Southwest personal credit card offers


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Southwest’s three personal credit cards are unfortunately offering an inferior sign-up bonus to what we’ve seen in the past, but if you’re looking to apply for the card now — or get a head start on the amazing Southwest Companion Pass — here are the current offers.

Key Links: 

how to earn the southwest companion pass

Earn even more with the Southwest business credit cards

However, if you are eligible for a business credit card, then you can actually earn an even higher offer at the moment. With the Southwest Rapid Rewards® Performance Business Credit Card you’ll earn 80,000 bonus points after you spend $5,000 on purchases in the first three months. You can learn more details about the Southwest Performance card here.

This is an even easier way to earn the Southwest Companion Pass for 2021 and 2022 and the method I used last year to earn the pass. (More on the Southwest Companion Pass below).

southwest credit card

Credit Card Value

Rapid Reward points also have no blackout dates so you can use the points whenever you so desire. This is great for families who are locked into those peak dates surrounding school vacation time. Many other airlines, such as American and United, blackout those dates so being able to use points can be quite challenging. With Rapid Reward points, the number of points you redeem on a particular flight is directly tied to the original cost of the flight. A cheaper flight requires less points, while a more expensive flight requires more points.

Southwest Credit Card Differences

With three different personal Southwest credit cards, there are bound to be some differences.

The Plus and Premier cards are pretty similar in the benefits with one difference. The Plus card will give you 3,000 Rapid Reward points on every account anniversary year, where the Premier card will give you 6,000 Rapid Reward points. Although, the Plus card has a lower annual fee.

The card that really differs in its benefits is the Priority card. This card is on the higher end in terms of annual fees, but the benefits really pay for itself.

With the Priority card, you’ll receive $75 in travel credit towards Southwest purchases per year, 7,500 Rapid Reward bonus points annually, four upgraded boarding passes per year and 20% back on your in-flight purchases. In just the first year with the card, that $149 annual fee can be thought of as just $74 (due to the travel credits) and then even less depending on how you use the upgraded boarding passes and in-flight purchases. After the first year, you’ll actually come ahead. The travel credits and bonus Rapid Reward points automatically are worth around $180, so after the $149 annual fee, you are ahead by about $30. That doesn’t even take into consideration the other perks.

So, which one is better?

If you are looking at just year 1 of being a cardmember, you’ll see that the Southwest Rapid Rewards® Plus Credit Card or Southwest Rapid Rewards Business Premier Credit Card will give the best value during the year. If you look past year 1, you’ll see that the Southwest Rapid Rewards® Priority Credit Card is the best year after year. While this card has a higher annual fee, you should always come out ahead.

What is the Southwest Companion Pass?

If you’ve been following this blog for awhile you also know that Southwest is by far my favorite airline for a few reasons:

Having the Southwest Companion Pass can save you thousands and thousands of dollars (or points) depending on how many times you fly during the year. The pass expires the year after it is earned on Dec. 31st. So if you were to earn the pass today, it would expire Dec. 31, 2022 — giving you almost two full years with the pass!

If you are not planning on flying over the next year, then hold off on applying for the card and earning the pass. And wait till travel is back in your future. This is not a one-time opportunity to apply for the card.

how to earn the southwest companion pass

With the pass, as long as there is a seat available you can book your companion. No route restrictions, no date restrictions, no capacity restrictions. It is one of those no strings attached passes. Domestic routes are $5.60 and international routes can vary. Additionally, even if the first passenger uses points for a free flight, you can still add the companion. The only thing you pay are the taxes and fees, which is the exact same amount if you were to use points.

Earning the Companion Pass with the Credit Card

The best thing about these offers are that the points earned from the credit card sign up currently count towards the Southwest Companion Pass. You typically need to earn 125,000 points within the same calendar year, however, earlier this year, Southwest boosted account members with an extra 25,000 qualifying points (as long as you had an account open prior to the new year).

This means you can currently apply for the Southwest Performance Business card and after meeting the minimum spend you’ll end up with 85,000 points — just 15,000 points shy of earning the pass. You can earn the remaining amount by flying Southwest, additional credit card spend, using their online shopping portal (which is what I suggest) or crediting partner programs to your Southwest account.

Keep in mind though that Chase recently put restrictions in place where you cannot have two Southwest personal cards open at the same time. (You can, however, have two open business cards or one personal and one business card). Also, these cards are subject to Chase’s “5/24” rule.

southwest credit card
Flying for free thanks to the Southwest Companion Pass!

Overall…

This is a great way to increase your point balance towards free travel, reap some great bonuses and earn the Southwest Companion Pass. If you’ve been following this blog, you know that I am a huge Southwest fan. I’ve also been a proud Southwest Companion Pass holder for 13 years.

Learn more about Southwest…

Learn more about Southwest Companion Pass

Disclosure: This post contains affiliate links. As always, thank you for supporting Deals We Like and enjoy traveling on a deal!

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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Frank
Frank
5 years ago

can for example I get one card and my wife another and pool the points into my account? Or just one person would have to get both cards?

Jw
Jw
1 year ago
Reply to  Frank

You can’t pool accounts with different individuals, but can pool together a personal and business card with same Rapid Rewards account. Apply for both a personal and business meeting meet your name this year, and then in January 2021 apply for a personal and business under wife’s name.

melissa
melissa
5 years ago

I was unable to access the personal premier card. When I clicked on it, there was a message that said offer unavailable. I already applied for the plus and would like to apply for premier to maximize points. Thanks so much!

drew
drew
5 years ago

I have referral links for the PREMIER card 50,000 bonus points offer. I will need your first name and email. It may take a week to get the signup link from Southwest but, yes, you will get it. Again, this is for the PREMIER card ($99 per year). Email drew(dot)bignall(at)yahoo(dot)com.

Get your 100,000 miles for the Companion pass
Get your 100,000 miles for the Companion pass
4 years ago

You want to get your 100k as soon as possible because the companion pass is good for the rest of the year it’s earned and the following year.

Please email PHILLIPL* AT yahoo.com to get links to both the Premier and Plus cards. You can get 50k miles on each of them. I will respond immediately to your emails.

thanks

dee
dee
1 year ago

That’s not really true (and a bit self serving to offer your referral links). As the article clearly explains, it the CP is early in Jan 2020, it is good for all of 2020 and 2021. Earning it now actually dilutes the amount of time you would have the CP for.

JL100
JL100
11 months ago

9/24!!!

Pam
Pam
6 months ago

In this sentence, “You can earn this amount by flying Southwest, additional credit card spend, using their online shopping portal (which is what I suggest) or crediting partner programs to your Southwest account.” what do you mean by “crediting partner programs to your SWA account”?

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