Southwest Airlines offers four Southwest credit cards for you to choose from to earn Southwest points, which you can use for FREE travel on the airline. You can choose from TWO Southwest credit cards for personal use and one Southwest credit card for business.

Southwest credit card

These cards typically offer a 40,000- to 60,000-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 one has a 50,000-point bonus and one has a 60,000-point bonus, you will immediately have earned enough points for the coveted Southwest Companion Pass. The Southwest Companion Pass allows one person to fly free with you for up to two years!

Download my free guide to learn how easy it is to earn the pass and fly nearly free around the U.S.!

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Throughout much of 2017, all three cards had bonuses of 60,000 points upon approval and meeting the minimum spend. People who took advantage of that offer were able to earn 10,000 MORE points than they need to earn the Southwest Companion Pass.

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

Note: You can only earn the bonus points once every 24 months, but you can cancel and reapply for the card once you are past that point.

Read on to see the current offers for each Southwest credit card.

Here are the Southwest credit cards and their current deals:

Southwest Credit Card Offers

To apply for the credit cards included in this post and to help support Go to Travel Gal at no cost to you, please use the Compare Cards link below or the TRAVEL CREDIT CARDS links in the main menu above. My blog depends on affiliate income, and these links allow me to earn a commission so that I may pay the blogging bills 🙂 and continue bringing you great information free. I sincerely appreciate you taking this step!

Compare Credit Cards

Southwest Rapid Rewards Premier Credit Card 

Bonus Offer: Earn 40,000 Southwest points after $1,000 minimum spend within 3 months; earn an additional 20,000 points after spending $12,000 on the card in the first year.

End Date: January 9, 2019

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

Benefits include:

  • 2 points per $1 on purchases and with hotel and car rentals partners
  • 1 point per $1 earned on all other purchases
  • Other benefits include 6,000 points credited on your one-year anniversary of holding the hard, which DO qualify for the current year’s Companion Pass
  • Zero foreign transaction fees
  • Points don’t expire as long as you hold the card

Southwest Rapid Rewards Plus Credit Card

Bonus Offer: Earn 40,000 Southwest points after $1,000 minimum spend within 3 months; earn an additional 20,000 points after spending $12,000 on the card in the first year.

End Date: January 9, 2019

Annual Fee: $69

Benefits include:

  • 2 points per $1 on purchases and with hotel and car rentals partners
  • 1 point per $1 earned on all other purchases
  • 3,000 points credited on your one-year anniversary of holding the hard, 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)
  • Points don’t expire as long as you hold the card

Southwest Rapid Rewards Priority Credit Card

Read my FULL REVIEW of this card.

Bonus Offer: Earn 40,000 Southwest points after $1,000 minimum spend within 3 months; earn an additional 20,000 points after spending $12,000 on the card in the first year.

End Date: January 9, 2019

Annual Fee: $149

Benefits include:

  • Earn 40,000 points after a $1,000 minimum spend in 3 months
  • Earn another 25,000 points after spending $15,000 in the first year
  • 4 upgraded boardings (positions A1-15) per year
  • $75 annual Southwest travel credit yearly.
  • 7,500 anniversary points each year
  • 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.
  • 2 points per $1 earned on Southwest Airlines and partner hotel and car rental purchases
  • 1 point per $1 on everything else
  • No foreign transaction fees
  • The offer ends August 22, 2018

Southwest Rapid Rewards Premier Business Card

Note: You may be approved for a business card so long as you receive a 1099 for any type of side income (read more in my free ebook)

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

End Date: None

Annual Fee: $99

Benefits include:

  • 2 points per $1 on 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 hard, which DO qualify for the current year’s Companion Pass
  • No foreign transaction fees
  • Points don’t expire as long as you hold the card

In addition to earning the bonus points (40,000-60,000) for each Southwest card, you will earn an additional 1 point per dollar spent for reaching the minimum spend, netting you another 1,000-3,000 points.

Chase Sapphire Preferred

This is a great third card to hold after applying for the Southwest cards. 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 50,000 Southwest points after $4,000 minimum spend within 3 months

End Date: None

Annual Fee: None the first year,

  • Earn 2X points on travel and dining expenses and 1X points on all other purchases
  • 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

If you are declined for one of these cards, not to worry! It’s not necesssarily 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.

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.

How These Earn the Southwest Companion Pass

If you chose two cards that did not get you to the 110,000 points needed to earn the Southwest Companion Pass, continue to earn the rest through everyday spending on the cards, signing up for Rapid Rewards Dining, using the Southwest Rapid Rewards Shopping portal and booking hotels through SouthwestHotels.com to earn up to 10,000 points per night.

Points that do not qualify for the Southwest Companion Pass include:

  • Purchased points
  • Points transferred from another Rapid Rewards account
  • Points transferred from hotel loyalty programs or Chase Ultimate Rewards
  • Anything marked “bonus” points aside from those earned by signing up for Southwest Chase Rapid Rewards Visa credit cards
  • Points earned by filling out surveys
  • Points earned through Diners Club

Don’t forget to sign up for my blog email below where I’ll keep you updated on the latest and easiest ways to earn Southwest points like 1,000 points for $5 subscriptions! And be sure to download my free ebook, “The Step-by-Step Guide to Earning the Southwest Companion Pass,” above.

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