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 provide is 85k.
2025.9 Replace: The upper provide is expired. At the moment there’s solely a 50k provide.
2025.7 Replace: This card is totally renewed, and the annual charge is elevated from $99 to $149. The welcome provide is elevated to 100k, which is the perfect ever provide on this card. The brand new advantages are marked with [New] under.
Utility Hyperlink
Advantages
- 85k provide: earn 85,000 Southwest Miles after spending $3,000 on purchases within the first 3 months. The current finest provide is 100k.
- We worth Southwest Miles at 1.3 cents/level (Airline Miles Value), so the 100k highest provide is value about $1,300. See A Beginner’s Guide to Southwest Miles for particulars about Southwest Miles.
- [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 12 months; Earn 1x mile per greenback spent on all different purchases.
- Obtain 6,000 Southwest Miles yearly in your Cardmember anniversary.
- [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 value.
- [New] Most popular Seat Choice inside 48 hours previous to departure, when out there. In the event 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.
- [New] Cardmembers and as much as 8 passengers in the identical reservation will board with Group 5.
- [New] Obtain a 15% promo code annually in your cardmember anniversary (Excludes Fundamental fare).
- 2 EarlyBird Test-In per 12 months. [New] This profit will finish on Dec 31, 2025.
- 25% again on in-flight purchases.
- In the event you earn 125k Southwest miles in a 12 months, you get the Southwest companion go certificates which is legitimate till the tip of subsequent calendar 12 months!
- [New] 10,000 companion Go qualifying factors enhance annually.
- Earn 1,500 TQPs (tier qualifying factors, helpful in the direction of A-Record standing, however not helpful in the direction of companion go) for each $5,000 spent.
- No international transaction charge.
- Refer a good friend (focused): You possibly can 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
- [New] Annual charge $149, not waived first 12 months.
- 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 international locations, no additional worldwide routes.
Beneficial Utility Time
- [5/24 Rule] When you have 5 or extra new accounts opened previously 24 months, Chase is not going to approve your utility on this card, regardless of how excessive your credit score rating is. The variety of new accounts contains all bank card accounts, not solely Chase accounts. See this post for particulars about how one can probably bypass this rule.
- This product is obtainable to you when you don’t have any Southwest private bank card and haven’t acquired a brand new cardmember bonus for any Southwest private bank card previously 24 months. Word 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.
- Don’t apply for greater than 2 Chase bank cards inside 30 days, or it’s extremely probably that you’re going to get rejected.
- We advocate you to use for this card after you may have a credit score historical past for 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 Go straight away. (Word: You possibly can not apply for 2 private Southwest playing cards inside the similar 12 months.) In the event you solely apply for a private card and skip the enterprise card, it’s truly fairly arduous to earn the Companion Go. For the reason that Companion Go is legitimate for the rest of the 12 months you earn it plus the whole following 12 months, making use of early within the calendar 12 months provides you the longest attainable validity. So when you’re eyeing Southwest, the start of the 12 months is the perfect time to go for it.
At the moment, you’ll be able to solely maintain one of many three private Southwest playing cards. In the event 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 finest wager.
After the 2025 refresh and annual charge will increase throughout the Southwest lineup, there’s actually not a lot long-term worth in holding these playing cards. They’re largely simply good for the welcome bonus.
Associated Credit score Playing cards
| Chase Southwest Plus | Chase Southwest Premier | Chase Southwest Precedence | Chase Southwest Premier Enterprise | Chase Southwest Efficiency Enterprise | |
|---|---|---|---|---|---|
| Annual Price | $99 | $149 | $229 | $149 | $299 |
| Annual Miles | 3,000 | 6,000 | 7,500 | 6,000 | 9,000 |
The present phrases mainly drive 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 recommend you shut it once you don’t wish to hold it any longer.
After Making use of
- Name 800-436-7927 to test Chase utility standing. That is an automatic phone line, and the knowledge has the next meanings: Obtain resolution in 2 weeks means your utility might be accepted; Obtain resolution in 7-10 days means your utility might be rejected; Obtain resolution in 30 days merely means your utility requires additional evaluate and there’s nothing to inform you for now.
- Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it when you didn’t get approve instantly. Your private data will likely be acquired and they’ll then evaluate it. You seldom reply questions, as a substitute, simply benefit from the music and you then get accepted or rejected, or additional data is required to be hand in to the department or faxed.
Historic Provides Chart
Word: Generally there may be 50k+50k provide 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.
