Increased Southwest consumer card offers

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If you’ve been waiting for an end-of-year increased offer on the Southwest Airlines Rapid Rewards consumer credit cards, your time has come: all three cards are now offering increased welcome bonuses at just the right time of year.

The Offers & Key Card Details

Card Offer and Details
Chase Southwest Airlines Rapid Rewards® Plus Card
75K Points
Earn 75K bonus points after $3K spend in 3 months

$69 Annual Fee

This card is subject to Chase's 5/24 rule (click here for details).

Recent better offer: Expired 12/9/21: 100K (50K after $2K spend in 3 months plus 50K after a total of $12K spend in 12 months)

FM Mini Review: This card can be great for its new cardmember bonus, but its ongoing perks are worth the annual fee only if fully used each year.


Card Type: Visa Signature or Platinum

Base
Travel
Phone
Brand

Earning rate: 2X local transit and commuting, including rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 2X Southwest

Big spend bonus: If you earn 125,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year.

Noteworthy perks: 3000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year.

Card Offer and Details
Chase Southwest Airlines Rapid Rewards Premier Credit Card
75K Points
Earn 75K bonus points after $3K spend in 3 months

$99 Annual Fee

This card is known to be subject to Chase's 5/24 rule.

Recent better offer: Expired 12/9/21: 100K (50K after $2K spend in 3 months plus 50K after a total of $12K spend in 12 months)

FM Mini Review: The combination of 6,000 points plus 2 EarlyBird Checkins each year make this card a keeper for those who fly Southwest often.


Card Type: Visa Signature or Platinum

Base
Travel
Brand

Earning rate: 3X Southwest ⚬ 2X Rapid Rewards(R) hotel and car partners ⚬ 2X local transit and rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 1X on all other purchases.

Big spend bonus: If you earn 125,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ⚬ Earn 1,500 TQPs for each $10K in purchases

Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year.

Card Offer and Details
Southwest Rapid Rewards® Priority Credit Card
75K Points
Earn 75K bonus points after $3K spend in 3 months

$149 Annual Fee

This card is known to be subject to Chase's 5/24 rule.

Recent better offer: Expired 12/9/21: 100K (50K after $2K spend in 3 months plus 50K after a total of $12K spend in 12 months)

FM Mini Review: Great for frequent Southwest flyers - this card could easily be a long-term keeper.


Card Type: Visa Signature or Platinum

Base
Travel
Phone
Brand

Earning rate: 3X Southwest ⚬ 2X Rapid Rewards(R) hotel and car partners ⚬ 2X local transit and rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 1X on all other purchases.

Big spend bonus: If you earn 125,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ⚬ Earn 1,500 TQPs for each $10K in purchases

Noteworthy perks: ⚬ 7,500 anniversary points each year ⚬ $75 Southwest annual travel credit ⚬ Four A1-15 boardings every year ⚬ 20% back on in-flight drinks, Wi-Fi, messaging, and movies

Quick Thoughts

It’s great to see these increased bonuses on these cards, especially considering that now is an ideal time to get started on the path to a Southwest Companion Pass. That’s because by getting one of these cards now and waiting until after January 1st to complete the minimum spending requirement, the bonus will post in 2023 and you’ll be more than halfway to a Companion Pass for the rest of of 2023 and 2024. That’s because the Companion Pass requires earning 135,000 Companion Pass Qualifying Points within a single calendar year (but you will get credit for 10K qualifying points for having one of the credit cards, so you’ll only need to earn 125K points if you’re a cardholder). The bonus on one of these cards will put you within another 50K points earned from having a Companion Pass.

For more on what some call the best deal in domestic travel, see our Southwest Companion Pass Complete Guide.

Unfortunately, you are not eligible to receive the bonus on any of these cards if you have received the welcome bonus on a Southwest Airlines consumer credit card in the past 24 months. That means you can not apply for two of the “personal” (consumer) cards to earn a companion pass.

However, you are still eligible for the business cards even if you currently have a consumer card. Therefore, your strategy may be to open one of these consumer cards and one of the currently-available Southwest Rapid Rewards business cards to earn a Companion Pass. Again, make sure that you hold off on completing spending requirements until January so that you don’t earn any of the bonus points in 2022 — you need to earn all of the necessary Companion Pass qualifying points in the same calendar year.

Out of the consumer cards, I like the Priority card the most. At $149, it has the highest annual fee of the three consumer cards, but it comes with a $75 annual Southwest airlines credit that is triggered by nearly any Southwest Airlines purchase (buy a flight, a gift card, onboard WiFi, etc). That credit is very easy to use for anyone who flies Southwest much (and I believe buying a gift card from Southwest would also trigger it). Furthermore, the Priority card offers reimbursement for buying A1-A15 boarding up to 4 times per year. Southwest sells leftover Business Select boarding positions (A1-A15) at the gate (and in the app!) for $30 or $40 per segment and this card will reimburse that purchase up to four times per year (and note that you can use them one at a time or you could buy upgraded boarding for 4 passengers and use all 4 reimbursements at once). This can really come in handy if you forget to check in 24 hours before your flight or you miss a connection and get put on a later flight with a “C” boarding position. If you think you’ll use the A1-A15 boarding buy-up at least once per year and you value the $75 Southwest credit somewhere near face value, I feel like the Priority card becomes the best value out of the consumer cards.

Overall, it’s good to see these cards back up with increased offers at just the time when people are most likely to be interested giving the timing for the purposes of earning the Southwest Companion Pass.

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G P Strom

I just received the SW biz card. Would it be possible to refer myself for a SW Priority card?

Andrew

The SW Priority card also earns 7500 points after the card anniversary date, which combined with the $75 annual credit means you can come out ahead of the AF each year with no other spend (with the RRV of 1.4 cpp you get a combined $180 in SW credit and points each year for a $149 AF). As long as you have a use for Southwest points it’s a slam dunk keeper card with a net negative AF plus the 4 priority boardings.

I can confirm the $75 credit is triggered by online Southwest gift card purchases, I used it for that during the pandemic when I did not fly for a year.

Jay

Are there any data points on upgrades from the plus to priority card? Trying to time it right after getting the companion pass with the plus card but now looking for the more lucrative upgrades and willing to pay the higher fee for this year. Does anyone know if the upgrade will yield year end 3000 bonus points, 7500 bonus points? Or no points? Everything seems to be based on card anniversary date but unclear how chase will treat an upgrade.

[…] Elevated Southwest client card affords – by Frequent Miler […]

Ross

It looks like referral offers are still 50k.