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What Credit Score Do You Need For Southwest Credit Card

Refer A Friend To A Southwest Credit Card

How To Get $10k Chase Southwest Business Credit Card Using Amazon Credit 2021?

Southwest credit cards are included under Chases refer-a-friend program, so get those referral links ready, because you can score a ton of Rapid Rewards points 10,000 points per referral, up to 50,000 points total in a calendar year by referring friends and family to a Southwest card.

The refer-a-friend bonus applies to all cards within the Southwest suite, including the business cards. Even better news: Southwest updated its refer-a-friend program in 2019, which means that current Southwest cardholders can earn bonuses on any Southwest card their referral applies for.

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Pros & Cons Explained

Before you apply for a Chase Southwest Rapid Rewards Plus, take a good look at whether the pros outweigh the cons to determine if this is the best card that allows you to earn the most points for the greatest benefits.

Pros

  • Description
  • Lowest Annual Fee for basic reward benefitsWhile we rate Chase Southwest Rapid Rewards Plus as having an average annual fee, it charges the lowest fee with the same basic benefits as other co-branded Chase and Southwest credit cards.
  • Earn unlimited points with no expirationEach dollar spent has an equivalent point. Points have equivalent value convertible to discounts on flights to more than 90 destinations, hotel stays or car rentals. You can even get gift cards and merchandise. Get maximum points as long as you purchase these products and services through the Rapid Rewards shopping portal.
  • Additional travel perksAside from the two free checked bags, youll be able to get reimbursed up to $3,000 in case there is any luggage lost or damaged by the carrier. In case of flight delays, the Baggage Delay Insurance perk insures $100 per day, up to 3 days.

Cons

When youre on the lookout for your first or a new credit card, know that there are different types of credit cards that work for specific needs. While the Chase Southwest Rapid Rewards Plus has great travel benefits, you might want to check out our list of the best travel credit cards to see the top options.

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Transfer Points From Diners Club Or Hotel Loyalty Programs

Diners Club members can also transfer Club Rewards points to Southwest 1,500 Club Rewards points, for instance, would convert to 1,200 Southwest points. It’s also possible to redeem points earned through participating hotel loyalty programs if you’d rather put them toward flights than hotel stays, though redemption rates are pretty low:

  • 5,000 Best Western Rewards points = 1,200 Southwest points
  • 5,000 World of Hyatt points = 2,400 Southwest points
  • 50,000 World of Hyatt points = 24,000 Southwest points

Note that World of Hyatt throws in an additional 6,000 Southwest points as long as you’re a member, while Marriott Bonvoy adds 5,000 Southwest points for every 60,000 Marriott points transferred to an airline.

Getting The Most From Your Southwest Visa

Credit Score Requirements For Credit Card Approval

To get essentially the most out of your Southwest Visa Card, youll want to use it everytime you ebook journey by means of Southwest or their taking part lodge and rental automobile companions.

Additionally, use your factors to ebook flights once theyre on sale. Since redeeming your factors is predicated on the precise fare worth, you may actually stretch these factors additional. Try our Newbies Information to Credit score Card Rewards for extra ideas.

Paring your card with a premium rewards card could make an important match too!

With the Chase Sapphire Most well-liked Card youll earn a 60,000 level signup bonus, however youll need to spend $4,000 in 3 months to do it. Your Chase rewards switch at a 1:1 ratio to the Fast Rewards loyalty program.

When you resolve to not switch them to Southwest, you may switch them to different loyalty packages by means of journey companions like Marriott, Hyatt, IHG, and United Airways. Theyre additionally redeemable for present playing cards at locations like Kohls, Residence Depot, Lowes, and extra or, you may redeem them for $750 in journey when booked by means of the Chase portal. Theres a $95 annual charge.

That is nearly at all times the primary rewards card we advocate. The factors are versatile, precious, and our favourite kind to earn.

Learn to apply | Learn the evaluation

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The Best Card For Southwest Flyers

Southwest Rapid Rewards® Priority Credit Card

Why should you get it?

The Southwest Rapid Rewards Priority card is by far the best value for a frequent Southwest flyer, thanks to its $75 travel credit and 7,500-point annual bonus.

  • 40,000 bonus points after spending $1,000 on purchases in the first 3 months
  • 7,500 bonus points each year after your card anniversary
  • $75 Southwest® travel credit every year
  • Four upgraded boardings per year when available
  • 20% discount on eligible in-flight purchases made with your card

The Best Southwest Credit Cards Of 2022

Southwest is smaller than the “big three” US airlines , but it remains a great choice for many travelers thanks to customer-friendly policies like two free checked bags per customer and no change fees. Plus, Southwest points never expire, so even if you’re not traveling right now, you don’t have to worry about losing your hard-earned rewards.

If you fly Southwest, a co-branded credit card can be a great way to earn extra Rapid Rewards points to use for free flights, and the points you earn from these cards can also help you earn the Southwest Companion Pass. When you have a Companion Pass, your designated companion can fly with you for almost free on paid and award tickets.

All three personal cards are offering a welcome bonus of 40,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Read more: The best airline credit cards in 2022

Chase issues three personal and two small-business Southwest Rapid Rewards credit cards. Here’s what to know to help you decide which Southwest credit card is best for you.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

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If You Want To Apply For A Personal Card:

You are eligible to do so as long as you abide by the following rules:

  • The Chase 5/24 rule: Youll almost certainly be rejected for a Southwest credit card if youve opened five or more credit cards within the past 24 months excluding most business cards.
  • Card family restrictions: If youve already got a Southwest personal card, you cant open another until youve canceled your current card.
  • Sign-up bonus rules: You cant open the card if youve earned a sign-up bonus from a Southwest personal card within the past 24 months

The important note here is that having a Southwest business credit card doesnt impact your eligibility for personal cards in any way.

Transfer Southwest Points To A Friend Or Donate Them To Charity

Tips on increasing your credit score

If you have more than 2,000 Southwest points in your account, you can transfer them to other Rapid Rewards members, though they must be transferred in increments of 1,000 points and there’s a 60,000-point daily limit. Note that there’s a transfer fee of $5 for every 500 points transferred, so this is not a good deal.

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Use Southwest Points For Flights In The Us And Abroad

Whether you’re planning a romantic getaway, family vacation, dream honeymoon, or an epic solo trip, Southwest points can be used to book flights around the US as well as 10 other countries throughout the Caribbean and Central America. Here’s a look at some sample redemption options for non-stop, roundtrip Wanna Get Away fares in March 2022:

  • New York to Los Angeles , from 11,332 points
  • San Francisco to Honolulu, Hawaii , from 15,598 points
  • Baltimore to Aruba , from 24,734 points
  • Chicago to Los Cabos, Mexico , from 19,422 points
  • Denver to Liberia, Costa Rica , from 24,734 points
  • Fort Lauderdale to Nassau, Bahamas , from 5,644 points

Note that Southwest does not have any airline partnerships and does not belong to any airline alliance, though the carrier does offer excellent perks like points that never expire, no blackout dates, two free checked bags, and unlimited award availability, making it a valuable choice for your next flight.

Compare The Anniversary Bonus To The Annual Fee

All Southwest co-branded credit cards offer an anniversary bonus benefit. In each case, this anniversary bonus can offset a substantial amount of the cards annual fee.

Both the Southwest Rapid Rewards® Premier Credit Card and the Southwest® Rapid Rewards® Premier Business Credit Card offer a 6,000-point bonus each cardholder anniversary. With Southwest points valued at around 1.5 cents per point, thats a perk worth $90 each year that offsets almost all of the $99 annual fee on these cards.

The three other Southwest cards also offer anniversary bonuses that offset a substantial portion of the cards annual fee:

Card

This earning method is capped at $100,000 in annual purchases. You can earn a total of 15,000 TQP through credit card spending but that doesnt even get you halfway to A-List status. So, you should only consider this way of earning Tier Qualifying Points if you plan to earn plenty of TQP through flying Southwest.

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Insider Advice: Getting The Most Out Of Your Card

  • Compare with other travel credit cards: This card offers benefits that make sense for Southwest travelers. If you prefer to use different airlines or only fly Southwest occasionally, another travel card might make more sense for you.
  • Book travel through Southwest: Book your flights through Southwest to earn 3X points per dollar spent, along with the regular points youd earn from your fare class.
  • Take advantage of the introductory bonus: Earn 40,000 bonus points after spending $1,000 on purchases in the first 3 months your account is open..
  • Enjoy your anniversary bonus: Youll receive 7,500 bonus points every year on your cardmember anniversary.
  • Redeem your rewards: The best redemption values come from redeeming your rewards for flights, so save your points for air travel.
  • Take advantage of your flight credits: Each year, youll get a $75 airline credit to use for future Southwest flights.
  • Indulge in-flight: Treat yourself to drinks, snacks, or WiFi on Southwest flights and get 20% back.
  • Dont pay extra when traveling: The Rapid Rewards Priority Card has no foreign transaction fees, a great perk when traveling internationally.
  • Offset the annual fee: You can completely offset the $149 annual fee by using the yearly $75 credit and 7,500 bonus points. Those can give you a total value of at least $150 perhaps quite a bit more.

Hotel Rewards Credit Cards

What Credit Score Do I Need for a Southwest Airlines ...

The last section is for hotel travel rewards credit cards. These offerings often have an average credit score in the 700s, but, it is still possible to get approved with a score in the 600s.

Required Credit Score: Good or Excellent Average Credit Score: 721Typical Low Score: 638

The Marriott Rewards Premier from Chase is an awesome card as points can be redeemed at any Marriott, Starwood, or Ritz-Carlton property. And, you also earn 5 points per $1 for your Marriott, Starwood, or Ritz-Carlton stays. As an added bonus, you can also earn 2 points per $1 on direct airline purchases, rental car agencies, and restaurants. And, every year you get a free anniversary night stay at any Marriott category 1-5 hotel.

You can use your Marriott points for hotel stays in Hawaii.

Starwood Preferred Guest Credit Card from American Express

Required Credit Score: Good or Excellent Average Credit Score: 743Typical Low Score: 657

Often considered one of the best hotel rewards cards, the Amex SPG is a definite fan favorite. If you stay at Starwood properties often, you need this card to quickly rack up the reward nights that start at only 4,000 points. You will earn 2 Starpoints per $1 at Starwood and Marriott properties. And, as a sign-up bonus, you can earn 25,000 bonus points that can get you five rewards nights or be redeemed for airline flights from 150 airline partners.

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Do You Get Southwest Points After Flight

You can request past flight points for up to 12 months after your flight. To claim points for a past flight, simply log into your account, select My Account and choose the Manage tab within My Rapid Rewards. After verification of your flight information , points will be deposited into your account.

How To Use Uplift Online

There’s only one way to use Uplift:

  • Visit a travel partner, which you can find listed on Uplift’s directory.
  • Choose which purchases you want to make and add them to your cart.
  • When checking out, select “Uplift” from the payment options.
  • Enter in your information, such as your name and the last four digits of your Social Security number.
  • If you’re approved, Uplift will show you a range of payment plans to choose from.
  • Pick which plan you like, and then complete your purchase.
  • Unlike some BNPL lenders, Uplift does not offer an app or a way to make purchases at non-partner stores with a digital card number.

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    What Credit Score Do You Need For Visa

    You will need a credit score of 700 or higher to get the best Visa credit cards. A good credit score is recommended, though there is no minimum credit score requirement for Visa cards overall. You can get a Visa credit card with a bad credit score or no credit score at all.

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    If you travel frequently, the right credit card can help you earn nearly-free flights and other perks that might make your adventures less expensive. If you’re a frequent flyer with Southwest, it might be worth getting the Southwest Rapid Rewards Priority Credit Card, which offers high-value perks for loyal Southwest fans.

    In this review, we will take a look at what you can expect from the card so you can make a decision about whether its the best airline credit card for you.

    Welcome Bonus: Companion Pass + Points

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    Fly With Southwest To Earn More Points And Elite Status

    The more you fly with Southwest, the more points you’ll earn, especially since each of the carrier’s three ticket categories lets you earn different amounts of points. You’ll reach A-List status by flying 25 one-way qualifying flights or earning 35,000 Tier Qualifying Points in a calendar year, providing access to priority boarding, check-in, and security lanes, same-day standby seats, and 25% earning bonuses.

    A-List Preferred status can be reached by flying 50 one-way qualifying flights or earning 70,000 TQPs in a calendar year, giving you access to the same benefits as A-List status, plus complimentary inflight Wi-Fi and 100% earning bonuses.

    Speaking of earning bonuses, those without any status can earn 12x points by booking Business Select fares, 10x points for Anytime fares, and 6x points for Wanna Get Away fares. For instance, a $220 Business Select fare would yield 2,640 Southwest points, while a $200 Anytime ticket would yield 2,000 Southwest points, and a $100 Wanna Get Away ticket would yield 600 Southwest points.

    Read more: My family hoarded credit card points during the pandemic, and earned enough to take a big trip when we were ready to travel again

    How To Get Companion Pass With The New Welcome Offer

    To score the new welcome offer, youll need to spend at least $5,000 within the first three months of opening a new Southwest co-branded card. Thats equal to about $1,667 per month. Then, youll earn both the 30,000-point bonus and the Companion Pass.

    The 30,000-point bonus youll earn is in Southwest Rapid Rewards points, which are redeemable toward flights and more through Southwest. Though Southwest co-branded cards are issued by Chase, the points you earn are not Chase Ultimate Rewards points.

    Typically, when you earn the Companion Pass within one year, youll have access through the rest of that year and over the next year. If you earned the Companion Pass in August 2021, for example, you could access it through the end of December 2022.

    This bonus offer is a bit different your Companion Pass benefit is only applicable through Feb. 28, 2023.

    But the benefit can add a lot of value to your spending during that time. Even if you choose one of the Southwest cards with an annual fee the $99 Southwest Priority Card or the $149 Southwest Premier Card you could get back that cost with just a single round-trip flight, depending on the details of your itinerary.

    Still, before you apply, consider your budget and travel. Not only will you need to spend enough money within the first three months to score the bonus, but youll also want to make sure you have upcoming travel plans that allow you to take advantage of the pass before next February.

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