Are you ready to unlock a world of travel possibilities with Southwest Airlines? Getting a Southwest Airlines credit card can be a fantastic way to earn valuable Rapid Rewards points, enjoy exclusive perks, and even potentially achieve the highly sought-after Companion Pass. But where do you even begin? This comprehensive guide will walk you through every step of the process, ensuring you're well-equipped to make an informed decision and successfully apply for the card that best suits your needs.
Introduction: Why Consider a Southwest Airlines Credit Card?
Before we dive into the "how," let's briefly touch upon the "why." Southwest Airlines is known for its unique policies, like two free checked bags and no change fees (though fare differences still apply). A co-branded Southwest Rapid Rewards credit card, issued by Chase, complements these benefits by offering:
Rapid Rewards Points: Earn points on everyday spending that can be redeemed for flights with no blackout dates.
Anniversary Bonus Points: Receive a bonus of Rapid Rewards points each year you renew your card, helping you boost your balance.
Tier Qualifying Points (TQPs): Some cards offer TQPs, bringing you closer to A-List or A-List Preferred status for perks like priority boarding and earning bonuses.
Travel Credits & Benefits: Depending on the card, you might get annual travel credits, upgraded boardings, inflight Wi-Fi credits, or even a Global Entry/TSA PreCheck credit.
The Holy Grail: The Companion Pass: This is arguably the most coveted benefit. By earning a certain number of qualifying points in a calendar year (which includes points earned from Southwest credit card welcome bonuses and spending), a designated companion can fly with you for free (plus taxes and fees) for the remainder of the year you earn it, and the entire following calendar year.
Now, let's get down to the brass tacks!
Step 1: Are You Ready to Soar? Understand Your Eligibility
This is where your journey truly begins. Before you even think about filling out an application, it's crucial to assess your eligibility. Chase, the issuer of Southwest credit cards, has specific criteria.
Sub-heading: Credit Score Considerations
Generally, for most Chase credit cards, including the Southwest Rapid Rewards cards, you'll need good to excellent credit. What does that mean in terms of a FICO score?
Good Credit: Typically ranges from 670 to 739.
Excellent Credit: Generally considered 740 to 850.
While it's possible to be approved with a slightly lower score, aiming for a score within the "good" or "excellent" range significantly increases your approval odds. Chase will look at your overall credit history, including:
Payment history: Do you pay your bills on time? This is the most crucial factor.
Amounts owed: How much credit are you using compared to your available credit (your credit utilization ratio)? Keeping this low (ideally under 30%) is beneficial.
Length of credit history: A longer history of responsible credit use is generally seen favorably.
New credit: Opening too many new accounts in a short period can be a red flag.
Sub-heading: The Infamous Chase 5/24 Rule
This is a critical rule to understand when applying for any Chase credit card. The Chase 5/24 rule means that if you've opened five or more personal credit card accounts across any issuer within the last 24 months, your application for a new Chase card will likely be denied, regardless of your credit score.
What counts: Most personal credit cards, including those from other banks.
What doesn't count: Most business credit cards (though some do), store-specific cards (e.g., store credit lines that can only be used at that specific store), authorized user accounts (as long as you're not the primary account holder), and loans (auto, mortgage, student).
Before applying, it's highly recommended to count your new accounts from the past 24 months. If you're at or above 5/24, it's usually best to wait until you drop below the threshold.
Step 2: Chart Your Course: Choose the Right Southwest Card for You
Southwest offers a variety of personal and business credit cards, each with different annual fees, earning rates, and benefits. Understanding the differences is key to selecting the card that aligns with your travel habits and financial goals.
Sub-heading: Personal Southwest Rapid Rewards Credit Cards
As of the current time, Chase typically offers three personal Southwest Rapid Rewards credit cards:
Southwest Rapid Rewards® Plus Credit Card:
Annual Fee: Typically the lowest (e.g., $69).
Key Benefits: Anniversary bonus points (e.g., 3,000 points annually), 2X points on Southwest purchases, 1X on all other purchases, and often a substantial welcome bonus. This is a great entry-level card.
Foreign Transaction Fees: Usually has foreign transaction fees (e.g., 3%).
Southwest Rapid Rewards® Premier Credit Card:
Annual Fee: Mid-range (e.g., $99).
Key Benefits: Higher anniversary bonus points (e.g., 6,000 points annually), 3X points on Southwest purchases, 1X on all other purchases, and a solid welcome bonus. Also earns Tier Qualifying Points (TQPs) towards A-List status.
Foreign Transaction Fees: Typically no foreign transaction fees.
Southwest Rapid Rewards® Priority Credit Card:
Annual Fee: The highest of the personal cards (e.g., $149).
Key Benefits: The most robust benefits, including an even higher anniversary bonus (e.g., 7,500 points annually), 3X points on Southwest purchases, 1X on all other purchases, a significant annual Southwest travel credit (e.g., $75), upgraded boardings, inflight Wi-Fi credits, and TQPs.
Foreign Transaction Fees: Typically no foreign transaction fees.
Sub-heading: Business Southwest Rapid Rewards Credit Cards
If you own a small business, even a side hustle, you might also be eligible for a business credit card, which can be a game-changer for earning the Companion Pass as they don't typically count towards the 5/24 rule.
Southwest Rapid Rewards® Premier Business Credit Card:
Annual Fee: (e.g., $99).
Key Benefits: Similar to the personal Premier card, with benefits tailored for businesses.
Southwest Rapid Rewards® Performance Business Credit Card:
Annual Fee: (e.g., $199).
Key Benefits: The most premium business offering, often with the highest welcome bonus, elevated earning rates on business-related categories, upgraded boardings, inflight Wi-Fi credits, and a Global Entry/TSA PreCheck credit.
Consider the welcome bonus offers currently available. These can fluctuate significantly and are often the fastest way to accumulate a large number of Rapid Rewards points, pushing you closer to the Companion Pass.
Step 3: Gather Your Supplies: Prepare Your Information
Once you've identified the right card for you, it's time to gather all the necessary information for a smooth application process. Having everything ready before you start will prevent delays.
Here's what you'll typically need:
Personal Information:
Full legal name
Date of birth
Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
Physical address (not a P.O. Box)
Phone number
Email address
Financial Information:
Gross annual income: This is your total income before taxes and deductions. Be honest, but include all verifiable sources, such as salaries, wages, investments, rental income, and even reliable income from a spouse or partner if you have reasonable access to it.
Source of income
Employment status
Monthly housing payment (rent or mortgage)
Rapid Rewards Account Number (Optional but Recommended): If you already have a Southwest Rapid Rewards account, having your number handy can help link your new card to your existing account more easily. If you don't have one, don't worry, you can often enroll during the application process or create one separately.
Step 4: Take Flight: The Application Process
With your information ready, it's time to apply! The easiest and most common way to apply for a Southwest Airlines credit card is online.
Sub-heading: Applying Online (The Easiest Route)
Visit the Official Chase Website: Go directly to Chase's credit card website or the Southwest Airlines website's credit card section. Be wary of unofficial links.
Locate the Desired Card: Navigate to the specific Southwest Rapid Rewards credit card you've chosen.
Click "Apply Now": You'll find a prominent "Apply Now" button.
Fill Out the Application Form: Carefully and accurately input all the information you gathered in Step 3. Double-check for any typos.
Residential Address: Ensure this matches your official records.
Income: As mentioned, be accurate with your annual income.
Contact Information: Make sure your phone number and email are correct.
Review and Submit: Before clicking "Submit," take one final look at all the entered information. This is your last chance to catch any errors.
Instant Decision or Pending:
Instant Approval: Congratulations! If approved instantly, you'll receive a confirmation message. Your new card will typically arrive in the mail within 7-10 business days.
Pending Decision: Many applications go into a "pending" status. This doesn't mean denial! It often means Chase needs a bit more time to review your information or might require additional verification.
Denied: If denied, you'll receive a letter explaining the reasons. Don't be discouraged; you can often re-evaluate your credit profile and try again later.
Sub-heading: Applying by Phone (If Needed)
If you prefer, or if you encounter issues with the online application, you can sometimes apply by phone by calling Chase's credit card application line. This can be helpful if you have specific questions or need clarification during the process.
Step 5: Post-Application Landing: What Happens Next?
After submitting your application, the waiting game begins (unless you received an instant approval).
Sub-heading: Checking Your Application Status
Online: Chase typically provides an online tool to check your application status. You'll usually need your Social Security Number and the zip code you provided on your application.
By Phone: You can also call Chase's automated application status line or speak to a representative. The general number for Chase credit card application status is often provided on their website (e.g., 1-888-338-2586).
Sub-heading: The "Reconsideration Line" (If Denied)
If your application is initially denied, don't despair! Chase, like many issuers, has a "reconsideration line." This is a dedicated phone number where you can speak to a credit analyst and politely request them to reconsider your application.
Be Prepared: Be ready to explain any potential concerns they might have, such as recent credit inquiries, a slightly lower credit score, or explanations for any past credit hiccups.
Be Polite and Concise: Clearly articulate why you believe you are a good candidate for the card and how you plan to manage the credit responsibly.
Often, a quick conversation can turn a denial into an approval, especially if there was just a minor issue or misinterpretation of your credit report.
Step 6: Welcome Aboard: Receiving and Activating Your Card
Once approved, your physical credit card will be mailed to your address.
Receive Your Card: It typically arrives within 7-10 business days.
Read the Cardmember Agreement: Familiarize yourself with the terms and conditions, including interest rates, fees, and rewards program details.
Activate Your Card: Follow the instructions provided with your card to activate it. This can usually be done online or by phone.
Set Up Online Account Access: Create an online account with Chase to manage your card, view statements, track rewards, and make payments.
Step 7: Maximizing Your Miles: Using Your New Card Wisely
Now that you have your Southwest credit card, it's time to put it to good use!
Sub-heading: Earning Your Welcome Bonus
This is often the most significant chunk of points you'll earn initially. Make sure you meet the spending requirement within the specified timeframe (e.g., spend $1,000 in the first 3 months) to earn the bonus points. Be mindful of this deadline.
Sub-heading: Understanding Earning Categories
Each Southwest card has different earning rates for various spending categories.
Southwest Purchases: All cards offer bonus points on Southwest Airlines purchases (flights, inflight purchases, gift cards). This is typically 2X or 3X points per dollar.
Bonus Categories: Some cards offer bonus points on specific categories like local transit and commuting, internet/cable/phone services, social media/search engine advertising (for business cards), or hotel and car rental partners.
All Other Purchases: You'll earn 1X point per dollar on all other eligible purchases.
Sub-heading: Utilizing Card Benefits
Don't forget to take advantage of the specific benefits that come with your chosen card:
Anniversary Points: These are automatically credited to your Rapid Rewards account after your cardmember anniversary.
Southwest Travel Credit: If your card includes one (like the Priority card), remember to use it for eligible Southwest purchases.
Upgraded Boardings/EarlyBird Check-In: Use these perks to improve your boarding position.
Inflight Credits: Enjoy discounts or credits on inflight purchases.
Companion Pass Progress: Keep an eye on your Rapid Rewards points balance. All points earned from your Southwest credit card, including welcome bonuses and everyday spending, count towards the coveted Companion Pass!
Conclusion: Your Gateway to Southwest Adventures
Obtaining a Southwest Airlines credit card can be a strategic move for any frequent Southwest flyer or aspiring traveler. By understanding the eligibility requirements, choosing the right card, preparing your information, and applying thoughtfully, you'll be well on your way to enjoying a host of valuable travel benefits. Happy travels!
Frequently Asked Questions (FAQs)
Here are 10 related FAQ questions to help you further navigate the world of Southwest credit cards:
How to Check My Credit Score Before Applying for a Southwest Credit Card?
You can check your credit score for free through various online services (like Credit Karma, Experian, TransUnion, Equifax), or often through your current bank or credit card provider. It's advisable to check scores from all three major bureaus (Experian, TransUnion, Equifax) as they might vary slightly.
How to Increase My Chances of Getting Approved for a Southwest Credit Card?
Improve your credit score by paying bills on time, keeping credit utilization low, and addressing any negative items on your credit report. Also, ensure you are below the Chase 5/24 rule. Having an existing banking relationship with Chase can sometimes be beneficial.
How to Understand the Different Southwest Rapid Rewards Credit Card Options?
Carefully compare the annual fees, welcome bonuses, anniversary points, and specific perks (like travel credits, upgraded boardings, TQPs) of each personal and business card offered by Chase. Consider your typical spending habits and how often you fly Southwest to determine which card offers the best value for you.
How to Enroll in the Southwest Rapid Rewards Program?
You can enroll in the Rapid Rewards program for free directly on the Southwest Airlines website (Southwest.com) by clicking on "Rapid Rewards" and then "Enroll." You'll need to provide your personal details.
How to Use the Welcome Bonus Points from My Southwest Credit Card?
Once your welcome bonus points post to your Rapid Rewards account (usually after meeting the spending requirement and your statement closes), you can redeem them for Southwest flights directly on Southwest.com. Simply select the "Points" option when searching for flights.
How to Earn the Southwest Companion Pass with My Credit Card?
You earn the Companion Pass by accumulating 135,000 qualifying points in a calendar year. Points earned from Southwest credit card welcome bonuses and all spending on the card (excluding annual fees, balance transfers, and cash advances) count towards this goal, making credit cards a primary strategy for achieving the Companion Pass.
How to Check My Southwest Credit Card Application Status?
You can check your application status online on Chase's credit card application status page, or by calling Chase's automated application status line, typically found on their website.
How to Contact Chase for Southwest Credit Card Reconsideration?
If your application is denied, search for "Chase credit card reconsideration line" online to find the dedicated phone number. Be prepared to politely discuss your financial situation and credit history with a representative.
How to Maximize the Benefits of My Southwest Rapid Rewards Credit Card?
Use your card for everyday spending, especially in bonus categories, to earn more points. Take advantage of annual travel credits, upgraded boardings, and other specific perks your card offers. Consider referring friends for bonus points, if available.
How to Report a Lost or Stolen Southwest Airlines Credit Card?
Immediately contact Chase to report a lost or stolen card. You can usually find the contact number on the back of your card, on your monthly statement, or on Chase's official website. Prompt reporting helps prevent unauthorized charges.