Non-affiliate disclosure: all details about the this card have been collected independently by US Credit score Card Information and has not been reviewed by the issuer.

2025.10 Replace: The brand new supply is 85k.

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

2025.7 Replace: This card is totally renewed, and the annual charge is elevated from $99 to $149. The welcome supply is elevated to 100k, which is the very best ever supply on this card. The brand new advantages are marked with [New] beneath.

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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 greatest 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 3x miles per greenback spent on Southwest Airways; Earn 2x miles per greenback spent at grocery shops and eating places on the primary $8,000 in mixed purchases per anniversary yr; Earn 1x mile per greenback spent on all different purchases.
4. Obtain 6,000 Southwest Miles yearly in your Cardmember anniversary.
5. [New] First checked bag free. Cardmembers and as much as 8 extra passengers in the identical reservation can test their first bag at no extra price.
6. [New] Most well-liked Seat Choice inside 48 hours previous to departure, when obtainable. Should 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 15% promo code every year in your cardmember anniversary (Excludes Primary fare).
9. 2 EarlyBird Examine-In per yr. [New] This profit will finish on Dec 31, 2025.
10. 25% again on in-flight purchases.
11. Should you earn 125k Southwest miles in a yr, you get the Southwest companion move certificates which is legitimate till the top of subsequent calendar yr!
12. [New] 10,000 companion Cross qualifying factors enhance every year.
13. Earn 1,500 TQPs (tier qualifying factors, helpful in direction of A-Listing standing, however not helpful in direction of companion move) for each $5,000 spent.
14. No international transaction charge.
15. Refer a good friend (focused): You possibly can earn 5,000 bonus Southwest miles for each accredited account you refer, as much as a most of 10 accredited referrals (50,000 Southwest miles) per calendar yr.

Disadvantages

1. [New] Annual charge $149, not waived first yr.
2. Southwest doesn’t have airways companions, so the miles can solely be redeemed for Southwest Airways itself. Southwest can solely fly to the US and a few central America and Caribbean nations, no additional worldwide routes.

Beneficial Software Time

1. [5/24 Rule] If in case you have 5 or extra new accounts opened up to now 24 months, Chase is not going to approve your software on this card, irrespective of how excessive your credit score rating is. The variety of new accounts consists of all bank card accounts, not solely Chase accounts. See this put up for particulars about presumably bypass this rule.
2. This product is out there to you should you don’t have any Southwest private bank card and haven’t obtained a brand new cardmember bonus for any Southwest private bank card up to now 24 months. Be aware 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, or it’s extremely possible that you’re going to get rejected.
4. We advocate you to use for this card after you will have a credit score historical past for greater than a yr.

Abstract

The welcome bonus is stable. 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 Cross straight away. (Be aware: You possibly can now not apply for 2 private Southwest playing cards throughout the similar yr.) Should you solely apply for a private card and skip the enterprise card, it’s really fairly laborious to earn the Companion Cross. For the reason that Companion Cross is legitimate for the rest of the yr you earn it plus all the following yr, making use of early within the calendar yr provides you the longest doable validity. So should you’re eyeing Southwest, the start of the yr is the very best time to go for it.

Presently, you’ll be able to solely maintain one of many three private Southwest playing cards. Should you don’t fly Southwest usually and are simply in it for the signup bonus, the Southwest Plus card—with the bottom annual charge—is your greatest guess.

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

Associated Credit score Playing cards

The present phrases mainly 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.

Beneficial Downgrade Choices

• You can’t downgrade this card to any card with no annual charge, so I counsel you shut it once you don’t need to maintain it any longer.

After Making use of

• Name 800-436-7927 to test Chase software standing. That is an automatic phone line, and the data has the next meanings: Obtain choice in 2 weeks means your software might be accredited; Obtain choice in 7-10 days means your software might be rejected; Obtain choice in 30 days merely means your software requires additional overview and there’s nothing to let you know for now.
• Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it should you didn’t get approve instantly. Your private data will probably be acquired and they’ll then overview it. You seldom reply questions, as a substitute, simply benefit from the music and you then get accredited or rejected, or additional data is required to be hand in to the department or faxed.

Historic Provides Chart

Be aware: 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 a substitute.

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