Your final information to Southwest bank card eligibility

Southwest Airways presents 5 bank cards you’ll be able to apply for: three private and two enterprise ones.

With the Southwest Fast Rewards® Plus {Credit Card} (see charges and charges), Southwest Fast Rewards® Premier {Credit Card} and Southwest Fast Rewards® Precedence {Credit Card} (see charges and charges), new cardholders can earn 100,000 bonus factors after spending $4,000 on purchases within the first 5 months from account opening.

The knowledge for the Southwest Fast Rewards Premier has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

There are a number of particular guidelines to be careful for when eyeing a Southwest bank card, relying on whether or not you desire a private card or a enterprise card. Here is what that you must know.

Which Southwest bank cards am I eligible for?

Should you’re taking a look at Southwest bank cards, you may have 5 choices to select from. The airline presents three private playing cards and two enterprise playing cards.

These are the non-public playing cards:

And listed below are the 2 enterprise playing cards:

At present, the non-public playing cards all have a limited-time welcome provide. New cardholders can earn 100,000 bonus factors after spending $4,000 on purchases within the first three months from account opening.

This bonus is price $1,350, based mostly on TPG’s August 2025 valuations.

The 2 enterprise playing cards have totally different welcome presents.

New Southwest Efficiency Enterprise cardholders can earn 80,000 factors after spending $5,000 on purchases within the first three months of account opening.

In the meantime, new Southwest Premier Enterprise cardholders can earn 60,000 factors after spending $3,000 on purchases within the first three months of account opening.

In response to our valuations, these welcome bonuses are price $1,080 and $810, respectively.

Chase and Southwest maintain the applying course of comparatively easy by treating all private playing cards equally and setting two easy guidelines for the enterprise playing cards.

Associated: Find out how to monitor your progress towards a bank card welcome bonus

If you wish to apply for a private card

You’re eligible to take action so long as you abide by the next standards:

• The Chase 5/24 rule: You will virtually actually be rejected for a Southwest bank card if you happen to’ve opened 5 or extra bank cards (from any issuer) inside the previous 24 months, excluding most enterprise playing cards.
• Card “household” restrictions: Should you’ve already obtained a Southwest private card, you’ll be able to’t open one other till you have canceled or product-changed your present card.
• Welcome bonus guidelines: You’ll be able to’t open the cardboard if you happen to’ve earned a welcome bonus from a Southwest private card inside the previous 24 months.

The essential word right here is that having a Southwest enterprise bank card or worker card doesn’t have an effect on your eligibility for private playing cards.

If you wish to apply for a enterprise card

You’re eligible to take action so long as you might be beneath 5/24 and meet the next guidelines:

• You can’t presently have that individual bank card.
• You can’t have acquired a bonus on that individual bank card previously 24 months.

Making use of for private Southwest bank cards has no influence in your eligibility for enterprise playing cards, apart from the truth that it takes up one among your 5/24 slots. Extra importantly, having both Southwest enterprise bank card would not have an effect on your eligibility for the opposite Southwest enterprise card.

Associated: Southwest Efficiency vs. Premier: Which Fast Rewards enterprise bank card is best for you?

What’s the greatest plan to use for Southwest bank cards?

Assuming you may have a 5/24 slot or two to spare, the perfect plan for most individuals can be to use for each Southwest enterprise bank cards. Doing so will not enhance your 5/24 rely and can maintain you eligible for a private Southwest card sooner or later.

Resulting from Chase’s utility restrictions on private Southwest playing cards, it is a good suggestion to attend for the very best welcome bonus out there or when a Companion Go is obtainable earlier than making use of.

Associated: Find out how to shortly earn the Southwest Companion Go

Backside line

It is all the time essential to plan your bank card functions and take note of card and issuer-specific guidelines.

Whereas Chase’s “household restriction” on the non-public Southwest playing cards throws a wrench into many individuals’s Companion Go plans, the identical restriction would not apply to the 2 enterprise playing cards.

To be taught extra, try our full opinions of the Southwest Plus, Premier, Precedence, Premier Enterprise and Efficiency Enterprise playing cards.

Apply right here: Southwest Plus {Credit Card}
Apply right here: Southwest Precedence {Credit Card}
Apply right here: Southwest Premier Enterprise {Credit Card}
Apply right here: Southwest Efficiency Enterprise {Credit Card}
Be taught extra: Southwest Premier {Credit Card}