presently 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 impression in your eligibility for enterprise playing cards, aside from the truth that it takes up considered one of your 5/24 slots. Extra importantly, having both Southwest enterprise bank card does 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 finest plan to use for Southwest bank cards?

Assuming you might have a 5/24 slot or two to spare, the perfect plan for most individuals can be to use for each Southwest enterprise bank cards. Doing so will not enhance 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 very best welcome bonus accessible or when a Companion Cross is obtainable earlier than making use of.

Associated: Learn how to shortly earn the Southwest Companion Cross

Backside line

Planning your bank card purposes and listening to card and issuer-specific guidelines is at all times vital. Whereas Chase’s “household restriction” on the non-public Southwest playing cards throws a wrench into many individuals’s Companion Cross plans, the identical restriction does not apply to the 2 enterprise playing cards.

To study extra, try our full critiques 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