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2025.10 Replace: The brand new supply is 85k.

2025.9 Replace: The upper supply is expired. At present there’s solely a 50k supply.

2025.7 Replace: This card is totally renewed, and the annual price is elevated from $69 to $99. The welcome supply is elevated to 100k, which is one of the best ever supply on this card. The brand new advantages are marked with [New] under.

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Advantages

1. 85k supply: earn 85,000 Southwest Miles after spending $3,000 on purchases within the first 3 months. The current finest supply is 100k.
2. We worth Southwest Miles at 1.3 cents/level (Airline Miles Worth), so the 100k highest supply is value about $1,300. See A Newbie’s Information to Southwest Miles for particulars about Southwest Miles.
3. [New] Earn 2x miles per greenback spent on Southwest Airways; Earn 2x miles per greenback spent at fuel stations and grocery shops on the primary $5,000 in mixed purchases per anniversary 12 months; Earn 1x mile per greenback spent on all different purchases.
4. Obtain 3,000 Southwest Miles yearly in your Cardmember anniversary.
5. [New] First checked bag free. Cardmembers and as much as 8 further passengers in the identical reservation can test their first bag at no further value.
6. [New] Normal Seat Choice inside 48 hours previous to departure, when out there. When you don’t have a co-branded bank card or elite standing, the bottom fare on Southwest solely lets you choose your seat at check-in.
7. [New] Cardmembers and as much as 8 passengers in the identical reservation will board with Group 5.
8. [New]  Obtain a ten% promo code every year in your cardmember anniversary (Excludes Fundamental fare).
9. 2 EarlyBird Test-In per 12 months. [New] This profit will finish on Dec 31, 2025.
10. 25% again on in-flight purchases.
11. When you earn 125k Southwest miles in a 12 months, you get the Southwest companion move certificates which is legitimate till the top of subsequent calendar 12 months!
12. [New] 10,000 companion Move qualifying factors increase every year.
13. [New] No overseas transaction price.
14. Refer a pal (focused): You’ll be able to earn 5,000 bonus Southwest miles for each accepted account you refer, as much as a most of 10 accepted referrals (50,000 Southwest miles) per calendar 12 months.

Disadvantages

1. [New] Annual price $99, not waived first 12 months.
2. Southwest doesn’t have airways companions, so the miles can solely be redeemed for flights on Southwest Airways itself. Southwest solely flies domestically throughout the USA and to/from Mexico, Central America, and the Caribbean.

Really useful Software Time

1. [5/24 Rule] In case you have 5 or extra new accounts opened previously 24 months, Chase won’t approve your utility for this card, regardless of how excessive your credit score rating is. The variety of new accounts consists of all bank card accounts open over 24 months, not solely Chase accounts. See this put up for particulars about the right way to probably bypass this rule.
2. This product is obtainable to you if you happen to would not have any Southwest private bank card and haven’t obtained a brand new cardmember bonus for any Southwest private bank card previously 24 months. Observe that what issues right here is the time you bought the sign-up bonus, not the time you open the account or shut the account.
3. Don’t apply for greater than 2 Chase bank cards inside 30 days.
4. We advocate you to use for this card after you’ve a credit score historical past of greater than a 12 months.

Abstract

The welcome bonus is strong. When the bonuses are at their peak, making use of for one private and one enterprise Southwest card collectively can earn you over 125k Southwest factors—sufficient to unlock the Companion Move immediately. (Observe: You’ll be able to not apply for 2 private Southwest playing cards throughout the identical 12 months.) When you solely apply for a private card and skip the enterprise card, it’s really fairly arduous to earn the Companion Move. Because the Companion Move is legitimate for the rest of the 12 months you earn it plus your entire following 12 months, making use of early within the calendar 12 months offers you the longest potential validity. So if you happen to’re eyeing Southwest, the start of the 12 months is one of the best time to go for it.

At present, you’ll be able to solely maintain one of many three private Southwest playing cards. When you don’t fly Southwest typically and are simply in it for the signup bonus, the Southwest Plus card—with the bottom annual price—is your finest guess.

After the 2025 refresh and annual price will increase throughout the Southwest lineup, there’s actually not a lot long-term worth in conserving these playing cards. They’re principally simply good for the welcome bonus.

Associated Credit score Playing cards

The present phrases pressure you to decide on just one private Southwest bank card among the many three. However you’ll be able to have each private and enterprise playing cards.

Really useful Downgrade Choices

• You can’t downgrade this card to any card with no annual price, so I recommend you shut it while you don’t wish to maintain it any longer.

After Making use of

• Name 800-436-7927 to test Chase utility standing. That is an automatic phone line, and the response from the automated line will probably be one of many following: Obtain choice in 2 weeks means your utility might be accepted; Obtain choice in 7-10 days means your utility might be rejected; Obtain choice in 30 days merely means your utility requires additional evaluation and there’s nothing to let you know for now. Observe that is all anecdotal, and your utility might change from one standing to a different all through the applying course of.
• Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it if you happen to didn’t get instantly accepted.

Historic Gives Chart

Observe: Typically there’s 50k+50k supply on this card. However the spending requirement for the latter 50k is large, so we don’t deal with them as sign-up bonus, we deal with them as spending bonus as an alternative.

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