physixfan      2025-07-25     2025-07-25

2025.7 Update: This card is completely renewed, and the annual fee is increased from $99 to $149.The new benefits are marked with [New] below.

2025.1 Update: The higher offer is expired.

There’s only 60k offer now.

2024.6 Update: The new offer is 60k+60k, the latter part requires $15k spending which is a bit high.After the spending you will get the companion pass directly.

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Benefits

1. 60k offer: earn 60,000 Southwest Miles after spending $3,000 in the first 3 months.The recent best offer is 60k+60k.
2. We value Southwest Miles at 1.3 cents/point (Airline Miles Value), so the 120k highest offer is worth about $1,560.See A Beginner’s Guide to Southwest Miles to check for details about Southwest Miles.
3. [New] Earn 3x miles per dollar spent on Southwest Airlines; Earn 2x miles per dollar spent at gas stations and restaurants on the first $8,000 in combined purchases per anniversary year; Earn 1x mile per dollar spent on all other purchases.
4. Receive 6,000 Southwest Miles every year on your Cardmember anniversary.
5. [New] First checked bag free.

   Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost.

6. [New] Preferred Seat Selection within 48 hours prior to departure, when available.If you don’t have a co-branded credit card or elite status, the lowest fare on Southwest only lets you select your seat at check-in.
7. [New] Cardmembers and up to 8 passengers in the same reservation will board with Group 5.
8. [New]  Receive a 15% promo code each year on your cardmember anniversary (Excludes Basic fare).
9. If you earn 125k Southwest miles in a year, you get the Southwest companion pass certificate which is valid until the end of next calendar year!
10. [New] 10,000 companion Pass qualifying points boost each year.
11. [New] Earn 2,000 TQPs (tier qualifying points, useful towards A-List status, but not useful towards companion pass) for every $5,000 spent.
12. No foreign transaction fee.

Disadvantages

1. [New] Annual fee $149, not waived first year.
2. Southwest doesn’t have airlines partners, so the miles can only be redeemed for Southwest Airlines itself.Southwest can only fly to the US and some central America and Caribbean countries, no further international routes.

Recommended Application Time

1. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is.The number of new accounts includes all credit card accounts, not only Chase accounts.

   See this post for details about how to possibly bypass this rule.

2. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.Note that what matters here is the time you got the sign-up bonus, not the time you open the account or close the account.
3. Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
4. We recommend you to apply for this card after you have a credit history for more than a year.

Summary

The welcome bonus is solid.Under the current terms, the two Southwest business cards do not affect each other’s welcome bonus eligibility, meaning you can apply for both.(In contrast, you can only hold one of the three personal Southwest cards at a time.) When welcome bonuses are at their peak, applying for one personal and one business card together can earn you over 125k Southwest points—enough to unlock the Companion Pass right away.

(Note: You can no longer apply for two personal cards in the same year.) Since the Companion Pass is valid for the rest of the calendar year you earn it plus the entire following year, applying early in the year gives you the maximum value.If you’re interested in Southwest, the beginning of the year is the best time to apply.

After the 2025 refresh and annual fee increases across the Southwest lineup, there’s really not much long-term value in keeping these cards.They’re mostly just good for the welcome bonus.

Related Credit Cards

The current terms basically force you to choose only one personal Southwest credit card among the three.

But you can have both personal and business cards.

Recommended Downgrade Options

After Applying

Historical Offers Chart

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