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Author - Sam
Updated: February 11, 2025 | Credit Card Review The card_name is a cheaper option of the Southwest credit cards. You earn 2 points on every dollar spent on Southwest flights and 1 point on every dollar spent elsewhere. You will receive 3,000 points after your cardmember anniversary each year and a great companion pass after earning 125,000 points in a calendar year. Receive your first and second checked bag free, with a $0 charge for changing or canceling a reward booking. With the Southwest companion pass you can fly an unlimited amount of flights with your designated companion flying along for free!
The card_name is perfect if you want to fly Southwest a lot but you don’t want to pay a high annual fee on a card. The annual fee is just $69 per year and for that, you get many Southwest benefits. You will earn a free companion pass once you earn 125,000 Southwest points within a calendar year. The welcome bonus points are included, so this is not that difficult to achieve. Once you earn the pass it is valid for an unlimited amount of flights for the remainder of the calendar year plus for the full upcoming year. All you need to pay are the companion’s taxes and fees. That is a really fun bonus! You will also feel really good with 2 free EarlyBird check-in passes, and a 25% statement credit for inflight purchases.
- Credit: Good credit needed
- Chase 5/24 rule: There are data points that this card is currently bypassing the 5/24 rule
- Max cards: You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
- Apply for two cards: If you apply for one Chase card and get approved, it is recommended to apply for a second card since Chase is very good about approving for two cards, even within the same day. If the first application is still pending, wait for it to be approved before you apply for a second card
- Double dipping: If you had received an opening bonus on any personal Southwest rapid rewards credit card in the past 24 months, or you currently have a personal Southwest rapid rewards credit card, then you are not eligible to receive a new bonus
- Credit bureau: Chase Bank will usually pull your Experian credit report
- Combining same-day credit inquiries: Some data points suggest that credit inquiries for all Personal Chase cards for same-day applications will be combined; also, credit inquiries for all Business Chase cards for same-day applications will be combined. Credit inquiries for Personal and Business card applications will not be combined.
- Check application status: You can check your application status at Chase.com / Customer Center / Check my application status or call 1 888 338 2586
- Reconsideration: If declined you can call 1 888 609 7805 to be reconsidered
Quickest way to get my card: You will be able to add your new card to your mobile wallet immediately after you get approved (it can sometimes take up to an hour for it to show up in your online login).
Approval Monitor (submitted by HelpMeBuildCredit users)
Credit limit range $2,000-$3,500
Avg. Credit limit$2,750
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application
Earn 3,000 points after your cardmember anniversary each year
Secondary coverage on rentals when renting within your country of residence (coverage is primary when renting outside your country of residence). Coverage is for rentals up to 31 days.
Earn a free companion pass after earning 125,000 Southwest in a calendar year (welcome bonus points are included). Once earned the pass is valid for an unlimited amount of flights for the remainder of the calendar year plus for the full upcoming year. You will need to pay the companion’s taxes and fees.
Plus, earn a 10,000 point boost towards a companion pass each calendar year.
Get your original manufacturer’s warranty time matched (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per account.
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First and second checked bags are free on Southwest flights (this benefit is available to all Southwest customers no matter if you have their credit card or not).
Receive 25% back (statement credit) for inflight purchases of WIFI, and drinks.
Get up to $3,000 per person for lost or damaged luggage.
If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
Get 2 free EarlyBird check-in passes
Get refunded if your purchase is damaged or stolen, up to 120 days from the date of purchase. Max $500 per claim, $50,000 per account.
Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $500,000 in compensation.
The points can be used at approximately 1 penny per point to book award flights with Southwest airlines.
You can book award flights using your Southwest miles with Southwest airlines and its partners here.
You can use the points to Pay Yourself Back at 1.0 cent per point to pay the annual fee.
