Southwest Airways gives 5 bank cards you possibly can apply for: three private and two enterprise ones.
With the Southwest Speedy Rewards® Plus Credit score Card (see charges and charges), Southwest Speedy Rewards® Premier Credit score Card and Southwest Speedy 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 Speedy 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 a number of 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 is advisable know.
Which Southwest bank cards am I eligible for?
If you happen to’re Southwest bank cards, you may have 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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Presently, the non-public 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 value $1,350, primarily based on TPG’s August 2025 valuations.
The 2 enterprise playing cards have totally 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.
In response to our valuations, these welcome bonuses are value $1,080 and $810, respectively.
Chase and Southwest maintain the applying course of comparatively easy by treating all private playing cards equally and setting two easy guidelines for the enterprise playing cards.
Associated: Tips on how 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 will nearly definitely 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 acquired 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 possibly can’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 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’re below 5/24 and meet the next guidelines:
- You can’t at present have that specific bank card.
- You can’t have obtained a bonus on that specific bank card up to now 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 Speedy Rewards enterprise bank card is best for you?
What’s the greatest plan to use for Southwest bank cards?
Assuming you may 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 enhance your 5/24 rely and can maintain you eligible for a private Southwest card sooner or later.
Resulting from Chase’s software restrictions on private Southwest playing cards, it is a good suggestion to attend for the highest welcome bonus obtainable or when a Companion Move is obtainable earlier
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