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Earn up to 80,000 Points to Fly Free With Southwest Credit Card Offers

One of the BEST ways to fly free is to take advantage of travel credit cards and getting a Southwest credit card is the FIRST step I recommend if you want to fly your entire family free.

Applying for a Southwest credit card and meeting the minimum spend lets you earn a SIGNIFICANT number of points (we’re talking 40,000-80,000 points!) after you meet a low minimum spend in the first 3-6 months.

It’s much better to earn tens of thousands of points with a $1,000-$5,000 minimum spend than to earn the card’s typical 1 point per dollar you spend on the card.

Keep reading to learn about your Southwest credit card options and their current offers…
 

 Thanks for using the links in this post or by clicking on CREDIT CARDS in the main menu above (shown in the image below) to review and apply for any credit cards. This allows us to earn a commission, at NO COST TO YOU, to support our small business! Thank you!

 

 

About Southwest Credit Cards

Southwest credit card Hawaii

Southwest Airlines offers 5 Southwest credit cards to earn Southwest points, which you can use for FREE travel on the airline.

You can choose from 3 Southwest credit cards for personal use and 2 Southwest credit cards for business. 

These cards typically offer a 40,000 to 100,000-point bonus after you meet the minimum required spend within three months.

Southwest’s frequent flyer program is called Rapid Rewards, and they track points instead of miles.

If you apply for two cards when each has a 40,000- to 100,000-point bonus, you either immediately can earn the coveted Southwest Companion Pass or you’ll come darn close :). 

Your options are either:

  • 1 personal and 1 business card OR
  • 2 business cards (as you can hold BOTH business cards but not more than 1 personal card; see rules below)
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1 person can ALWAYS fly free with you on Southwest? My FREE ebook shows you how...

 

What You Need to Know Before Applying for a Southwest Credit Card

Southwest Business card

 

Here are some rules you should know and understand BEFORE applying for ANY Southwest credit cards

  • You can only hold ONE personal Southwest card at a time.
  • You can only earn the bonus on ANY personal Southwest card ONCE every 24 months, so if you’ve earned a bonus on ANY personal Southwest card in the last 24 months, you will not be eligible for this offer. But instead, consider having a spouse or loved one take advantage!
  • You can hold BOTH business cards (which is different than the personal card rule)
  • Chase will not approve you for ANY card if you have opened 5 or more new cards of ANY type in the last 24 months (excluding Chase, AMEX, Wells Fargo, Bank of America and Citi business cards). This is Chase’s notorious 5/24 rule.
  • Chase will not approve you if you apply for more than one of their cards within 30 days. There may be an exception to this if you bank with Chase and go into a branch to apply. Additionally, some of our readers have reported success applying for 2 Chase cards in one day (the theory being there is not time for Chase to note you’ve already applied for 1 of their cards). I have not personally tried this.

Remember all of these points, in addition to qualifying toward the Southwest Companion Pass, also may be used for free travel anywhere Southwest flies!

 

 

Southwest Credit Card Options

Here are your Southwest personal credit card options…

1. Southwest Rapid Rewards Priority Credit Card

 

Southwest Priority Card

I recommend this card if you fly Southwest at least 2-3 times per year, as the benefits are outstanding!

Read my FULL REVIEW of this card and see my top 10 reasons to get a Southwest Priority Card.

Bonus Offer: Earn 40,000 points after $1,000 minimum spend in 3 months 

End Date: None

Annual Fee: $149

Benefits include:

  • 4 upgraded boarding positions (positions A1-15) per year (note: This resets on your card anniversary!)
  • $75 annual Southwest travel credit yearly (use for Early Bird check-in or to book flights; again, this resets every year on your card anniversary)
  • 7,500 anniversary points each year (These points DO qualify for the Southwest Companion Pass)
  • 20% back on inflight purchases made with the card
  • Earn 1,500 tier qualifying points (TQPs) for each $10,000 in purchases up to $100,000 each year, which equal 15,000 TQP. TQPs can be used to count toward qualification for Rapid Rewards A-List or A-List Preferred status.
  • 3 points per $1 on Southwest Airline purchases
  • 2 points per $1 spent on local transit and commuting, including rideshare
  • 2 points per $1 spent on internet, cable, phone services and select streaming
  • 2 points per $1 spent on Rapid Rewards hotel and car rental partner purchases
  • 1 point per $1 on everything else
  • Get 25% back on inflight purchases.
  • No foreign transaction fees

 

2. Southwest Rapid Rewards Premier Credit Card

 

Southwest Premier Card

Bonus Offer: Earn 40,000 points after $1,000 minimum spend in 3 months 

End Date: None

Annual Fee: $99 annual fee is applied to your first statement, so factor that into your cost of flying free

Benefits include:

  • 3 points per $1 on Southwest Airline purchases
  • 1 point per $1 earned on all other purchases
  • Other benefits include 6,000 points credited on your one-year anniversary of holding the card, which DO qualify for the current year’s Companion Pass
  • 2 points per $1 spent on Rapid Rewards hotel and car rental partner purchases
  • Earn 2 points per $1 spent on local transit and commuting, including rideshare
  • Earn 2 points per $1 spent on internet, cable, phone services and select streaming
  • 25% back on inflight purchases
  • 2 EarlyBird Check-In per year
  • 1,500 tier qualifying points towards A-List status for every $10,000 spent
  • No foreign transaction fees
  • Points don’t expire as long as you hold the card

 

3. Southwest Rapid Rewards Plus Credit Card

 

Southwest Plus Card

Bonus Offer: Earn 40,000 points after $1,000 minimum spend in 3 months 

End Date: None

Annual Fee: $69

Benefits include:

  • 2 points per $1 on Southwest Airlines purchases 
  • 1 point per $1 earned on all other purchases
  • 3,000 points credited on your one-year anniversary of holding the card, which DO qualify for the current year’s Companion Pass (this is the main difference vs the Premier card aside from the lower annual fee and it DOES charge fees for foreign transactions)
  • Earn 2 points per $1 spent on local transit and commuting, including rideshare
  • Earn 2 points per $1 spent on internet, cable, phone services and select streaming
  • 25% back on inflight purchases
  • 2 EarlyBird Check-In per year
  • Earn 2 points per $1 spent on Rapid Rewards hotel and car rental partner purchases
  • Points don’t expire as long as you hold the card

 

Southwest Business Card Options

1. Southwest Rapid Rewards Performance Business Card

southwest performance business card

 

Bonus Offer: 80,000 points with a $5,000 minimum spend in 3 months

Offer End Date: None

Annual Fee: $199

Benefits include:

  • 4 points per $1 on Southwest purchases
  • 2 points per $1 on social media and search engine advertising, Internet, cable and phone services
  • 2 points on local transit and commuting
  • 1 point per $1 on all other purchases
  • 9,000 anniversary points (these DO qualify for the Companion Pass)
  • 4 upgraded A1-15 boardings every year (purchase with your card and then you’ll get a statement credit)
  • $100 TSA PreCheck or Global Entry credit every four years
  • Free WiFi by purchasing $8 WiFi and getting a statement credit (up to 365 per year)
  • Earn 1,500 tier qualifying points toward A-List status for every $10,000 spent
  • $500 fee credit per anniversary year for Rapid Rewards points transfers to other members
  • Unlimited tier (A-List/A-List Preferred) qualifying points
  • No foreign transaction fees

 

2. Southwest Rapid Rewards Premier Business Card

 

southwest premier business

Bonus Offer: Earn 60,000 Southwest points after $3,000 minimum spend within 3 months

Offer End Date: None

Annual Fee: $99

Benefits include:

  • 3 points per $1 on Southwest purchases and with hotel and car rentals partners
  • 1 point per $1 earned on all other purchases
  • 6,000 points credited on your one-year anniversary of holding the card, which DO qualify for the current year’s Companion Pass
  • 2 points on local transit and commuting
  • 2 Early Bird check-ins per year
  • $500 fee credit per anniversary year for Rapid Rewards points transfers to other members
  • 25% back on in-flight purchases
  • No foreign transaction fees
  • Points don’t expire as long as you hold the card

In addition to earning the bonus points (40,000-75,000) for each Southwest card, you will earn an additional 1 point per dollar spent for reaching the minimum spend, netting you another 1,000-6,000 points.

 

BONUS: Chase Sapphire Preferred

Chase Sapphire Reserve review

Chase Sapphire Preferred is a great third card to hold after applying for the Southwest cards (one personal, one business).

It earns Chase Ultimate Rewards points, which may be transferred to Southwest Airlines Rapid Rewards, as well as other airline and hotel loyalty programs for free travel instantly at a 1:1 ratio.

Bonus Offer: Earn 60,000 Southwest points after $4,000 minimum spend within 3 months End Date: None

Annual Fee: $95/year

  • Earn 5x points on travel purchased through Chase
  • Earn 2x points on travel and 1x points on all other purchases
  • Earn 3x points on dining and select streaming services
  • Points can be instantly transferred to Southwest at a 1:1 ratio.
  • Points DO NOT count toward the Southwest Companion Pass, only toward a free flight

 

Declined for a Credit Card?

vrbo vacation rental

If you are declined for one of these cards, not to worry!

It’s not necessarily a bad sign. There are lots of reasons you may be declined and many people are approved later.

Your next step should be to contact Chase customer service to review your application by calling the Chase Reconsideration Line phone number at 1-888-270-2127.

We also have some industry “secret” tips to help you get approved for a small business card, which we share inside the Families Fly Free membership.

Once you are approved, be sure to login to your account online or call by phone to make your payment on time monthly and pay off your balance every month, if not every few days, to be sure you do not incur any debt.

This is no longer a good deal if you have to pay steep interest rates on your balance.

Thanks again for using the links in this post for your card applications!

 

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45 thoughts on “Earn up to 80,000 Points to Fly Free With Southwest Credit Card Offers”

  1. Received email site to join talk on best days to get SW tickets at the best prices.
    I accidentally lost the address for it. I had this coming Tuesday requested.
    Could you please email it to me again.

    Reply
  2. We have a business SWA card. My sister has the second card. Can she apply for a Premier SWA card and earn the 60K? Plus can she keep her card that is attached to the business since I’m the primary card holder?

    Reply
    • Hi Allison, so give me a little more detail here. What card does your sister have? Are you saying she’s an authorized user on your business card? If so, she’s certainly eligible to get her own business card and her own SW personal card so long as she hasn’t earned the bonuses on these in the last 24 months. Additionally, she’ll need to spread her applications apart by 30 days or Chase will decline her and finally, keep in mind the Chase 5/24 rule where they will not approve you for any new cards if you’ve opened 5 or new cards of any type in the last 24 months. Chase business cards do not count in this rule, so if she is an authorized user on yours that should not count.

      And thanks for sharing with her the TRAVEL CREDIT CARDS link in the main menu of GotoTravelGal.com if she would consider starting her card applications there. It allows me to earn a commission to support the blog – at no cost you her :). Thanks!

      Reply
  3. Thanks for the post. Not sure if you know the answer to this question. Do you know how soon the points will post to the credit card acct after meeting the purchase requirements of $2000 in 3 months? I’m looking to fly to Cali with my spouse around Labor day. Not sure if I have enough time to receive all these points and companion pass for purchase of tickets.

    Reply
    • Hi Evie, they say it can take up to 6-8 weeks after you meet the minimum spend for the points to credit. Usually, they credit after the card close date in the period that you meet your minimum spend, but I’ve had some readers of late for whom they are credited after the second card close date after they meet their minimum spend.

      Normally I’d say you’re fine for a September trip, but Labor Day prices are going to be high, so those would definitely be better to book early (ie now :)).

      Could you go ahead and book yours at least and then add your husband as your Companion once you have your pass? Unless the flight sells out, you should be good to add him within a month or two before your departure.

      Thanks for using the TRAVEL CREDIT CARDS links in the main menu above for your card applications!

      Reply
  4. I have heard that some people have been getting upgrade offers for the SW Priority card. If you receive 5,000 points to upgrade from your current card to the Priority card, would those upgrade bonus points count towards the Companion Pass? I don,t know if I will be able to get this upgrade offer, but if I can I would like to know if the points would count towards the Companion Pass. Thanks so much for any help you can give me.

    Reply
  5. My wife and I have continuously held the Southwest Companion Pass since 2013. We alternate every every two years between the two of us, sometimes even holding it simultaneously. In 2018, when the rule allowing only one personal card at a time was initiated, I thought our days with the CP were numbered. However, in January of 2019, my wife applied for the personal Plus and Premier cards and was approved for both. They were both 40,000 point bonuses after a $1K spend and 20,000 additional points after $12K additional spend. Even though I thought it might be a fluke, I had my sister apply for both cards. She too was approved. I wonder if any others have been approved for two personal cards. I will be applying for both personal cards in January 2020, Just wondering if I am missing something. Could it be that the one card limit only applies to the 50 or 60K bonus offers?

    Reply
    • Hmmm… no it definitely states in the terms of each card (look on the card info page on Chase) that you can only hold 1 personal Southwest card. So I have no idea! But I guess if it’s working, go for it 🙂 but I wouldn’t count on it working. If it doesn’t, you can always apply for the business card. Anyone can be approved so long as you have an intention to make a profit, even just selling items on Facebook Marketplace under your own social security number. Thanks for sharing!

      Reply
      • I had already read about the one card change, so I applied for a business card using my eBay marketplace sales. Chase asked for further documentation in addition to what I had already submitted. I sent it in, but told them that if it didn’t suffice, they should cancel my application. That’s what they did. I didn’t want to pursue it even though I repeatedly sell items on eBay, but really don’t consider it a business. That’s when we decided to go for two cards and it worked. I will probably call Chase and see why we (and my sister) were approved for two cards, like we have since 2013.

        Reply
  6. Do you think I will be eligible for the additional points since I just applied for a personal card on 1/2/20? I have not received my card in the mail yet but just confirmed 2 days ago that I was approved.

    Reply
    • Hi Dana, GREAT question. I would call Chase right away and ask if they will honor the NEW offer. They WILL often do that if you applied recently and got a lower offer. You can try the Reconsideration Line at 1-888-270-2127. Let us know what happens!
      Lyn

      Reply
      • I called and they transferred me to customer service. At first it sounded like they wouldn’t let me in on the new offer because at this point I’m an existing customer, but then said they would honor the new offer by making a note on my account and I just need to call back when I meet the criteria of this new offer, tell the rep to check the notes of my account and they would then apply the additional points. Made my day, especially since I’m planning on earning that companion pass this year! Thank you for your help!!!

        Reply
  7. I cancelled my southwest card last month and want to open a new one. I received my last bonus on 2/13/18. Do I have to wait until 2/13 to apply or just to spend the $ to get the bonus?

    Reply
    • So the terms read that they will not “approve” you if you’ve earned a bonus in the last 24 months. I think I’d wait until Feb. 9 (it goes away Feb. 10 and they often take it down a day early), apply and if you are declined, call the Chase Reconsideration Line after Feb.13 and then they should approve you AND honor the offer that was in place the day of your application.

      Reply
    • Hi Nick,
      Great question! I have had some readers with the same question who have called Chase and asked if they would extend the 35K offer to them (in the case I’m thinking of, they also applied in December 2019), and were successful. So call Chase and see if they will extend the deal to you! Let us know how it goes! 🙂

      Reply
      • I just called in. First I used the number you listed in a reply above which turned out to be lending services and was transferred to card services so I suggest using general card service number 800-792-0001.

        The service rep who answered told me no I didn’t qualify I was stuck with my current offer of 40,000 from card I got in December. I thanked her and asked to speak to a supervisor who provided a different answer. She suggested I call back when I had met the $5000 threshold and request the additional 35,000 points be credited. Card services would forward it to the marketing dept. I asked am I promised the points or will this just be a request. She responded it is always a “request”.

        I saw in an earlier exchange on your site the person said the agent said she would put a note on the record. My agent did not say that, I wish I had asked for that.

        So fingers crossed. Thanks much for your site and your prompt responses.

        Reply
        • Thanks so much for sharing your experience! This will help others.

          I find that many Chase agents unfortunately don’t know what they’re talking about ;-), so if you get an unhelpful person, definitely worth calling back and seeing if you can get a different answer from someone else. So I’d definitely suggest trying a few more times.

          Reply
  8. When it says you get an additional 35,000 points after spending $5000 in the first 6 months, does that mean you have to spend a total of $5,000 or also the $1000 for a total of $6,000 to get the 75,000 points.

    Reply
  9. Thanks for the heads up! I believe I understand every angle but one. A current companion can apply for a new card and receive the bonus (he’s met all other requirements) without harming his companion status, right? I only ask because in the same box as the companion pass reference on the referral link landing page it says “THESE PRODUCTS are available to you if you do not have a current Southwest Rapid Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months. This does not apply to business card and employee credit card products.” I believe a companion can apply and earn the bonus, just want to verify with someone with more experience. 🙂

    Reply
    • Hi Christy,
      Yes being a Companion does not disqualify you from applying and being approved for the card. Only if you already have a personal Southwest card or if you’ve earned the bonus on ANY personal Southwest card in the last 24 months. And it does not affect his Companion status. Does that answer it for you? Thanks for the question!

      Reply
  10. Offer ends Feb 18, 2020.
    Just sent a referral from my SWA Card to my wife and her 75K total 40K+35K had an offer that expired 2/18/20. YMMV

    Reply
    • Hi Linda, That’s a good question. Here’s what the fine print says for the Priority card re the $75 credit:
      $75 Southwest Annual Travel Credit
      “A statement credit will automatically be applied to your account when your Southwest Airlines Rapid Rewards® Priority Card is used for Southwest Airlines® purchases (excluding Upgraded Boardings and inflight purchases), up to an anniversary year maximum accumulation of $75.”

      So, it doesn’t “exclude” gift cards. It seems to me if you bought Southwest gift cards from Southwest.com, it would “code” as a Southwest purchase and thus be OK.

      Let us know if you try it and if it works, because then you would earn 2 points per $1 for the gift card purchase when using the card.

      Reply
      • Thanks – I did read a post elsewhere – someone claimed they did it and it works and they got 150 miles so I guess it is worth a try

        Reply
  11. IF I cancel my SW plus card, how many days do I need to wait to apply for the premier? (Haven’t received a bonus in over 24 months)

    Reply
    • Hi Stacy,
      I recommend waiting at least seven business days before reapplying. You just want to be sure to give the credit bureaus time to note that the other one is closed so they don’t decline you for that reason.
      Lyn

      Reply
  12. Hi Lyn! I love yoru blog! Quick question, if we have already qualified for the companion pass through 2021 due to the extension Southwest granted due to no one flying in 2020. Would this 65,000 point bonus count towards the companion pass for 2021 quatification (which we already have) or 2022? As it’s been over 2 years since I have applied for a SWA credit card and my thought is, it’s better to wait until 2021 to apply for new card or upgrade to the SWA plus card for points as right now I only have the Rapid Rewards credit card. Does that make sense?
    Thank you 🙂

    Reply
    • Hi Courtney, Keep in mind that Southwest only extended the 2020 Companion Pass through June of 2021, so if you earned the 125,000 points this year, it would simply extend your pass through Dec. 31, 2021. Otherwise, you can wait until early 2021 and try to earn all 125,000 points (you have to start at 0 again) as soon as possible in 2021 to get a pass good through Dec. 31, 2022.

      If you already have a significant number of points, including the 25,000 Southwest gave everyone toward the Companion Pass, you might consider going ahead and earning it. You could always have a spouse or traveling companion apply for the card and earn the pass again in early 2022 if you’re not eligible to apply for the card again.

      Also, don’t upgrade your card, as that counts as getting a “new” card and you’ll have to wait 24 months again before being able to get the full sign-on bonus. Shout with any more questions! Thanks 🙂

      Reply
  13. To get the 65k points by was it 14 Sept, should I apply on the 11th. Will it get approved (I have excellent credit and no card in past 24 mo) in 1 or 2 days?

    How long must I wait to get the statement Cut Off date changed to be about 3rd of the month so that the bonus from earning the 65k will post in January? I think I remember I they would not change the cut-off date right away after approval – I had to wait until 1st statement????

    Also should I ask to change the cut-off date to 3rd of the payment due date until the 6th – usually the due date is 3 days after the cut-off.

    Thanks

    Reply
    • Hi Michael,
      The offer ends September 14, so yes, I think Sept. 11 would be a good day to apply (thanks for using my links in the article above :)!) I haven’t heard anything about not being able to change your close date right away, but it’s no big deal if that’s the case. You just need it to be switched by the time December rolls around, so that gives you plenty of time.

      So the due date doesn’t really matter as much here; just the close date. So just make sure you move the close date to as early in December as you can. Dec. 3 works, because that gives you until Dec. 11 to complete your minimum spend so the points will post in Jan. 2021. The 3 months to meet the minimum spend starts on the day you’re approved. You should definitely be either approved or not within a day or two if not right away.

      Let me know how it goes!

      Reply
  14. If I cancel my personal Premier Southwest Rapids Rewards card and apply for another personal card, so I can get the Companion Pass, will I lose the more than 90,000 points I have earned on my premier card?

    Reply
    • Hi Eve,
      As long as all your points have moved over to your Rapid Rewards account, you won’t lose those points and they will never expire. But keep in mind you can only earn the bonus on ANY personal Southwest card once every 24 months, so ensure it’s been at least 24 months since you last got a bonus.
      Thanks for using our links in the above post to apply!
      Lyn

      Reply
  15. My daughter has just 2 days ago canceled her one sw personal plus and her one sw bus performance. She got the bonuses from those cards much more than 24 months ago (thanks to you). She applied today for a new sw bus performance. Her application said Chase needs time to decide. Did she make a mistake not waiting longer after canceling the old bus performance before applying for a new one. I see some recommend waiting 30 days. She has a 2 yr old and a 5 yr old to fly with her and her husband. Thanks for all you do.

    Reply

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