Southwest Rapid Rewards® Credit Card (2024)

Begin Offer Details content.

** Offer Details for Southwest Rapid Rewards® Premier Business Card

Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisem*nt. Review offer details before you apply.

60,000 Bonus Points After You Spend $3,000 On Purchases In The First 3 Months From Account Opening: This new Cardmember bonus offer is not available to either (i) current Cardmembers of this business credit card, or (ii) previous Cardmembers of this business credit card who received a new Cardmember bonus for this business credit card within the last 24 months. To qualify for your bonus points, you must make Purchases totaling $3,000 or more during the first 3 months from account opening. Please allow up to 8 weeks for bonus points to post to your Rapid Rewards® account. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Earning Points: Rewards Program Agreement: For more information about the Rapid Rewards® Premier Business card rewards program, view the latest Rewards Program Agreement (PDF) Opens in a new window . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com Opens in a new window .
How you can earn points: You'll earn points on purchases of products and services, minus returns or refunds, made with a Rapid Rewards® Credit Card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count as a purchase and won't earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 3 points: You'll earn 3 points for each $1 spent on purchases made directly with Southwest Airlines®, including flight, inflight, Southwest® gift card, and Southwest Vacations® package purchases. 2 points: You'll earn 2 points for each $1 spent on purchases at participating Rapid Rewards® hotel and rental car partners. 2 points: You'll earn 2 points for each $1 spent on purchases in the local transit and commuting rewards category. 1 point: You'll earn 1 point for each $1 spent on all other purchases. 1 point on balance transfers: You'll earn 1 point for each $1 of the first $15,000 of balance transfers made during the first 90 days from your original account open date. 6,000 bonus points each account anniversary year: You'll receive 6,000 bonus points each account anniversary year. “Account anniversary year” means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that. 1,500 tier qualifying points: You'll earn 1,500 tier qualifying points (TQPs) for each $5,000 spent in purchases annually. TQPs can be used to count toward qualification for Rapid Rewards A-List or A-List Preferred status. “Annually” means the year beginning with your account open date through the first December statement date of that same year, and each 12 billing cycles starting after your December statement date through the following December statement date. Information about earning/transferring points to Southwest Airlines®: Points earned during a billing cycle will be automatically transferred to Southwest Airlines after the end of each billing cycle. Losing points: You'll immediately lose all points that haven't been transferred to Southwest Airlines if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs.Opens in a new window

Southwest® EarlyBird Check-In®: Each anniversary year you will be reimbursed for the purchase of up to 2 EarlyBird Check-In services made with your Southwest Rapid Rewards® Premier Business Credit Card. Each EarlyBird Check-In service means a purchase made for EarlyBird Check-In one-way, per Passenger. Anniversary year means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. If you switch to this product from another Chase credit card, your account open date is the date the switch to the Southwest Rapid Rewards® Premier Business Credit Card is completed. EarlyBird Check-In provides automatic check-in before the traditional 24-hour check-in and can be purchased as part of the original flight purchase or added to a flight after purchase. Price of EarlyBird Check-In may vary. Statement credit(s) will post to your account the same day your purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Account must be open and not in default at the time the statement credit is posted to your account. Statement credits will be issued for the anniversary year in which the transaction posts to your account. For example, if you purchase EarlyBird Check-In and Southwest does not post the transaction until after your current anniversary year ends, the cost of the EarlyBird Check-In services will be allocated towards the following year's maximum of 2 services. More information can be found at Southwest.com/early-bird.

Southwest® $500 Fee Credit for Points Transfers: A statement credit will automatically be applied to your account as reimbursem*nt for fees associated with using your Southwest Rapid Rewards® Premier Business Credit Card to transfer points to another Rapid Rewards Member or a pre-selected charity chosen by Southwest with an active Rapid Rewards account, up to an anniversary year maximum accumulation of $500 in reimbursed transfer fees. Anniversary year means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that date each year. If you switch to this product from another Chase credit card your account open date is the date the switch to the Southwest Rapid Rewards® Premier Business Credit Card is completed. Statement credit(s) will post to your account the same day your point transfer fee purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Account must be open and not in default at the time the statement credit is posted to your account. Statement credits will be issued for the anniversary year in which the transaction posts to your account. For example, if you transfer points and Southwest does not post the fee transaction until after your current anniversary year ends, the cost of the fee will be allocated towards the following year's maximum of $500 in reimbursed transfer fees. Points can be transferred with a minimum transfer of 2,000 points and a daily maximum of 60,000 points.

25% back on inflight purchases on Southwest Airlines® flights: You will receive 25% back on Southwest Airlines inflight purchases made with your Southwest Rapid Rewards® Premier Business Credit Card for drinks and WiFi in the form of a credit card account statement credit. Statement credit(s) will post to your credit card account the same day as your purchase(s) and will appear on your monthly credit card billing statement within 1-2 billing cycles. You will also receive 25% back on inflight purchases made by employees on your account. To qualify for the 25% back, purchase must be made with your Southwest Rapid Rewards Premier Business Credit Card and your account must be open and not in default at the time of fulfillment.

Adding An Employee Card: If any employees are allowed to use the account, they will be authorized users and will have equal charging privileges unless individual spending limits are established for them. You, as the Authorizing Officer, together with the business are responsible for any use of the account by you, an authorized user or anyone else permitted to use the account. You, together with the business, are responsible for repaying all balances on the account. All correspondence, including statements and notifications, will be sent to you as the Authorizing Officer. By requesting to add an employee cardholder to the account, you represent all information provided is accurate and is for persons with which the business has a relationship. You also represent that the business has permission to provide the employee information to Chase and to add the employee as a cardholder. If Chase determines any information provided is fraudulent, Chase has the right to close the account.

Unlimited Reward Seats and No Blackout dates: No blackout dates and unlimited reward seats apply to flights booked with points.

Bags Fly Free: First and second checked bags. Weight and size limits apply.

No Change Fee: Fare difference may apply.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

SOUTHWEST RAPID REWARDS® PROGRAM INFORMATION

The Southwest Rapid Rewards Credit Card is brought to you by Southwest Airlines® and Chase. Southwest Airlines is responsible for the redemption of Rapid Rewards points toward benefits and services. The number of points needed for a particular Southwest flight is set by Southwest® and will vary depending on destination, time, day of travel, demand, fare type, point redemption rate, and other factors, and are subject to change at any time until the booking is confirmed. Rapid Rewards points can only be transferred to the primary Cardmember’s Rapid Rewards account. All Rapid Rewards rules and regulations apply and can be found at Southwest.com/rrterms. Southwest reserves the right to amend, suspend, or change the program and/or program rules at any time without notice. Rapid Rewards Members do not acquire property rights in accrued points.

Southwest Rapid Rewards® Credit Cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

© JPMorgan Chase & Co. All rights reserved.

Southwest Rapid Rewards® Credit Card (2024)

FAQs

What credit score do you need to be approved for a Southwest credit card? ›

All their cards require you to have anywhere from a good to excellent FICO® Score (670 upwards). In addition to this, they also look at your employment and payment history, as well as your debt-to-income ratio. So, while having a good credit score does not guarantee approval, it definitely increases your chances.

What are the chances of getting a Southwest credit card? ›

It is hard to get a Southwest credit card because you must have at least good credit to qualify. If you don't have a credit score of 700+ credit score and a lot of income compared to your debts, it will be difficult for you to get approved for a Southwest credit card.

How much income do you need for a Southwest credit card? ›

You need enough income to afford monthly bill payments on the Southwest Rapid Rewards® Plus Credit Card. While the terms and conditions of the Southwest Rapid Rewards® Plus Credit Card do not disclose a specific minimum income requirement, the higher your income is, the more likely you are to be approved.

How long does it take to get approved for a Southwest credit card? ›

You can either wait about seven to 10 days for approval or check the status of your application by calling Chase at 1-800-935-9935. Sometimes the bank needs to verify information on your application. » Learn more: Is a Southwest credit card worth it?

What is the minimum credit limit for Southwest credit card? ›

The Southwest Rapid Rewards® Premier Credit Card may give high credit limits to people with good-to-excellent credit, a lot of income, and relatively little debt. The minimum credit limit is $2,000, and some cardholders report having limits as high as $30,000.

Does a Southwest credit card do a hard pull? ›

Yes, the Southwest Rapid Rewards® Priority Credit Card does a hard inquiry on your credit report when you apply. A hard inquiry usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time.

Is it hard to get the Southwest credit card? ›

It is hard to get a Southwest credit card because you must have at least good credit to qualify. If you don't have a credit score of 700+ credit score and a lot of income compared to your debts, it will be difficult for you to get approved for a Southwest credit card.

What is the 5 24 rule for Chase? ›

Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.

What bank is behind Southwest credit card? ›

The Southwest Rapid Rewards Credit Card is brought to you by Southwest Airlines® and Chase.

Can I get pre-approved for a Southwest credit card? ›

The only way you can get pre-approved for a Southwest credit card is through an offer in the mail. You cannot check for pre-approval for these cards online. So, anyone interested in applying for a Southwest credit card will have to do so without the benefit of checking for pre-approval beforehand.

What is the 24 month rule for Chase Southwest? ›

If you want to apply for a personal card

Sign-up bonus rules: You can't open the card if you've earned a sign-up bonus from a Southwest personal card within the past 24 months.

Can I get a Southwest credit card with a 650 credit score? ›

The best rating — excellent credit — typically starts with a 740 credit score. It's possible to get approved with a score in the mid-600s, but your application may require manual approval. This guidance applies to personal and small business Southwest credit cards.

Can I use Southwest card immediately after approval? ›

When enrolling, it asked for my Rapid Rewards # in one of the application fields. Immediately after approval, the card was automatically linked to my Southwest.com account to be used as a payment method so I was able to use it to book a flight the same day.

What credit score is needed for a Southwest Airlines credit card? ›

The Southwest Rapid Rewards® Plus Credit Card credit score requirement is 700 or better.

How to check if approved for a Southwest credit card? ›

You can check your Chase credit card application status online or by phone: (888) 338-2586. If you check your application online, you will need to sign into your Chase.com account (or create one if you didn't apply online). If you call, you'll have to enter your full Social Security number.

What bank does the Southwest credit card use? ›

The Southwest Rapid Rewards Credit Card is brought to you by Southwest Airlines® and Chase.

What credit company does Southwest use? ›

Southwest Rapid Rewards® Priority Credit Card - Experian.

What credit bureau does Chase Southwest use? ›

Based on anecdotal information, Chase generally uses credit data from Experian. However, Chase may opt to review your Equifax or TransUnion credit reports instead depending on which state you live in.

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