Southwest Airways Credit score Card Eligibility Defined

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Chase and Southwest have 5 co-branded bank cards, and it may be robust to maintain monitor of the eligibility necessities of those playing cards. All of those playing cards are nice if you happen to’re trying to earn Companion Cross. On this publish, I needed to cowl the fundamentals of what you have to know if you happen to’re trying to get accepted for one (or extra) of those playing cards.

Southwest Airways bank card fundamentals

For context, listed below are the annual charges and present welcome bonuses on all 5 Southwest Airways bank cards issued by Chase:

The $69 annual charge Southwest Fast Rewards® Plus Credit score Card (evaluate) has a welcome bonus of 75,000 Fast Rewards factors after spending $3,000 inside three months
The $99 annual charge Southwest Fast Rewards® Premier Credit score Card (evaluate) has a welcome bonus of 75,000 Fast Rewards factors after spending $3,000 inside three months
The $149 annual charge Southwest Fast Rewards® Precedence Card (evaluate) has a welcome bonus of 75,000 Fast Rewards factors after spending $3,000 inside three months
The $99 annual charge Southwest® Fast Rewards® Premier Enterprise Credit score Card (evaluate) has a welcome bonus of 60,000 Fast Rewards factors after spending $3,000 inside three months
The Southwest® Fast Rewards® Efficiency Enterprise Credit score Card (evaluate) has a welcome bonus of 80,000 Fast Rewards factors after spending $5,000 inside three months

Eligibility for welcome bonuses differs between the private and enterprise variations of the playing cards, so I needed to take a look at that in a bit extra element.

Earn numerous bonus factors with Southwest bank cards

Southwest Airways private bank card eligibility

Southwest Airways’ private bank cards have extra restrictive eligibility necessities than enterprise playing cards. You’re not eligible for the welcome bonus on the Southwest Plus Card, Southwest Premier Card, or Southwest Precedence Card, if:

You at the moment have any Southwest private bank card
You’ve acquired a brand new cardmember bonus on any Southwest private bank card up to now 24 months (enterprise playing cards don’t rely towards this restrict)

In different phrases, you’ll be able to solely decide up a Southwest private card if you happen to don’t at the moment have any Southwest private card. You may get a Southwest private card if you happen to’ve had one other Southwest private card up to now, so long as you don’t at the moment have one, and haven’t acquired a brand new card member bonus on such a card up to now 24 months.

Within the occasion that you simply’ve canceled a Southwest private card on which you bought a bonus greater than 24 months in the past, I’d advocate ready at the least a month till making use of for one more Southwest private card, to be on the protected aspect. That’s as a result of the system can take some time to replicate you now not being a card member.

Southwest Airways enterprise bank card eligibility

Southwest Airways’ enterprise bank cards have much less restrictive eligibility necessities than private playing cards. Within the case of each the Southwest Premier Enterprise Card and Southwest Efficiency Enterprise Card, you’re not eligible for a bonus if:

You at the moment have that actual Southwest Airways enterprise bank card
You’ve acquired a brand new cardmember bonus on that actual Southwest Airways enterprise bank card up to now 24 months

In different phrases, you’re eligible for the bonus on the Southwest Premier Enterprise Card even when you have the Southwest Efficiency Enterprise Card, and vice versa. You could possibly decide up each of those playing cards, and even obtain the bonuses.

Southwest enterprise playing cards have much less restrictive guidelines

Basic Chase bank card utility restrictions

Along with the Southwest Airways particular restrictions, pay attention to Chase’s basic utility restrictions:

Chase has the 5/24 rule, whereby you sometimes gained’t be accepted for a card if you happen to’ve opened 5 or extra new card accounts up to now 24 months; nevertheless, there are more and more studies that that is now not being enforced, at the least for some candidates
Chase doesn’t usually have a strict restrict on what number of whole playing cards you’ll be able to have at any given level, however fairly the limiting issue is usually concerning the general credit score you’ll be issued
You may sometimes be accepted for at most two Chase bank cards each 30 days, and I usually wouldn’t advocate making use of for multiple Chase enterprise bank card each 30 days

These are simply basic pointers, although do word that there’s all the time some inconsistency primarily based on what different playing cards you’ve utilized for, your general relationship with Chase, and so on.

What credit score rating do you want for a Southwest Airways bank card?

There’s not a constant rule as to what credit score rating you have to be accepted for a Chase Southwest Airways bank card. Generally, I’d advocate having a credit score rating within the “good” to “glorious” vary if you happen to’re going to use for any of those playing cards.

Personally, I in all probability wouldn’t apply if my credit score rating had been underneath 700, and ideally, I’d hope to have a credit score rating of 740 or larger. That being mentioned, individuals with scores decrease than which were accepted for these playing cards, and conversely, individuals with scores larger than which were rejected. There are many elements that go into approval — your earnings, your credit score historical past, how a lot credit score Chase has already prolonged you, and so on.

Backside line

Chase’s Southwest Airways bank cards will be extraordinarily profitable — since there are 5 playing cards to select from, there can typically be confusion in regards to the eligibility necessities.

A very powerful factor to grasp is that eligibility for private playing cards is mutually unique, that means you’ll be able to’t get the bonus on a Southwest private card if you happen to at the moment have any Southwest private card, or have acquired a brand new cardmember bonus on such a card up to now 24 months. In the meantime, for Southwest enterprise playing cards, you might be eligible for the bonuses on each playing cards, that means you would decide up one enterprise card even when you have already got the opposite card.

Personally, I believe the Southwest Precedence Card is probably the most profitable private card, whereas I believe the Southwest Efficiency Enterprise Card is probably the most profitable enterprise card.

In case you’ve utilized for a Southwest Airways bank card, what was your expertise with getting accepted?