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The Southwest Airlines® credit cards are some of my very favorites! I have gotten so much value out of the points I have earned on them. My favorite was probably taking my whole family to Maui. What makes these cards even better is that by opening a personal and business card, you can earn the Southwest Companion Pass, which allows you to fly someone with you for free! Make sure to check out this post about the Southwest Companion Pass if you want to learn more about it.

I love Southwest Airlines® for families, especially families with young children like mine. Not only have I flown my family to Hawaii, but we have also made multiple trips to California, and we also have an upcoming trip to Phoenix.

 

Things To Know About the Southwest Airlines® Credit Cards

1. Southwest cards are issued by Chase, so they will be subject to the Chase 5/24 rule. Remember, Chase business cards won’t count towards your 5/24, but if you are at or over 5/24, you won’t be approved for one.
2. You can only hold one personal Southwest card at a time.
3. You can earn the welcome offer on a Southwest personal card again as long as it has been at least 24 months since you last earned the welcome offer on any Southwest personal card.
4.  It is important to wait at least 30 days after canceling before applying for another Southwest personal card.
5. You can hold both business cards at the same time.
6. You can earn the welcome offer on a business card again as long as it has been at least 24 months since you last earned the welcome offer on that specific business card and you no longer have it.

 

Southwest® Rapid Rewards Credit Cards

Southwest® recently revamped all five (yes, five!) of the Rapid Rewards credit cards. You can read about each card below. If you decide to apply for one, we would be so grateful if you use our affiliate links by clicking on the name of the card you’d like to apply for.

 

 

Southwest® Personal Credit Cards

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Learn How to Apply

 

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• • $99 annual fee
  • 3,000 points on your cardmember anniversary each year
  • First checked bag free for cardmember + up to 8 additional passengers on the same reservation
  • 10% flight promo code each year on your cardmember anniversary (excludes Basic fare)
  • 2 points per $1 spent at gas stations and grocery stores on the first $5,000 in combined purchases per year
  • 2 points per $1 spent on Southwest purchases
  • 1 point per $1 spent on all other purchases
  • Boost of 10,000 Companion Pass® qualifying points every year
  • 25% back on inflight purchases
  • No foreign transaction fees
  • Benefits ending December 31, 2025:
    • 2 EarlyBird Check-In^® each year for 2025 flights
    • 2 points per $1 spent on Rapid Rewards hotel and car rental partners
    • 2 points per $1 spent on local transit and commuting, including rideshare
    • 2 points per $1 spent on internet, cable, phone services, and on select streaming
  • Changes effective for flights on January 27, 2026 and beyond:
    • Complimentary Standard seat selection within 48 hours prior to departure, when available
    • Group 5 boarding for cardmember + up to 8 additional passengers on the same reservation

 

Southwest Rapid Rewards® Premier Credit Card

All information about the Southwest Rapid Rewards® Premier Credit Card has been collected independently by Travel Mom Squad. The Southwest Rapid Rewards® Premier Credit Card is no longer available through Travel Mom Squad.

Click here and you can use a referral link. Just be sure to navigate to the Southwest Rapid Rewards® Premier Credit Card from the main page.

 

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Learn How to Apply

 

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Southwest® Business Credit Cards

 

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Learn How to Apply

 

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• $149 annual fee
• 6,000 points on your cardmember anniversary each year
• First checked bag free for cardmember + up to 8 additional passengers on the same reservation
• 15% flight promo code each year on your cardmember anniversary (excludes Basic fare)
• 2 points per $1 spent at gas stations and restaurants on the first $8,000 in combined purchases per year
• 3 points per $1 spent on Southwest purchases
• 1 point per $1 spent on all other purchases
• Earn 2,000 tier qualifying points toward A-List status for every $5,000 spent in purchases annually
• Boost of 10,000 Companion Pass® qualifying points every year
• 25% back on inflight purchases
• No foreign transaction fees
• Benefits ending December 31, 2025:
  • 2 EarlyBird Check-In^® each year for 2025 flights
  • $500 fee credit for points transfers per year
  • 2 points per $1 spent on Rapid Rewards hotel and car rental partners
  • 2 points per $1 spent on local transit and commuting, including rideshare
• Changes effective for flights on January 27, 2026 and beyond:
  • Complimentary Preferred or Standard seat selection within 48 hours prior to departure, when available
  • Group 5 boarding for cardmember + up to 8 additional passengers on the same reservation

 

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Learn How to Apply

 

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• $299 annual fee
• 9,000 points on your cardmember anniversary each year
• First checked bag free for cardmember + up to 8 additional passengers on the same reservation
• Up to $120 Global Entry, TSA PreCheck®, or NEXUS fee credit
• 4 points per $1 spent on Southwest purchases
• 2 points per $1 spent at gas stations, restaurants, and hotels booked directly
• 2 points per $1 spent on local transit and commuting, including rideshare
• 1 point per $1 spent on all other purchases
• Earn 2,500 tier qualifying points toward A-List status for every $5,000 spent in purchases annually
• Boost of 10,000 Companion Pass® qualifying points every year
• 25% back on inflight purchases
• No foreign transaction fees
• Benefits ending December 31, 2025:
  • 4 Upgraded Boardings each year when available for 2025 flights
  • $500 fee credit for points transfers per year
  • Up to 365 inflight WiFi Credits per year
  • 3 points per $1 spent on Rapid Rewards hotel and car rental partners
  • 2 points per $1 spent on social media and search engine advertising, internet, cable, and phone services
• Changes effective for flights on January 27, 2026 and beyond:
  • Complimentary Preferred or Standard seat selection at booking, when available
  • Unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure, at no additional charge, when available
  • Group 5 boarding for cardmember + up to 8 additional passengers on the same reservation

 

Bottom Line

The Southwest Airlines® credit cards are a huge part of my credit card strategy. Thanks to the welcome offers on these cards, we have been able to score a lot of nearly free flights.