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Chase offers five Southwest credit cards — and the points they earn count toward the Companion Pass

Southwest Airlines Phoenix
You can earn 40,000 points plus 3x points on dining for the first year with the latest Southwest personal card offers.
Stephen M. Keller/Southwest Airlines

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If you're itching to travel again but aren't quite sure when, it makes sense to collect points and miles that won't expire so you won't have to worry about losing them before you're ready. Southwest points are handy in this regard — they'll never expire, and even if you book an award flight and later need to cancel, your points are redeposited without any fees — easy peasy!

Chase issues five Southwest credit cards that range from an entry-level product with a handful of benefits, to a premium small-business card with a higher annual fee (and perks to match). All of these cards earn a bonus and points from spending that count toward qualifying for the Southwest Companion Pass — one of the best travel deals around.

Read more: The best Southwest credit cards in 2021

The welcome bonuses for these cards change now and then, with occasional increased offers or bonuses for spending in certain categories. Here are the Southwest credit card offers that are available right now.

Earn 40,000 points with the Southwest personal cards

There have been a couple of elevated offers on the Southwest personal cards this year; most recently, new cardholders could earn 65,000 points after meeting the minimum spending requirements (offer no longer available).

Right now, you can earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.

40,000 points is the standard bonus, but the 3x on dining in the first year isn't normally included. If you're not in a hurry to apply, you may want to wait for another elevated offer. But if you're working toward earning the Companion Pass in 2021, this bonus could put a significant dent in the points you'll need. The spending requirement to unlock the welcome bonus is easy to reach, too.

Earning a Southwest Companion Pass can translate into hundreds or thousands of dollars in airfare, depending on how you use the benefit.

With a Companion Pass, you designate a friend or family member to travel with you on any paid or award flight with Southwest for only the cost of taxes and fees (usually about $6 one-way on domestic tickets).

Normally, you'd need to earn 125,000 qualifying points in a calendar year (or fly 100 one-way flights) to unlock the Companion Pass, and points earned from Southwest credit cards count toward the requirement. For 2021, Rapid Rewards members with active accounts as of December 31, 2020, have been credited 25,000 out of the required 125,000 points (and 25 qualifying flights) automatically — effectively reducing the Companion Pass requirement to just 100,000 points or 75 flights this year.

Chase Southwest personal cards comparison

The Southwest Rapid Rewards® Plus Credit Card, Southwest Rapid Rewards® Premier Credit Card, and Southwest Rapid Rewards® Priority Credit Card all offer the same bonus: 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.

Other spending bonus categories and benefits vary depending on the card.

 

Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Priority Credit Card

Annual fee

$69

$99

$149

Rewards rate

2x points on Southwest and Rapid Rewards hotel and car rental partner purchases

1 point per dollar on everything else

2x points on Southwest and Rapid Rewards hotel and car rental partner purchases

1 point per dollar on everything else

 

2x points on Southwest and Rapid Rewards hotel and car rental partner purchases

1 point per dollar on everything else

Welcome bonus

40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year

40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year

40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year

Anniversary points

3,000

6,000

7,500

Travel benefits

N/A

Earn tier-qualifying points toward A-List elite status

Earn tier-qualifying points toward A-List elite status

$75 annual Southwest travel credit

4 upgraded boardings per year when available

20% back on inflight drinks and Wi-Fi

 

Foreign transaction fee

Yes

No

No

Review

Southwest Rapid Rewards Plus credit card review

Southwest Rapid Rewards Premier credit card review

Southwest Rapid Rewards Priority credit card review

Southwest Rapid Rewards Plus card

Annual Fee
$69
Regular APR
15.99% - 22.99% Variable
Credit Score
Good to Excellent
Editor's Rating
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Annual Fee
$69
Regular APR
15.99% - 22.99% Variable
Credit Score
Good to Excellent
Editor's Rating
Featured Reward
40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
  • Pros & Cons
  • Details
  • Pros
    • Earns Southwest points on every purchase
    • You get 3,000 points every year after your cardmember anniversary
    Cons
    • Charges foreign transaction fees
    • Very limited benefits
    • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
    • 3,000 bonus points after your Cardmember anniversary each year.
    • Earn 2 points per $1 spent on Southwest® purchases.
    • Earn 1 point per $1 spent on all other purchases.
    • All points earned count towards Companion Pass®.
    • No blackout dates or seat restrictions.
    • Your points never expire, a benefit of the Rapid Rewards® program.
    Read Our Review Read Our Review A looong arrow, pointing right

    The Southwest Rapid Rewards® Plus Credit Card has the lowest annual fee ($69) of the personal Southwest cards, but it offers the same bonus and spending categories as the others. That said, it also comes with the fewest benefits — for example, you won't earn tier-qualifying points from spending on the card like the others.

    Read more: Southwest Rapid Rewards Plus credit card review

    You'll earn 3,000 bonus points each account anniversary (worth about $42 in Southwest airfare, according to Insider's valuations), which covers much of the annual fee. Keep in mind this is the only Southwest personal card that adds foreign transaction fees, so you shouldn't use it overseas.

    Southwest Rapid Rewards Premier card

    Annual Fee
    $99
    Regular APR
    15.99% - 22.99% Variable
    Credit Score
    Good to Excellent
    Editor's Rating
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
    Annual Fee
    $99
    Regular APR
    15.99% - 22.99% Variable
    Credit Score
    Good to Excellent
    Editor's Rating
    Featured Reward
    40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
  • Pros & Cons
  • Details
  • Pros
    • You get 6,000 points each year after anniversary
    • You can earn Tier-Qualifying Points toward Southwest elite status for spending on the card
    Cons
    • Only offers bonus points on Southwest purchases
    • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
    • 6,000 bonus points after your Cardmember anniversary each year.
    • Earn 2 points per $1 spent on Southwest® purchases.
    • Earn 1 point per $1 spent on all other purchases.
    • All points earned count towards Companion Pass®.
    • No foreign transaction fees.
    • No blackout dates or seat restrictions.
    • Your points never expire, a benefit of the Rapid Rewards® program.
    Read Our Review Read Our Review A looong arrow, pointing right

    The Southwest Rapid Rewards® Premier Credit Card is the middle-tier Southwest personal card, with a $99 annual fee. You'll earn 6,000 Southwest bonus points each account anniversary (worth about $84 in Southwest flights), so the card almost pays for itself when you renew it.

    Read more: Southwest Rapid Rewards Premier credit card review

    If you're aiming for Southwest elite status, the Southwest Rapid Rewards® Premier Credit Card can give you a boost. You'll earn 1,500 tier-qualifying points (TQPs) for each $10,000 in purchases you make with the card, up to $100,000 in purchases each year.

    To reach Southwest A-List status, you'll need to fly 25 Southwest one-way qualifying flights or earn 35,000 tier-qualifying points per calendar year. A-List Preferred status requires 50 Southwest one-way qualifying flights or 70,000 tier-qualifying points in the same timeframe.

    Southwest Rapid Rewards Priority card

    Annual Fee
    $149
    Regular APR
    15.99% - 22.99% Variable
    Credit Score
    Good to Excellent
    Editor's Rating
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
    Annual Fee
    $149
    Regular APR
    15.99% - 22.99% Variable
    Credit Score
    Good to Excellent
    Editor's Rating
    Featured Reward
    40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
  • Pros & Cons
  • Details
  • Pros
    • Generous annual benefits, including a Southwest travel credit and 7,500 points, plus upgraded boardings and in-flight discounts
    • If you fly Southwest several times a year, the benefits easily outweigh the annual fee
    • Annual fee is low compared to other premium airline credit cards
    Cons
    • Highest annual fee among Southwest consumer cards
    • Doesn't offer bonus points on non-Southwest purchases
    • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
    • 7,500 bonus points after your Cardmember anniversary each year.
    • $75 Southwest® travel credit each year.
    • 4 Upgraded Boardings per year when available.
    • 20% back on in-flight drinks and WiFi.
    • Earn 2 points per $1 spent on Southwest® purchases.
    • Earn 1 point per $1 spent on all other purchases.
    • No foreign transaction fees.
    Read Our Review Read Our Review A looong arrow, pointing right

    The Southwest Rapid Rewards® Priority Credit Card has a $149 annual fee, but offers the most benefits and perks of the three Southwest cards. In fact, frequent Southwest flyers can get a value from the card that far exceeds the annual cost.

    Read more: Southwest Rapid Rewards Priority credit card review

    Cardholders receive up to $75 in Southwest credit per year, which can be applied to any Southwest purchase except inflight purchases and upgraded boarding. The Southwest Rapid Rewards® Priority Credit Card also comes with 7,500 points each account anniversary (worth about $105 in Southwest airfare), four upgraded boardings per year when available (worth up to $50 each time), and a 20% discount on inflight purchases including Wi-Fi.

    Like the Southwest Rapid Rewards® Premier Credit Card, the Southwest Rapid Rewards® Priority Credit Card can make elite status more attainable by earning tier-qualifying points when you hit the same spending thresholds.

    Chase Southwest business card comparison

    Chase offers two Southwest credit cards for small-business owners. The Southwest Rapid Rewards® Premier Business Credit Card currently offers 60,000 points after you spend $3,000 on purchases in the first three months of account opening, and offers benefits similar to the personal version of the card.

    The Southwest Rapid Rewards® Performance Business Credit Card offers 80,000 points after you spend $5,000 on purchases within the first 3 months of account opening

     

    Southwest Rapid Rewards® Premier Business Credit Card

    Southwest Rapid Rewards® Performance Business Credit Card

    Annual fee

    $99

    $199

    Rewards rate

    2x points on Southwest and Rapid Rewards hotel and car rental partner purchases

    1 point per dollar on everything else

    3x points on Southwest and Rapid Rewards hotel and car rental partner purchases

    2x points on social media and search engine advertising

    2x points on internet, cable, and phone services

    1 point per dollar on everything else

     

    Welcome bonus

    60,000 points after you spend $3,000 on purchases in the first three months of account opening

    80,000 points after you spend $5,000 on purchases within the first 3 months of account opening

    Anniversary points

    6,000

    9,000

    Travel benefits

    Earn tier-qualifying points toward A-List elite status

    Earn tier-qualifying points toward A-List elite status

    $100 Global Entry or TSA PreCheck application fee credit

    4 upgraded boardings per year when available

    Inflight Wi-Fi credits

     

    Foreign transaction fee

    No

    No

    Review

     

    Southwest Performance Business card review

    Southwest Rapid Rewards Premier business card

    Annual Fee
    $99
    Regular APR
    15.99% - 22.99% Variable
    Credit Score
    Good to Excellent
    Editor's Rating
    Annual Fee
    $99
    Regular APR
    15.99% - 22.99% Variable
    Credit Score
    Good to Excellent
    Editor's Rating
  • Pros & Cons
  • Details
  • Pros
    • Awards you 6,000 points each year after your account anniversary
    • Earns 2 Southwest points per dollar on your Southwest purchases
    Cons
    • No bonus points on non-Southwest purchases
    • Relatively light benefits compared to other airline credit cards
    • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
    • 6,000 bonus points after your Cardmember anniversary.
    • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
    • 1 point per $1 spent on all other purchases.
    • Earn points on employee spending.
    • Employee cards at no additional cost.
    • No blackout dates when you redeem points, no seat restrictions, bags fly free®, and no change fees.
    • No foreign transaction fees
    Read Our Review Read Our Review A looong arrow, pointing right

    The Southwest Rapid Rewards® Premier Business Credit Card charges a $99 annual fee, but, like the personal version, comes with 6,000 points (worth about $84 in Southwest airfare) each card anniversary.

    Read more: The best small-business credit cards in 2021

    You'll also have the opportunity to earn tier qualifying points toward Southwest A-List and A-List Preferred elite status, and won't be charged any foreign transaction fees.

    Southwest Rapid Rewards Performance business card

    Annual Fee
    $199
    Regular APR
    15.99%–22.99% variable APR
    Credit Score
    Good to Excellent
    Editor's Rating
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
    Annual Fee
    $199
    Regular APR
    15.99%–22.99% variable APR
    Credit Score
    Good to Excellent
    Editor's Rating
    Featured Reward
    80,000 points after you spend $5,000 on purchases within the first 3 months of account opening
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
  • Pros & Cons
  • Details
  • Pros
    • 3x bonus points on Southwest purchases
    • Valuable Southwest perks including four upgraded boardings per year, in-flight Wi-Fi credits, and 9,000 points each year on your anniversary
    Cons
    • $199 annual fee is on the high side
    • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
    • 9,000 bonus points after your Cardmember anniversary.
    • 3 points per $1 spent on Southwest Airlines® purchases.
    • 2 points per $1 spent on social media and search engine advertising, Internet, cable, and phone services and 1 point per $1 spent on all other purchases.
    • 4 Upgraded Boardings per year when available.
    • Inflight WiFi Credits.
    • Global Entry or TSA Pre✓® Fee Credit.
    • Employee cards at no additional cost, earn points on employee spending.
    Read Our Review Read Our Review A looong arrow, pointing right

    With a bonus of 80,000 Southwest points after meeting spending requirements, the Southwest Rapid Rewards® Performance Business Credit Card is worth serious consideration for Southwest flyers, even with the $199 annual fee.

    Read more: Southwest Rapid Rewards Performance Business credit card review

    Unlike the other Southwest cards, the Southwest Rapid Rewards® Performance Business Credit Card rewards spending in bonus categories other than Southwest purchases. You'll earn 3x points on Southwest purchases (compared to 2x with the other cards), 2x points on social media and search engine advertising, and 2x points on internet, cable, and phone services. All other purchases earn 1 Southwest point per dollar.

    You'll also receive 9,000 Southwest points (worth about $126 in Southwest airfare) each card anniversary. If you fly Southwest frequently, you can even get more value, because the card comes with four upgraded boardings per year when available (worth up to $50 each) and up to 365 inflight Wi-Fi credits each year (worth $8) each. 

    Like many premium credit cards, the Southwest Rapid Rewards® Performance Business Credit Card also offers up to $100 in Global Entry or TSA PreCheck application fee credit every four years. 

    Chase Southwest card application restrictions

    Both the personal and small-business Chase Southwest cards are subject to the Chase 5/24 rule, which means if you've opened five or more cards (from any bank) in the past 24 months, you won't be approved for the card.

    Read more: The best Chase credit cards in 2021

    While you're allowed to have one personal and one small-business Southwest card at the same time, there are other card application restrictions to keep in mind. For the Southwest personal cards, you aren't eligible if you currently have any personal Southwest card, or have received an intro bonus on one in the past 24 months. This doesn't include Southwest business cards.

    And with the Southwest business cards, you won't be approved if you currently hold the card, or have received a sign-up bonus for that specific card in the past 24 months. 

    Featured credit cards from our partners
    Chase Sapphire Preferred® Card Editor's Rating
    Editor's Rating
    Annual Fee $95
    Featured Reward 100,000 points
    Credit Needed Good to Excellent
    Marriott Bonvoy Boundless™ Credit Card Editor's Rating
    Editor's Rating
    Annual Fee $95
    Featured Reward 3 Free Nights (valued up to 50,000 points each) after spending $3,000 in the first 3 months, plus 10x total points per $1 spent on up to $2,500 in combined purchases in select categories within your first 6 months
    Credit Needed Good to Excellent
    Chase Freedom Unlimited® Editor's Rating
    Editor's Rating
    Annual Fee $0
    Featured Reward $200 after spending $500 in the first three months from account opening
    Credit Needed Good to Excellent

    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

    Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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